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OV ABN Amro/ RBS Coutts*

OV Bank Of America*
OV Barclays Wealth
OV BNP Paribas*
OV Citigroup*
OV SBS*
OV SSP Merrill Lynch*
OV S C*
OV SBC*
OV YCYCY*
OV YNG
OV jotak Mahindra*
OV Morgan Stanley
OV Société Générale*
OV Standard Chartered
OV ¯BS
OV ¯ Y (Axis Bank)


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Planning for wealth requires understanding of the asset allocation practice.

Asset Allocation is the process of deciding how to distribute wealth among various
asset classes and sectors. Although often regarded as a minor investment decision,
asset allocation is the cornerstone on which the entire investment process is built.
About 90% of return variability over time can be explained by asset allocation
decisions. About 40% of the differences in returns can be explained by differences
in asset allocation. Asset allocation is thus the major factor that drives portfolio
risk and return. Asset classes have fluctuating returns and correlations over
different time horizons. No one asset class tends to outperform others consistently,
therefore it is critical to diversify and adapt your portfolio to the dynamic
investment climate.
 herefore it is important that one must spread his asset across equity, debt,
structured products, private equity, real estate and other alternates as well.


"#$%#$&

'#(") Sirect Equity investment generally refers to the buying and

holding of shares of stock on a stock market by individuals in anticipation of
income from dividends and capital gains as the value of the stock rises. Yndividuals
or firms trading equity (stock) on the stock markets as their principal capacity are
called stock traders. Stock traders usually try to profit from short-term price
volatility with trades lasting anywhere from several seconds to several weeks. On
the other hand, stock investors purchase stocks with the intention of holding for an
extended period of time, usually several months to years.

"" "$ A Mutual und is a professionally managed pool of money from
investors with similar investment objectives. A mutual fund represents many
individual stocks from a variety of industries and is managed by a fund manager.
Mutual funds offer diversification and professional management of your money.
Siversification reduces the risk because all stocks may not move in the same
direction in the same proportion at the same time.
$"# Life Ynsurance helps you protect yourself and your family against an
uncertain future. After deciding the amount of insurance that you require, you need
to decide on the policy that best suits your needs. Your insurance needs are
dependant on your responsibilities and financial commitments, which are defined
by your life stage and your needs. Yf you have just begun a family, you need a
policy that would provide for your child¶s needs for higher overseas education, or
marriage or a business venture. You also need to take a policy such that should
something untoward happen to you; your family has the money to meet their daily
expenses comfortably.


!#*

"#""#$ A structured product is generally a pre-packaged

investment strategy which is based on derivatives, such as a single security, a
basket of securities, options, indices, commodities, debt issuances and foreign
currencies. A feature of some structured products is a "principal protection"
function which offers protection of principal if held to maturity.
%(") Private equities are equity securities of unlisted companies. hey
are generally illiquid and thought of as a long-term investment. Private equity
investments are not subject to the same high level of government regulation as
stock offerings to the general public. Private equity is also far less liquid than
publicly traded stock.

$ Real estate funds are founded by a group of real estate

professionals/experts to 'manage' property/real estate for the investor. Apart from
sale of property, real estate funds also make money from rentals on property
owned by them. Some real estate funds may not actually own property as that may
involve above-average risk from volatility in property prices. Ynstead such funds
invest in bonds/instruments that are secured by property. he coupon rate that they
receive on these bonds/instruments is then distributed to investors/unit holders as
dividends.
$  Estate planning is a process involving the counsel of
professional advisors who are familiar with your goals and concerns, your assets
and how they are owned, and your family structure. Yt can involve the services of a
variety of professionals, including your lawyer, accountant, financial planner, life
insurance advisor, banker and broker.

