15%

ICICI Prudential , Elite wealth with reducing FMC post 6th ye

Policy
Year

Annualised
Premium

Premium
Allocation Charge

Amount
available for
investment
(out of
Premium)

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15

1000000
1000000
1000000
1000000
1000000
0
0
0
0
0
0
0
0
0
0

30000
30000
30000
30000
30000
0
0
0
0
0
0
0
0
0
0

969,600
969,600
969,600
969,600
969,600
0
0
0
0
0
0
0
0
0
0

Mortality Charge

Policy
Admin
Charge

25810
22191
18086
13428
8144
5267
1994
0
0
0
0
0
0
0
0

4800
4800
4800
4800
4800
0
0
0
0
0
0
0
0
0
0

ucing FMC post 6th year onwards, because of Loyalty Additions

Service Tax

Fund before
FMC

Fund
Managme
nt Charge

FMC

Fund at
End

9352
11015
12903
15043
17472
11385
12460
13899
15816
17997
16578
18903
21554
24576
28022

1115040
2380025
3815119
5443197
7290211
8270562
9411279
10709330
12186414
13867225
15779863
17992594
20515605
23392406
26672606

1.35%
1.35%
1.35%
1.35%
1.35%
1.05%
1.05%
1.05%
1.05%
1.05%
0.85%
0.85%
0.85%
0.85%
0.85%

15,053
32,130
51,504
73,483
98,418
86,841
98,818
112,448
127,957
145,606
134,129
152,937
174,383
198,835
226,717

1099987
2347894.7
3763614.8
5369713.8
7191793
8183721.1
9312460.8
10596882
12058457
13721620
15645734
17839657
20341223
23193571
26445889

Vs.

Equity MF
with Flat
FMC @
2.25% (wo
Term
Insurance)
1124125
2387782
3808290
5405120
7200155
8093874
9098526
10227881
11497417
12924533
14528791
16332177
18359409
20638271
23199996

FD & MF

Year 1
Year 2
Year 3
Total Gains

Mutual Fund with 20% returns p.a.

Fund A
16.00% Fund B
16.00% Fund C
500000
80000
500000
80000
500000
580000
580000
92800
580000
672800
672800
780448
533248

F
16.00%
80000
92800
107648

Year 1
Year 2
Year 3
Total Gains

Page 4

FD & MF

Fixed Deposit with 9% Interest Rate

FD 1
9.00% FD 2
9.00% FD 3
1000000
90000
1000000
90000
1000000
1090000
1090000
98100 1090000
1188100
1188100
1295029

9.00%
90000
98100
106929

573129

Page 5

Year
Year
Year
Year
Year
Year
Year
Year
Year

1
2
3
4
5
6
7
8
9

Lumpsum FD
1000000
1060300
1124236.09
1192027.5262
1263906.7861
1340120.3653
1420929.6233
1506611.6796
1597460.3638

FD & MF

90000
95427
101181
107282
113752
120611
127884
135595
143771

Page 6

MF Recommendations

Fund Name
Axis Equity Fund
Axis Long Term Equity Fund
Birla Sun Life Frontline Equity Fund

Launch Date

Category

Rating

1-Year
Return (%)

12/01/09
12/01/09
08/01/02

Large Cap
Tax Planning
Large & Mid Cap

4 Star
5 Star
4 Star

49.37
79.26
57.34

Birla Sun Life Manufacturing Equity Fund 01/01/15

Regular Plan

Large & Mid Cap

Unrated

--

DSP BlackRock Dynamic Asset Allocation

Fund - Regular Plan

01/01/14

Hyb Asset Alloc

Unrated

15.2

DSP BlackRock T.I.G.E.R. Fund - Regular

Plan
Franklin Build India Fund

05/01/04
08/01/09

Infrastructure
Infrastructure

4 Star
5 Star

84.46
104.68

Franklin India Multi Asset Solution Fund

Franklin India Prima Plus Fund

11/01/14
09/01/94

Hybrid Others
Large & Mid Cap

Unrated
5 Star

-67.79

Franklin India Smaller Companies Fund

Franklin India Taxshield Fund
HDFC Balanced Fund
HDFC Infrastructure Fund
HDFC Mid-Cap Opportunities Fund

