Is It Right Time To Buy???

Service Tax Benefit now!!!

Budget Proposal

A new levy of service tax has been proposed by the government on the investment portion
of Unit Linked Insurance Policies (ULIPs) from April 1, 2008.

Effect on Policyholders

Some amount will be deducted from the Investment portion of ULIP plans for service tax
deduction.

You will get LESS units when you will be putting money in ULIP after March 31, 2008

What you can do RIGHT now???

Buy the ULIP plan that you have been postponing before March 31, 2008 and save on any
service tax

Falling Markets Benefit now!!!

The Present Situation

From a high of nearly 20000 point in Jan 2008 share market has fallen to less than 15000
points as of now.

The NAV for Bharti Axa growth fund option has fallen from 18.57 in Jan 2008 to 13.70 in
March 2008

The Benefit for YOU!!!

Market do not fall forever, they rise back in some time.

Same amount of premium can get you more UNITS today, more investment to benefit when
the market goes up.

All falling markets present an opportunity to BUY good investments at cheaper price.

In last 10 years the markets have fluctuated and given negative returns in 5 out of 10
years.inspite of this the markets grew by 12.85%

PERFORMANCE OF BSE SENSITIVITY INDEX - Equities not risky in long run

Rolling Returns - Growth
YEAR
SENSEX
END
level
31-Mar-79 100.00
31-Mar-80 128.57
31-Mar-81 173.44
31-Mar-82 217.71
31-Mar-83 211.51
31-Mar-84 245.33
31-Mar-85 353.86
31-Mar-86 574.11
31-Mar-87 510.36
31-Mar-88 398.37
31-Mar-89 713.60
31-Mar-90 781.05
31-Mar-91 1167.97
31-Mar-92 4285.00
31-Mar-93 2280.52
31-Mar-94 3778.99
31-Mar-95 3260.96
31-Mar-96 3366.61
31-Mar-97 3360.89
31-Mar-98 3892.75
31-Mar-99 3739.96
31-Mar-00 5001.28
31-Mar-01 3604.38
31-Mar-02 3469.35
31-Mar-03 3048.72
31-Mar-04 5590.60
31-Mar-05 6492.82
31-Mar-06 11279.96
Average Returns

Years
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
22
22
23
24
25

1 year

3 years

5 years

7 years

10 years

15 years

28.57%
34.90%
25.52%
-2.85%
15.99%
44.24%
62.24%
-11.10%
-21.94%
79.13%
9.45%
49.54%
266.88%
-46.78%
65.71%
-13.71%
3.24%
-0.17%
15.82%
-3.92%
33.73%
-27.93%
-3.75%
-12.12%
83.38%
16.14%
73.73%
28.29%

29.61%
18.05%
12.25%
17.58%
39.49%
27.66%
4.03%
7.52%
15.24%
43.12%
81.76%
42.93%
47.90%
-8.70%
13.86%
-3.83%
6.08%
3.57%
14.17%
-2.53%
-2.47%
-15.21%
15.76%
23.23%
54.67%
19.43%

19.66%
22.44%
27.05%
18.58%
13.50%
23.81%
17.16%
15.26%
53.04%
41.76%
39.57%
33.09%
23.58%
-4.74%
11.29%
-0.21%
8.93%
1.37%
0.64%
-4.77%
8.37%
5.36%
25.63%
17.41%

28.36%
21.77%
12.61%
18.48%
20.52%
24.97%
42.80%
21.78%
33.11%
35.03%
24.81%
23.18%
18.77%
-1.92%
11.87%
-0.67%
0.89%
-1.41%
7.54%
7.58%
17.08%
17.48%

21.72%
19.77%
21.01%
34.71%
26.84%
31.45%
24.87%
19.35%
20.74%
25.60%
18.02%
20.40%
11.93%
-2.09%
2.95%
3.99%
7.13%
12.85%
17.85%

27.40%
24.05%
21.86%
20.02%
21.43%
19.92%
19.31%
13.03%
13.63%
14.53%
14.71%
15.16%
16.32%
18.57%

The Option for YOU Invest Now!!

The Plan
Flexible policy term of 15 / 20 / 25 years

ZERO allocation charges for premium 50,000 & above and only 1.4% average charges for
lesser premiums.
GUARANTEED additions to your policy ranging from 130% to 175%.
Best performing Fund Options to choose from (Grow, Save & Grow & Steady)
Options for withdrawing money during the policy term
Option to completely surrender the policy without CHARGES after six years.

Options to increase your investment whenever you wish.

Options to pay premium Yearly / Half yearly / Quarterly / Monthly.

The Option for YOU Invest Now!!

The Advantage
Buying in falling market means MORE units allotted for same amount of
premium.
(If you have invested with us on Jan 7, 08 Rs. 10,000/- you would have got 539
units @ Rs. 18.53 of NAV, but TODAY you can get 730 units..200 units MORE
which will grow more)
ZERO allocation charge means MORE units added to your account, more
investment & more returns
GUARANTEED additions even during falling markets to your policy ranging
from 130% to 175%.
Sensex has never given a Negative Return in 15 year or more term.
Make the best use of SIP option (monthly) for reducing your average NAV & have
more units with same investment.
For people who are very cautious we have FREE switch option to manage your
investment depending upon different market scenarios from. Choose a safe fund in
falling market and change to growth fund when market goes up.