Platinum Plus Fund II

PLATINUM PLUS FUND II
Investments
8th September 2008
Confidential Copyright Birla Sun Life Insurance Company Limited 2008

Roadmap
Rationale for investing

g in Platinum Plus Fund II
Platinum Plus Fund II – Key Features
Platinum Plus Fund I – Positioning & Performance
Copyright Birla Sun Life Insurance Company Limited 2008 2

Roadmap


Sensex : Current Equity Market Scenario
B Notional
Loss
A C
Actual
Loss
Investment Point
D

Analyzing policyholder’s viewpoint...
Key Concern as a policyholder: My capital should not get eroded
Key Expectation: I wish I could time the market
Assuming you have entered the market at A:

Happiest Scenario: Exiting the market at B (maximum returns)
However, y
you are still happy
y by
y exiting
g at C ((saved y
your capital))
Unhappy Scenario: Still invested in the market at D
I
Imagine
i if after
ft investing
i ti att A & being
b i still
till invested,
i t d
Your capital* is protected …&
icing on the cake..
Your returns are locked-in at B, with potential of further upside!!!!!
* Invested Amount
Why should you invest in Platinum Plus Fund II
If the equity markets rises…..
……..your
your unit value rises
BUT
If the equity markets falls…..

….Platinum
Platinum Plus is designed to ensure that you get
your investment amount/Guaranteed Maturity Unit
Price
When market goes up……….you are happy

When market goes down….you still remain happy!!!!

Roadmap


Getting to know the Fund
Investment Philosophy
To build a sound Investment Portfolio within the external and internal guidelines, to ensure
Li idit while
Liquidity, hil maximizing
i i i policyholders’
li h ld ’ wealth lth att an optimal
ti l level
l l off Risk
Ri k consistently
i t tl
on a Long term basis
Investment Objective
To optimize the participation in an actively managed well diversified equity portfolio of
fundamentally strong blue chip companies while using debt instruments & derivatives to
lock-in capital appreciations
I
Investment
t t Strategy
St t
Â An optimum mix of equities & fixed income instruments, with up to 100% exposure in
both equities & fixed income assets & up to 40% in Money Market Instruments (MMI)
Â At iinception,
ti 80%
80%-100%
100% off investible
i tibl amountt to
t be
b invested
i t d in
i equities
iti with
ith d
dynamic
i
rebalancing of asset allocation thereafter
Â Utmost thrust to be laid on building a good quality portfolio
Â Th ffund
The d would
ld b
be managed
d within
ithi iinternal
t l & regulatory
l t guidelines
id li
Fund Management Charges : 1.50% pa

Committed Asset Allocation
Committed Allocation: 0-100%

Equity I
Investment
t t in
i value
l & growth
th driven
di ffundamentally
d t ll strong
t bl
blue-
chip companies

Fixed
Investment in Government Securities, high rated Corporate
Income Bonds & Derivatives (Derivatives for hedging purposes only and
as approved by the IRDA)

MMI
Investment in good quality liquid instruments
Asset Allocation will be dynamically managed

Investment Strategy
Robust Asset Quality
Seamless &
Liquidity of the
Effective
Assets
Execution
Key Focus Areas
Dynamic & Strict adherence to
Disciplined Asset internal & regulatory
Allocation guidelines
Strong Support from an

experienced parent, Sun
Life Financials

How does Platinum Plus Fund II Work
In times of Bullish Equity Markets : Similar to other pure equity funds

Â Upto 100% equity participation
Â Strategy would revolve around actively managing a well-diversified equity portfolio

of value & growth driven fundamentally strong blue-chip companies
Â Research-based investment approach with focus on asset quality across funds
Â The focus will be on maximizing policyholders wealth over a long term horizon
In times of excessive market volatility : Provides Guaranteed Maturity Unit Price
Â Dynamic Rebalancing of asset allocations to ensure optimum returns
¾ In adverse market scenario, it would protect policyholders interest by

assuming the characteristics of a Fixed Income fund
Â Would allow policyholders to enjoys the best of both the worlds
¾ Participation in equity (capturing growth & capital appreciation opportunity

provided by
p y strong
g Indian economy y & corporate
p sector)) & investment in debt
(providing capital protection & regular income)
Â Would offer a much better risk-reward ratio compared to pure equity funds
Roadmap


Platinum Plus Fund I as on 8th Sep 2008
Asset Under Management: Rs 279.9 cr
Equity Exposure as on 8th Sep 2008: 89.2%
NAV as on 8th Sep

S 2008
2008: 9
9.706
706
Guaranteed Maturity
Unit Value: 11.0942

Guaranteed returns in volatile market
Loss suffered by investing in the index
Notional loss escaped by investing

in Platinum Plus Fund I
Despite fall in markets, policyholders

continue to enjoy guaranteed maturity
value of 11.0942
Â Despite providing guaranteed maturity unit value to its policyholders, the fund has
maintained higher equity exposure (~90%) & has performed in line with Nifty 50
Â Policyholders will continue to enjoy the upside while the downside is protected by the
guarantee

Di l i
Disclaimer
The premium paid in Unit Linked Life Insurance policies are subject to investment risks associated
with
ith capital
it l markets
k t and
d the
th NAVs
NAV off the
th units
it may go up or down
d b
based
d on the
th performance
f off the
th
fund and factors influencing the capital market and the insured is responsible for his or her decision.
Past performance is not indicative of future performance. Birla Sun Life is only the name of the
Insurance Company,
Company BSLI Platinum Plus Fund I is only name of the unit linked life insurance fund
and does not in any way indicate the quality of the contract, its future prospects or returns.
Insurance is the subject matter of the solicitation For more details on risk factors, terms and
conditions please read sales brochure carefully before concluding the sale.
sale

Thank You

Platinum Plus Fund II - Last Date29 Dec2008

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8th September 2008

Confidential Copyright Birla Sun Life Insurance Company Limited 2008

Rationale for investing