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Our Investment Philosophy
As one of the leading private lifeinsurance companies, we know thatour customers trust their monies with
us to attain their long-term goals andto protect and achieve the dreamsand aspirations of their families.
With this in mind, our investmentfocus is to ensure long term Safety,Stability and Profitability of ourcustomers' funds.
Our aim is to achieve superior returnsfor a given level of risk. In order tomeet this objective, we havedeveloped an investment framework
that is based on a sound investmentprocess coupled with a rigorous andsophisticated risk managementstrategy.
Click to access:
Linked Life Funds
Linked Pension Funds
Performance Summary
Find your Fund
NEXT
The Investment Team Advises
5 Mantras of Financial Freedom
How we Manage your Money
Glossary of Terms
November, 2011(As on October 31, 2011)
To achieve your dream goal, be regular with your investmentsTo achieve your dream goal, be regular with your investments
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Performance Summary
**From the date of inception of the benchmark (2-April-2002)
Performance Summary
5 Mantras of Financial Freedom
The Investment Team Advises
Glossary of TermsHow we Manage your Money
Preserver 8.21% 8.52% 7.72% 6.17% 6.72% 6.16% -0.23 -2.78 28-Jun-04
Protector** 8.08% 7.39% 6.81% 7.00% 5.99% 5.82% -0.28 -0.75 15-Nov-01
Balancer** 12.97% 8.51% 12.48% 13.17% 7.32% 10.63% 0.04 -0.05 15-Nov-01
Maximiser 19.91% 8.30% 20.85% 22.90% 6.85% 17.92% 0.13 0.11 15-Nov-01
Flexi Growth 20.16% NA 7.99% 23.73% NA 7.16% NA NA 20-Mar-07
Flexi Balanced 13.94% NA 6.80% 16.76% NA 7.91% NA NA 20-Mar-07
Multiplier 20.58% NA -0.15% 22.67% NA -1.85% NA NA 26-Nov-07
R.I.C.H. Fund 19.28% NA 6.72% 23.45% NA 4.49% NA NA 17-Mar-08
Pension Preserver 8.03% 8.42% 7.56% 6.17% 6.72% 6.16% -0.33 -2.78 22-Jun-04
Pension Protector 7.69% 7.31% 6.93% 7.00% 5.99% 5.88% -0.33 -0.75 31-May-02
Pension Balancer 10.88% 7.25% 12.64% 13.17% 7.32% 11.21% -0.08 -0.05 31-May-02
Pension Maximiser 19.88% 8.16% 21.98% 22.90% 6.85% 19.13% 0.12 0.11 31-May-02
Pension Flexi Growth 21.69% NA 7.89% 23.73% NA 7.16% NA NA 20-Mar-07
Pension Flexi Balanced 13.65% NA 7.80% 16.76% NA 7.91% NA NA 20-Mar-07
Pension Multiplier Fund 16.42% NA -0.25% 22.67% NA 0.65% NA NA 25-Feb-08
Pension R.I.C.H. Fund 20.15% NA 6.94% 23.45% NA 4.57% NA NA 18-Mar-08
Date ofInceptionFund*
Annualized Returns(Benchmark)
5 Year Sharpe Ratio
3 Year 5 YearSince
Inception3 Year 5 Year
SinceInception Fund Benchmark
Annualised returns (Fund)
KEY INDICATORS
Equity IndicesOct 31,2011
Sep 30,2011
% Change
Global IndicesOct 31,2011
Sep 30,2011
% Change
Dow jones industrials 11,955 10,913 9.5
Hang seng 19,865 17,592 12.9
Ftse 100 5,544 5,128 8.1
Nikkei 225 stock average 8,988 8,700 3.3
Fixed IncomeYields
Oct 31,2011
Sep 30,2011
% Change
NSE Mibor 8.58% 8.32% 0.26%
5 year G-Sec 8.84% 8.32% 0.52%
5 year AAA 9.66% 9.51% 0.15%
10 year G-Sec 8.88% 8.42% 0.46%
10 year AAA 9.74% 9.56% 0.18%
Equity:NIFTY rallied ~8% for the month of October on theback of Europes comprehensive rescue plan. The net
FII flows for the month stood at a + $0.50bn afterbeing sellers for two months. Domestic institutionswere sellers to the tune of $.53bn, after being buyersfor the last two months. Economic data on thedomestic front continued to be disappointing.Inflation rate continued to be high at 9.72% yoy for themonth of September, while IP growth for the month ofAugust came in at 4.1%. In its October monetarypolicy, RBI further increased policy rates by 25 basispoints and it also guided the future rate hikes wereunlikely. The quarterly results reported in the month ofOctober were mixed as some companies reportedahead of expectations, while others missed. Gainersfor the month included autos, IT and metal stocks.