Estate planning covers the transfer of property and may or may not involve tax
planning. he core document most often associated with this process is your will.
c$+ You may have your debt and equity funds in place, but investing
in commodities could just be the one element to improve your portfolio.
Commodity trading provides an ideal asset allocation, also helps you hedge against
inflation and buy a piece of global demand growth. Ynvestors must understand the
demand cycle that commodities go through and should have a view on what factors
may affect this. Because commodities prices usually rise when inflation is
accelerating, they offer protection from the effects of inflation. ew assets benefit
from rising inflation, particularly unexpected inflation, but commodities usually
do. As demand for goods and services increases, the price of goods and services
usually rises too, as does the price of the commodities used to produce those goods
and services. Commodity exposure can be taken either directly through the
 commodity exchange or through various mutual funds with a mandate of investing
in commodities.
+ As with any investment, you need to do your research and go beyond your
comfort zone. he art market is fickle and there are no guarantees of profitability,
but with a little legwork and forethought you can fill your home with images that
may prove worthy investments down the line. he price of art is affected by such
an array of intangible factors that valuing it can never be an exact science. After
all, what one generation finds appealing another may find unsightly. While the
market for art might look attractive the investor might well be advised to tread with
caution and use the help of trusted / reputed experts.

'
 Ynvesting in equities requires time, knowledge and constant
monitoring of the market. or those who need an expert to help manage their
investments, Siscretionary Portfolio Management Service (PMS) comes as an
answer. he benefits of PMS are:
OV Your portfolio is tailored after a thorough research backed by the expertise of the
PMS team.
OV An experienced team of portfolio managers ensure your portfolio is tracked,
monitored and optimized at all times.
Non-Siscretionary PMS is a consultative and transparent method of investing.
With NSPMS, the investor is always consulted and informed of all investment
decisions, thus giving him total control of the portfolio.

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Standard Chartered has a history of over 150 years in banking and operates in
many of the world's fastest-growing markets with an extensive global network of
over 1,400 branches. he Standard Chartered Group was formed in 1969 through a
merger of two banks: he Standard Bank of British South Africa founded in 1863,
and the Chartered Bank of Yndia, Australia and China, founded in 1853.With strong
organic growth supported by strategic alliances and acquisitions and driven by its
strengths in the balance and diversity of its business, products, geography and
people, Standard Chartered is well positioned in the emerging trade corridors of
Asia, Africa and the Middle East.

Standard Chartered derives over 90 per cent of profits from Asia, Africa and the
Middle East. Serving both Consumer and Wholesale Banking customers
worldwide, the Bank combines deep local knowledge with global capability to
offer a wide range of innovative products and services as well as award-winning
solutions. he bank has adopted a sustainable business strategy that recognizes that
they can have the greatest influence on sustainable development through using its
skills, talent and knowledge and the products and services that are offered. By
working closely with stakeholders such as governments, customers, employees and
suppliers, they make a positive contribution to the societies.

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At Standard Chartered Priority Banking, the aim is to maximize customers

financial growth and security without compromising those things which are
important to them. hey strive to prioritize and achieve clients¶ various goals such
as child education, purchase of a house, daughter¶s marriage and retirement
planning. hey offer a highly personalized banking service that accords the highest
level of attention, benefits and privileges to customer, his family and his business.

Standard Chartered Priority Banking is available across an extensive network. So

the customers can have access to the most privileged levels of personalized
banking in all the branches around the world.

 ."#$%#$ ..

Ê

 

 
Standard Chartered Premium Currency Seposit gives substantially higher interest
rates than a regular time deposit. he reasury specialists can assist the clients
with customized strategies to enhance returns. A wide range of currency pairs are
available, for example Australian Sollars vs. ¯S Sollars, Euro vs. ¯S Sollars,
Australian Sollars vs. Singapore Sollars and more.

Ê Ê 


 

 

With Principal Protected Currency Seposit, clients can earn potentially higher
interest based on strategies customized to his views of the currencies, with the
principal protected.

 

he client can select from our range of bonds issued by well-established and
reputable organizations worldwide to enhance returns. enures typically run from
1 to 10 years.

   

Standard Chartered is a recognized leader and the largest third party distributor of
funds. apping on the expertise of reputable fund houses, they offer a wide range
of investment options.

O ER PROS¯C S ANS SERVYCES YNCL¯SE:

OV Saving Accounts
 OV Current Accounts
OV oreign Currency Seposits
OV Cheque & Save Accounts
OV ime Seposits
OV Ynsurance
OV Ynvestment linked products
OV Rate linked Seposits
OV Currency Ynvestments
OV Principal Guaranteed Ynvestments
OV ax & Estate Planning
OV Personal Loans
OV Personal Credit
OV Standard Chartered Platinum Credit Card
OV Mortgage One
OV Business Property inancing
OV rade Services


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Relationship Manager helps the client to grow his wealth, manage credit, and
protect his wealth through a three step procedure.