12/01/05
04/01/99
08/01/00
02/01/08
06/01/07

Mid & Small Cap

Tax Planning
Hybrid Equity
Infrastructure
Mid & Small Cap

5
4
4
3
4

Star
Star
Star
Star
Star

96.81
67.63
53.42
89.19
76.73

ICICI Prudential Balanced Advantage Fund

12/01/06
- Regular Plan

Hybrid Equity

4 Star

33

ICICI Prudential Focused Bluechip Equity

Fund Regular Plan

05/01/08

Large Cap

5 Star

51.08

ICICI Prudential Tax Plan - Regular Plan

08/01/99

Tax Planning

4 Star

62.26

ICICI Prudential Value Discovery Fund Regular Plan

07/01/04

Mid & Small Cap

4 Star

87.47

Kotak Equity Savings Fund - Regular Plan 10/01/14

08/01/09
Kotak Select Focus Fund Regular Plan

Hybrid Equity
Large & Mid Cap

Unrated
4 Star

-66.67

L&T Business Cycles Fund - Non-Direct

Plan
Reliance Equity Opportunities Fund

08/01/14
03/01/05

Multi Cap
Mid & Small Cap

Unrated
3 Star

-68.44

Reliance Retirement Fund - Wealth

Creation Scheme
SBI Bluechip Fund
SBI Magnum Global Fund
UTI Opportunities Fund

02/01/15
01/01/06
09/01/94
07/01/05

Large & Mid Cap

Large & Mid Cap
Mid & Small Cap
Large Cap

Unrated
4 Star
4 Star
5 Star

-59.5
79.76
50.94

Page 7

MF Recommendations
Since
3-Year
5-Year
Inception
Return (%) Return (%) Return (%)

Standard
Deviation

Sharpe
Ratio

Beta

Alpha

R-Squared

NAV As on
3rd March
2015

25.79
37.65
27.79

14.95
25.52
16.76

14.69
25.3
25.47

13.7
13.88
14.8

1.18
1.76
1.2

0.92
0.9
1.03

5.96
14.54
6.36

0.9
0.84
0.96

20.3
32.19
171.23

--

--

2.6

--

--

--

--

--

10.26

--

--

14.92

--

--

--

--

--

11.62

22.25
37.55

11.03
20.69

20.54
21.73

24.13
18.45

0.59
1.42

1.51
1.15

-2.58
13.42

0.78
0.78

74.31
29.5

-27.79

-18.03

3.24
20.49

-13.93

-1.26

-0.93

-7.29

-0.88

10.31
451.6

43.63
27.52
24.28
19.64
33.4

24.81
19.09
19.04
9.9
24.37

16.13
27
18.04
8.39
18.9

16.47
13.48
11.86
28.2
15.89

1.81
1.28
1.24
0.49
1.39

0.96
0.89
0.94
1.73
0.91

19.13
7.36
6.87
-5.29
12.03

0.68
0.87
0.73
0.75
0.65

39.25
434.66
110.59
17.56
37.91

21.18

15.71

12.17

8.81

1.42

0.74

6.3

0.84

25.59

23.76

17.69

18.07

13.76

1.05

0.96

3.85

0.96

30.88

27.99

17.59

23.97

14.66

1.24

0.91

8.15

0.77

282.64

35.92

22.93

26.43

16.08

1.49

0.93

13.74

0.66

118.91

-29.12

-18.1

6.68
17.16

-15.07

-1.27

-1.01

-8.02

-0.89

10.65
23.76

-30.16

-21.5

28.85
23.04

-15.38

-1.3

-0.91

-9.94

-0.69

12.89
78.53

-28.82
34.62
22.49

-16.04
22.65
16.91

12.52
22.45
18.52

-12.77
13.72
14.01

-1.42
1.66
0.97

-0.87
0.73
0.95

-8.65
14.73
3.02

-0.91
0.56
0.92

10.13
29.11
136.79
51.72

Page 8