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Mutual Fund investments are subject to market risks Please read the SID & SAI carefully before investing
Phase III
Earning Years
Our family continues to have these financial needs, whether we survive or not
Century SIP
A complete solution
Mutual Fund investments are subject to market risks Please read the SID & SAI carefully before investing
* Awarded by CNBC TV 18 Crisil; Please refer to slide number 38 for awards methodology; Past performance may or may not be sustained in the future.
Mutual Fund investments are subject to market risks Please read the SID & SAI carefully before investing
Limits above are subject to maximum coverage of Rs. 20 lakhs per investor
Life cover continues even if SIP stops
Mutual Fund investments are subject to market risks Please read the SID & SAI carefully before investing
Various Scenarios
Century SIP
SIP Continues
SIP Stops
Scenario SIP discontinues before 3 years from the date of 1st installment
Scenario SIP discontinues after 3 years from the date of 1st installment
Life cover continues @ fund value* subject to maximum of 100 times Monthly SIP Installment
Note Insurance cover would cease , if investor redeems (fully / partially) or switch out (fully / partially) units before completion of the Century SIP tenure * Fund Value = Value of units, accumulated under Century SIP, at start of the each policy year.
Mutual Fund investments are subject to market risks Please read the SID & SAI carefully before investing
1,200,000
1,000,000
408,348
908,348 1,650,193
800,000
600,000
400,000
200,000
0 Start Year 1 Year 2 Year 3 Year 4 Year 5 Year 6 Year 7 Year 8 Year 9 Year 10
Rate of Return assumed @ 12% pa Computations - Internal
Fund Value
Life Cover
Mutual Fund investments are subject to market risks Please read the SID & SAI carefully before investing
Uniform Life Cover through out Life cover paid in addition to the fund value Life cover continues even if SIP discontinues* You get covered when you need it the most i.e. AS YOU GROW OLD Life cover reduces with payment of the SIP installments Life cover proceeds goes to the AMC, towards payment of outstanding SIP installments
SIP Discontinues
Life cover ceases Life cover continues @ fund value* subject to maximum of 100 times monthly SIP installment
* Fund Value = Value of units, accumulated under Century SIP, at start of the each policy year ~ Based on Published Information of other available SIPs
Mutual Fund investments are subject to market risks Please read the SID & SAI carefully before investing
Term Insurance
Annual / Single Premium Individual Underwriting Medical Tests*
25 Y Year 2
Rs. 250,000 1Y Rs. 1,050 Rs. 1,050
Term Life Insurance Premium for Various Ages 35 Y Year 3 Year 1 Year 2 Year 3 Year 1
Rs. 500,000 28 Y Rs. 2,100 Rs. 58,800 Rs. 50,000 1Y Rs. 255 Rs. 255 Rs. 250,000 1Y Rs. 1,275 Rs. 1,275 Rs. 500,000 18 Y Rs. 2,550 Rs. 45,900 Rs. 50,000 1Y Rs. 383 Rs. 383
45 Y Year 2
Rs. 250,000 1Y Rs. 1,913 Rs. 1,913
Year 3
Rs. 500,000 8Y Rs. 30,600 Rs. 30,600
Total Savings
Rs. 60,060
Rs. 47,430
Rs. 32,896
Whopping
Mutual Fund investments are subject to market risks Please read the SID & SAI carefully before investing
Mutual Fund investments are subject to market risks Please read the SID & SAI carefully before investing
Mutual Fund investments are subject to market risks Please read the SID & SAI carefully before investing
Mutual Fund investments are subject to market risks Please read the SID & SAI carefully before investing
Mutual Fund investments are subject to market risks Please read the SID & SAI carefully before investing
Why SIP?