Ê
  ¯sing proprietary financial tools to identify customers needs, analyze

situation and evaluate risk appetite.

p
 Strives to execute the plan and building wealth through a wide range of
products and services.

Ê  Ensure to maintain the value of what has been built and ensure
sufficient protection for the client and his family over the long term.
 o decide the most appropriate structure of the portfolio, the research team has
designed a questionnaire called Ynvestor Suitability orm to judge the risk appetite
of the client. he end result of the questionnaire is a score on the basis of which
they decide which fund to be included in their portfolio. he form provides a
justification for suggesting a particular fund and scheme. A copy of the suitability
form is attached to the Annexure.

urther to complement the suitability form, the research team in Mumbai also
publishes every month a fund advisor called Ynvestpro , which provides a detailed
report on the performance of the various funds. Yn this investpro the relationship
manager ,suggest a fund on the basis of Risk Adjusted Returns, Beta and unds
past performance. A copy of the Ynvestpro is attached to the Annexure.


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xV he Priority Banking customer enjoys the expertise of a dedicated Customer

Relationship Manager and the support of a highly specialized team of
financial experts to plan, build and protect his wealth.

xV he client enjoys a wide range of personalized and exclusive services. his

includes complimentary limousine service and invitations to exclusive
networking events plus international services across the international
network of 500 offices across 50 countries.

xV he customers children enjoy various facilities like:

µV Priority Banking Scholarship for your children

µV onorary Priority Banking status for your family members
µV Ynvitation to many leisure events/workshops

xV Priority Banking Customers enjoy global usage of Priority Banking Centers

and its amenities, e.g. free use of Priority Banking lounge, access to Ynternet,
wide range of magazines, etc. Siscounted banking service privileges for
foreign currency exchange, traveler cheques and telegraphic transfer etc
issuance are also available for the clients.

xV Priority Banking keeps its clients at the pulse of market trends with reviews
on fund performance, market outlook, political and economic analysis
covering the major markets around the world.

xV ardcopy of the monthly statements are mailed to the client to keep him
update about his portfolio in addition to this the client also receives capital
gain transaction statement for tax planning purpose.

xV he client enjoys full discretion in deciding the structure of the portfolio.

e/She is not required to sign the Power of Attorney.
 
0#$$$"$

Yn managing your investment requirements, we take a comprehensive portfolio

approach with solutions and products customised to meet your individual financial
goals, life stages and risk appetite.
Your Relationship Manager, together with a qualified team of product specialists
will ensure that you receive the best solutions in hand on the full range of
investment, treasury and insurance products.
c%$!.

Your core investment portfolio comprises wealth-generating instruments designed

to help you achieve your long-term financial needs.
 OV irst, we work out your long-term financial needs, such as property
investments, funding your child¶s education or preparing for your
retirement

OV We will then assess your risk profile and help you build suitable core
portfolios that are geared towards maximising your returns within your
required timeframe

OV Your portfolio also comprises traditional investments such as deposits,

unit trusts/mutual funds and exchange traded funds that give you
exposure to a diversified range of asset classes such as cash, bonds and
equities.

OV he range of asset classes is determined by our proprietary strategic

asset allocation models. Sepending on your preference, from the list of
unds that we distribute, we can offer you off-the-shelf portfolios or
create them from our recommended funds, which have been selected
based on our in-house research.

%$!.

Your satellite investment portfolio supplements your core portfolio by working to

capture specific opportunities that are typically short term in nature.

OV As your financial priorities evolve, we will continue to work with you

to identify specific investment opportunities that are suitable to your
risk profile and financial status

OV hese portfolios typically comprise of alternative investments such as

structured products, foreign currency investments, margin trading
services and securities trading

#!.
 o ensure that the wealth you have build remains protected, and to ensure that your
family's future is looked after, even in unforeseen circumstances, we will work
with you to find the right insurance plans.

