Diversified FOF By Abha Mahapatra BFIA 2 A SSCBS (DU)

This fund is mainly invested in Mutual funds and equities. Along with mutual funds SIP and ULIPS are also there in this fund. The fund hasnt invested yet in Gold and other assets because of unfavourable time. In the next few switches this fund will invest in bullion. The main objective of this mutual fund is to minimize the risks and losses as much as possible. The mutual fund consists of funds which are well diversified along various sectors and other debt instruments. Portfolio Summary GMR Infra SBI TATA Motors Wipro (equity) Escorts Liquid Plan (G) HDFC MIP LTP (G) SBI Magnum emerging business (G) BNP Paribas Tax Advantage Plan (G) SBI Life- Smart Wealth Assure- Equity Fund
Mutual Funds with SIP ULIPS Mutual Funds Equity

Fund Diversification
ULIPS Mutual Funds with 2% SIP 6% Cash 10%

MutualFunds 13% Equity 69%

Equity Holdings
GMR Infra, SBI, Tata Motors, Wipro GMR Infra looks attractive for long term as it has raised $71.5mn via debentures and is in talks with private equity investors to raise $250-300 million through stake in some of its road projects, two people with direct knowledge of the matter said. The Bangalore-based infrastructure company, which is looking to sell up to 26% stake in road projects, is in negotiations with SBI Macquarie, 3i Group Plc, Standard Chartered Pvt Equity, Blackstone and IDFC Project Equity. SBI, expectations of improvement in terms of NPA cycle over the next 3-6 months. Secondly, we expect interest rates to go up by 100-150 bps over the course of the year and that would provide mark-to-market gains in terms of investments to a large extent. Tata Motors benefited from strong demand for its recently-launched Evoque model at its Europe-based JLR (Jaguar Land Rover) operations in the December 2011 quarter. The company has also improved the proportion of its JLR models that are sold in fast-growing emerging markets like China and Russia. This had enabled it to deal with a rather difficult operating environment due to the euro zone crisis. Its total vehicle sales (JLR and standalone entity) grew 23.7% y-oy in third quarter of FY12, faster than that reported in the first two quarters of current fiscal. In addition, its consolidated net profit grew 40.5% in Q3, also faster than growth reported in the first two quarters. Tata Motors' JLR operations accounted for nearly twothirds of its consolidated revenues in the third quarter. The recent cut in CRR rates has also raised hopes of an easing in auto finance rates, and this should help the broader domestic auto sector, going forward.

Wipros third quarter results are above market expectations. Its profit after taxes during the quarter stand at Rs 1456 crore while its rupee revenues are 9997 crore.

Mutual Fund Holdings

Escorts Liquid Plan (G) The primary investment objective of the scheme is to provide income and liquidity consistent with the prudent risk from a portfolio comprising of money market and debt instruments. This mutual fund consist mainly commercial papers (90%). This mutual fund can optimize returns while providing liquidity. Returns Returns Escorts Liquid Plan - Growth 1 Wk 1 MT 3 MTS 6 MTS 2.52% 1 YR 3 YRS 5 YRS

0.03% 0.88%

5.07% 10.33% 7.94% 8.41%

HDFC MIP LTP (G) The primary objective of Scheme is to generate regular returns through investment primarily in Debt and Money Market Instruments. The secondary objective of the Scheme is to generate long-term capital appreciation by investing a portion of the Scheme`s assets in equity and equity related instruments. The portfolio mainly consists of credit exposure (50%), equity (25%), GOI sec(10.7%), Cds and Cps(10%) and others. The equities of this mutual fund have CRISIL AAA and FITCH AAA ratings. Period 1 mth 3 mth 6 mth 1 year 2 year 3 year 5 year Returns (%) 0.3 3.4 3.3 6.7 7.3 16.5 10.6

SBI Magnum emerging business (G) This scheme focuses on the theme of emerging businesses. So they invest in companies showing promise based on the growth potential arising out of export/outsourcing opportunities or global competitiveness. It also focuses on emerging domestic themes.

Investment in equities would be well diversified across various emerging sectors with exposure to a particular business restricted to 25% of the total investment portfolio under normal market conditions. It is equally divided between consumer goods, financial services, manufacturing and service sectors. Aggressive bets in high conviction stocks have resulted in the fund's outperformance. But it also makes it more susceptible to getting hit either during a market downturn or should the picks backfire. It is a high-risk, high-return strategy in terms of its concentration and deviation from the benchmark.

Returns
Period 1 mth 3 mth 6 mth 1 year 2 year 3 year 5 year Returns (%) -0.8 1.8 -3.0 17.1 12.5 55.9 10.3

SIP
BNP Paribas Tax Advantage Plan (G) The investment objective of the scheme is to generate long term capital growth from a diversified and actively managed portfolio of equity and equity related securities along with income tax rebate, as may be prevalent from time to time. The investments are equally distributed between IT Software, Banks, consumer durables, Pharmaceuticals, Auto and ancillary.

Returns
Period 1 mth 3 mth 6 mth 1 year 2 year Returns (%) -0.6 4.0 1.0 9.2 4.3

3 year 5 year

29.3 4.4

ULIPS
SBI Life- Smart Wealth Assure- Equity Fund
Maturity: The fund value as on maturity date will be provided to you. If opted for guaranteed fund, higher of fund value or minimum guaranteed NAV fund value will be provided.

Settlement Option: Instead of lump sum amount on maturity, you can choose to receive the amount in instalments over the next few years.

Riders: The riders pay additional amount on occurrence of an eventuality. You can opt for Accidental death benefit rider with the plan.