Mutual Fund investments are subject to market risks Please read the SID & SAI carefully before investing
Start Early
Invest Regularly
Create Wealth
Mutual Fund investments are subject to market risks Please read the SID & SAI carefully before investing
Invest Regularly
Illustration
8,000,000
7,000,000
5,000,000
4,000,000
3,000,000
Rs. 21 lakhs
2,000,000
1,000,000
Rs 10 lakhs
0 1 3 5 7 9 11 13 15 No. of years
Mutual Fund investments are subject to market risks Please read the SID & SAI carefully before investing
17
19
21
23
25
27
29
Source - Internal
Invest Regularly
It is the small drops that make an ocean Relieves you of the last minute pressure Slow and steady wins the race
E.g. Split your Sec 80C investments into smaller amounts and invest every month
Systematic Investing
Similar to a Recurring Deposit with a bank Method of investing predetermined amounts of money regularly to benefit from the stock market volatility Convenient and Hassle-Free
Automatic investments, one-time instruction, transactions on the net
Similar to PF : Small amount invested regularly to become a sizeable sum after some years Light on the wallet
As low as Rs. 1,000/- per month
Mutual Fund investments are subject to market risks Please read the SID & SAI carefully before investing
Equity investing is
6
Total
Rs. 1,000
Rs. 6,000
10.00
100.00
614.91
Mutual Fund investments are subject to market risks Please read the SID & SAI carefully before investing
Since Inception
23.00 17.75 25.27 21.67 25.58 19.48 28.18 16.92
Past performance may or may not be sustained in future. Load and Taxes are not considered for computation of returns. The data assumes the
investment of Rs. 1,000/- on 1st day of every month or the subsequent working day. CAGR Returns are computed after accounting for the cash flow by using the XIRR method (investment internal rate of return). G Growth & D - Dividend
Mutual Fund investments are subject to market risks Please read the SID & SAI carefully before investing
Other Features
Mutual Fund investments are subject to market risks Please read the SID & SAI carefully before investing
Century SIP
Century SIP will be an optional feature Feature will be available with SIP investments in all equity schemes (open-ended) offered by the BSLAMC Minimum & maximum investments amounts: Minimum investment Rs. 1,000 pm Maximum investment There is no upper limit to the monthly installment. Tenure of the SIP 55 years less the current completed age of the investor Load structure Entry Load Nil Exit Load - As per the underlying scheme
Mutual Fund investments are subject to market risks Please read the SID & SAI carefully before investing
Mutual Fund investments are subject to market risks Please read the SID & SAI carefully before investing
Awards Methodology
Award : CNBC TV18 - CRISIL Mutual Fund of the Year Award for 2007. Birla Sun Life Mutual Fund, Category Mutual Fund of the Year, out of 26 fund houses. Fund Houses winning at least two awards for their schemes in the category level awards for 2007 were considered for the award based on consistency of fund house's performance across various scheme categories in the four quarterly CRISIL CPR rankings released during the calendar year 2007. The individual CRISIL CPR ranks for their schemes were aggregated on a weighted average basis to arrive at the final ranks for fund houses.
Birla Sun Life Frontline Equity Scheme was among the 2 schemes that won the CNBC TV18 - CRISIL Mutual Fund of the Year Award in the category- Large Cap Oriented Equity Funds. In total 22 schemes were eligible for the award universe. Birla MIP was the only scheme that won the CNBC TV18 - CRISIL Mutual Fund of the Year Award in the category- Monthly Income Plans (Conservative). In total 9 schemes were eligible for the award universe. Birla Sun Life Short Term Fund was the only scheme that won the CNBC TV18 - CRISIL Mutual Fund of the Year Award in the category of Income Short Term Funds. In total 12 Schemes were eligible for the award universe. Birla Sun Life Income Fund was the only scheme that won the CNBC TV18 - CRISIL Mutual und of the Year Award in the category of Income Funds. In total 17 Schemes were eligible for the award universe. Schemes present in all four quarter CRISIL CPRs were considered for the award. The award is based on consistency of scheme's performance in the four quarterly CRISIL CPR rankings released during the calendar year 2007. The individual CRISIL CPR parameter scores averaged for the four quarters were further multiplied by the parameter weight as per the CRISIL CPR methodology to arrive at the final scores. Birla Infrastructure Fund was the only scheme that won the CNBC TV18 - CRISIL Mutual Fund of the Year Award in the category- Emerging Equity Fund of the Year. In total 14 schemes were eligible for the award universe. Open ended equity schemes having a one to two year track record as on December 31, 2007 and fulfilling CRISIL's eligibility criteria on disclosure were considered for the award. The award is based on the scheme's performance using the analytical approach of the CRISIL CPR rankings having the analysis period as the year 2007.
A detailed methodology of the CRISIL CPR is available at www.crisil.com. Ranking & Award Source: CRISIL Fund Services, CRISIL Ltd. Past performance is no guarantee of future results.