OV Ynsurance plans range from whole life/universal life plans to

endowment plans, term insurance and investment linked insurance
portfolios that provide you returns and coverage at the same time

, ##"1%#$
o provide you with a complete investments solution, we offer a fully-loaded
broking account through Standard Chartered Capital Markets. his 3-in-1 account
has a Savings Account linked to a Semat and rading account

OV All in one account - rade in Equity, Serivatives, Currency utures and

YPO on a single trading platform.
OV Online/Offline trading platforms
OV Seamless transfer of funds and shares

$!
 1' A Relationship Manager from Standard

Chartered Capital Markets will service all your queries and needs related to your
rading and Semat account. Yn addition, dedicated dealing support will be
provided through the Centralized Sealing desk of SC Caps. SC Caps has
experienced and professionally trained dealers who will help in efficient execution
of trades in equities and derivatives. All their will be processed vide a Green
channel on top priority. his service is available in select cities initially.


  

OV Cash & Cash Alternatives

OV Structured Products
OV Mutual unds & und NAVs
OV Client-Sirected Mutual und Portfolios
OV Signature unds Portfolios
OV Signature Securities Portfolios
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Citi is today¶s pre-eminent financial services company, with some 200 million
customer accounts in more than 100 countries. Citi group¶s history dates back to
the founding of Citibank in 1812, Bank andlowy in 1870, Smith Barney in 1873,
Banamex in 1884 and Salomon Brothers in 1910.

Other major brand names in Citi's diverse portfolio include Citi Cards,
Citi inancial, CitiMortgage, CitiYnsurance, Primerica, Siners Club, Citi Private
Bank, and CitiCapital.

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Citigold offers the access to world class research on the global and local economy
through a team of experts from Citigroup. Citigold Wealth Management is an
innovative feature to complement Citibank and their range of banking services in
Yndia.

Citigold Wealth Management processes have been designed keeping the long-term
benefits and convenience of the customer in mind. Citigold Wealth Manager,
backed by a team of experts in the field of investments, insurance, treasury and
foreign exchange services provides the client with expert advice through the
CitiGold Wealth Management Process and helps keep track of customers portfolio
on a regular basis.
CitiGold offers a comprehensive range of products to meet customers transaction,
savings, investment and insurance requirements. he client can select from a set of
term and endowment insurance policies for .wealth protection. hey can also select
from a range of asset products, namely personal, home and auto loans at special
relationship pricing. Citibank makes available an exclusive set of structured
products for our CitiGold customers like Market Linked deposits and Ynvest Plus.

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Citigold follows a $!!#$$ for managing clients wealth-

he first step begins with  , the inancial Managing ool. Yt helps to assess
clients existing wealth, cash flow requirements, risk appetite and investment
horizon. he profile and cash flows will determine the optimal portfolio allocation
into liquid assets, medium term and long term investments. Yt also helps the client
to rationalize existing liabilities and determine insurance requirements so that his
family can continue to avail the same benefits and fulfill their dreams even in case
of an unfortunate eventuality. Yt thus enables customer to preserve, protect and
grow wealth.

he second step pertains to  

 and  

 and rebalancing

with CitiChoice. he client can select from a shortlist of top performing mutual
funds in each of the liquid, debt and equity funds asset classes from leading fund
houses in Yndia. Sepending on his risk appetite and investment horizon, he can also
invest in Government of Yndia fixed income securities, treasury bills and corporate
bonds/ debentures/ commercial papers.

CitiGold Wealth Manager actively  
 investment portfolio and keeps
him abreast with the updated status of his investments. e also receives a portfolio
tracker that contains details on his portfolio performance against his financial plan
and provides a systematic opportunity to rebalance his investments .
 or recommending a mutual fund, the wealth manager assesses his risk appetite by
using a questionnaire called c
 0which consist of few relevant
questions like age of the client, investment horizon, amount of money parked in
mutual fund, percentage of total wealth, need to invest, return requirement,
liquidity, goals, existing portfolio and magnitude of loss that can be sustained. his
helps in deciding the asset allocation and the respective fund and scheme that
should be chosen.

Citigold has a strong research team in Mumbai which issues every month a
detailed report on performance of mutual fund every month-this is known as
M¯ ¯AL ¯NS AC SEE . Yn this AC SEE , the wealth manager looks
for point to point returns(1 week,10 days, 30 days& 6 months),how well these
funds have performed on index, alpha, beta and few other relevant ratios .A
synopsis is given where the top 10 holdings in each fund are mentioned-which
influences the RM decision


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OV he client can conduct his banking in complete exclusivity and

confidentiality at Citigold¶s
 

 the world over, and come to
know about them through financial and business magazines and television
programmes.

OV CitiGold brings to their client 
 


with draft

drawing facilities at over 301 locations, national banking, payable-at-par
cheque books, cash delivery and cheque pick-up facilities.
 OV An exclusive CitiGold telephone line at Ê
  
 
  

 enables the customer to conduct their banking
transactions 24 hours a day, 7 days a week - both while they are in Yndia or
traveling overseas. CitiAlert messaging services helps the customer keep tab
on their money through Alerts on their email or mobile phone.

OV he clients are given a 

     foe accessing their online

accounts anytime-they can check their holding statement and transaction
statement anytime. he client can also buy and sell anytime . hey are also
given an option of calling their relationship manager and asking them to buy
and sell on their behalf, but for this they have to sign an 
   that
must reach the relationship manager within 72hours.


OV    of the 

 is mailed to the client once in a month or a

quarter as per his request to keep the client updated about their portfolio, in
addition to this they get a tax statement at the end of the financial year for
tax planning purpose.

OV After every transaction a    
is sent to the client from

Chennai ead Office-giving him full details of the transaction, the holding
of the new portfolio and is sent independent of the relationship manager and
branch manager.

OV he relationship manager every week calls the client and discusses the
portfolio details with him and keeps him aware of the new investment
opportunities from time to time.
OV or clients information, CY YCOYCE ± a list of top performing funds is
mailed to the client every quarter along with a monthly factsheet which
contains the latest market happenings and economy news.


 !2
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OV A dedicated Citigold Relationship Manager to advise on all investment and

financial needs
OV A proprietary analytical tool that helps formulate a total wealth management
strategy
OV Wide range of financial products to meet short, medium and long term
financial requirements

OV c  #$$$3$.")$!$4$

$#3

OV


 

OV ¯sing the Citibank Personal Ynvestment Risk Profile Questionnaire, your Citigold
Relationship Manager will understand your risk tolerance to help you determine a
suitable financial strategy
OV irst, your Citigold Relationship Manager will meet you to understand your
financial needs like:
µV Ynvesting in your children's education
µV Planning your retirement
µV Growing your wealth
µV Planning for other major financial goals and dreams

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¯sing the Citibank Personal Ynvestment Risk Profile Questionnaire, your Citigold
Relationship Manager will understand your risk tolerance to help you determine a
suitable financial strategy.
rom the information you provide, your Citigold Relationship Manager will
analyse your current risk profile and recommend the appropriate asset allocation
 
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OV Sepending on your risk appetite and desired returns you can select from, a range of
top performing Mutual unds from the leading fund houses in Yndia. CitiChoice
gives you a rigorously compiled shortlist of funds to select from, in each category
of liquid, debt and equity funds
OV With a clear understanding of your current financial situation, your future plans
and your risk profile, your Citigold Relationship Manager, with the help of a team
of experts, will help you determine the appropriate product mix in each asset class
OV Citibank offers you a selection of fund houses

/ 

  


Your finances need to be reviewed and analysed regularly to give you maximum
return. With Citigold, you get a Portfolio racker that helps you track your account
on an ongoing basis. You can use this feature of your statement to review your
investment portfolio with your Citigold Relationship Manager.
OV -"5#"$%.#"#" - Performance Summary, Asset
Allocation, und wise Portfolio racker, Systematic Ynvestment racker







CitiGold Wealth Management offers its ›
›
›› that comprise of:

OV ax and estate advisory services through a leading tax advisory firm in

Yndia.
OV ree for life Citibank Ynternational Gold Credit Card.
OV ¯pdated information on treasury, currency markets.
 OV Ynvites to seminars on capital markets, mutual funds, budget and taxation.
OV ree insurance benefits - up to Rs 30lakh personal accident, and baggage and
householder insurance.
OV ree access to airport lounges at Somestic and Ynternational airports in
Yndia.