ICRA Award: Birla Income Plus (Category- Debt- Schemes Long Term), 7- Star indicates- Best performance amongst the 5-Star Funds. 1 year Performance for the period ending December 31, 2007. Birla Sun Life Short Term Fund (Growth)- (Category- Liquid Plus Schemes), 7- Star indicates- Best performance amongst the 5-Star Funds. 1 year Performance for the period ending December 31, 2007. The rank is an outcome of an objective and comparative analysis against various parameters, including: risk adjusted return, fund size, sector concentration, portfolio turnover, liquidity, company concentration and average maturity. The ranking methodology did not take into account entry and exit loads imposed by the scheme. The rank is neither a certificate of statutory compliance nor any guarantee on the future performance of Birla Sun Life Mutual Fund or its Schemes. Ranking source and publisher: ICRA Online.
Lipper Awards 2008: Methodology: Birla Sun Life Income Fund Growth: Best Fund Bond Indian Rupee General for 3 year performance period ended on December 31, 2007 out of 100 funds and Best Fund Bond Indian Rupee General for 10 year performance period ended on December 31, 2007, out of 35 funds. Birla Gilt Plus- Regular Plan- Growth: Best Fund Bond Indian Rupee Government for 5 year performance period ended on December 31, 2007, out of 10 funds. Birla Sun Life '95 Fund: Best Fund- Mixed Assets Aggressive- General for 10 year performance period ended on December 31, 2007, out of 6 funds. Entry / Exit load not considered. Past performance is no guarantee of future results. Ranking source: Lipper A Reuter Company. Scheme Name, Nature & Objective: Birla Sun Life Frontline Equity Fund (an Open- end growth scheme) with an objective of long term growth of capital, through a portfolio with a target allocation of 100% equity by aiming at being as diversified across various industries and or sectors as its chosen benchmark index, BSE 200. Birla Sun Life Monthly Income (an Open-end income scheme) with an objective to generate regular income so as to make monthly and quarterly distribution to unit holders with the secondary objective being growth of capital. Monthly Income is not assured and is subject to availability of distributable surplus. Birla Sun Life Short Term Fund (an Open-end short term income scheme) with an objective to generate income and capital appreciation by investing 100% of the corpus in a diversified portfolio of debt and money market securities with relatively low levels of interest rate risk. Birla Sun Life Income Fund (an Open-end income scheme) with an objective to generate income and capital appreciation by investing 100% of the corpus in a diversified portfolio of debt and money market securities. Birla Infrastructure Fund (an Open-end growth scheme) with an objective of providing for medium to long-term capital appreciation by investing predominantly in a diversified portfolio of equity and equity related securities of companies that are participating in the growth and development of infrastructure in India. Birla Income Plus (an Open-end income scheme) with an objective to generate consistent income through superior yields on its investments at moderate levels of risk through a diversified investment approach. Birla Gilt Plus (an Open-end Government Securities scheme) with an objective to generate income and capital appreciation through investments exclusively in Government Securities. Birla Sun Life '95 Fund (an Open-end balanced scheme) with an objective of long term growth of capital and current income, through a portfolio of equity and fixed income securities.
Mutual Fund investments are subject to market risks Please read the SID & SAI carefully before investing
Mutual Fund investments are subject to market risks Please read the SID & SAI carefully before investing
Year 1
Sum Insured Premium Payment Term~ Annual Premium^ Total Premium Rs. 200,000 1Y Rs. 700 Rs. 700
Year 2
Rs. 1,000,000 1Y Rs. 3,500 Rs. 3,500
Year 3
Rs. 2,000,000 28 Y Rs. 7,000
Year 1
Rs. 200,000 1Y Rs. 800
Year 2
Rs. 1,000,000 1Y Rs. 4,000 Rs. 4,000
Year 3
Rs. 2,000,000 18 Y Rs. 8,000
Year 1
Rs. 200,000 1Y Rs. 1,315
Year 2
Year 3
Rs. 1,000,000 Rs. 2,000,000 1Y Rs. 6,575 Rs. 6,575 8Y Rs. 13,150 Rs. 105,200
Total Savings
Rs. 200,200
Rs. 148,800
Rs. 113,090
Mutual Fund investments are subject to market risks Please read the SID & SAI carefully before investing