Outlook:We maintain our neutral view on the markets. Withthe European debt crisis far from being resolved and
concerns on global growth lingering, the markets a relikely to witness fair amount of volatility. On thedomestic front, while RBI has indicated a lowerprobability of further rate hikes, strength in crude andfood prices is likely to keep inflation rate high. Thus,the possibility of interest rates coming down in ahurry is low. Upcoming results as well as stock specificfactors will be the key drivers of performance in thecoming weeks. Sensex valuations 15x FY12E0, whichare higher than historical mean is likely to limit theupside. We continue to believe that Indias long termgrowth story remains intact and offers greatinvestment opportunities.
Fixed Income:In the monetary policy meeting held in October, RBIhiked Repo rate by 0.25% to 8.50%, which was in l ine
with market expectations. CRR remains unchanged at6% and Reverse Repo rate and Marginal StandingFacility (MSF) rate stand automatically adjusted to7.50% and 9.50% respectively. The accompanyingstatement came as a relief for the bond market as RBIsaid that likelihood of a rate action in December midquarter review was relatively low. RBI also added thatif the inflation trajectory headed downwards, furtherrate hikes may not be warranted. RBI projectedinflation to start fal ling by December 2011 and reach7% by March 2012. RBI acknowledged the downsi derisks to domestic growth given the uncertain globalenvironment and hence downwardly revised the GDPfor the current fiscal year to 7.6% from a previous 8%.What may be construed as a landmark in policychange, RBI deregulated the savings rate of banks.This is expected the increase the cost of borrowings ofbanks. The IIP figure for the month of August was
noted at 4.1%. WPI inflation for the month ofSeptember was noted at 9.72%. The Indian Rupeeappreciated to 48.70 against the dollar as on31 October 2011.
Outlook:We remain neutral on the bond market. We believethat inflation has already peaked and that goingforward, inflation should sequentially headsouthwards. Correction in global commodity pricestogether with weaker domestic growth shouldfurther support the bond market. We expect RBI toannounce Open Market Operation (OMO) aroundmid-December 2011. All these factors are expectedto support the bond market. Concerns on fiscalslippage and continued supply of government bondswill keep the upward pressure on yields. Globaldevelopments will continue to play a major role in
shaping the yield movements. We expect Indianrupee to remain range bound against the dollar.
BenchmarkReturns
3yr 5yr
BSE 100 -13.56 22.90 6.85
CRISIL 5.84% 7.00% 5.99%
1yr
GDP Growth Rate
5 year CAGR FY 2010 FY 2011
8.16% 8.00% 8.50%
Economic IndicatorsOct 31,2011
Sep 30,2011
Change
Rs/$ 48.70 48.97 -0.56%
F/X Reserve($ bln) 318.358 312.707 1.81%
Oil 93.19 82.34 13.18%
Gold (Rs./10 gm) 27,201 25,951 4.82%
FII Fund flow (INR mn) 24,691 -11,468 36,159
MF Fund flow (INR mn) -3,617 -7,771 4,154
DII Fund flow (INR mn) -22,953 17,471 -40,423
DII - MF fund flow -19,336 25,242 -44,577
As on October 31, 2011
Equity Market
Oct 2011
Monthly Inflation (WPI) 9.72% 9.78%
Sep 2011
BSE SENSEX 17,705 16,454 7.6
S&P CNX NIFTY (50) 5,327 4,943 7.8
INDIA BSE MIDCAP 6,298 6,130 2.7
CNX MIDCAP INDEX 7,267 7,094 2.4
Debt Market
Linked Pension FundsLinked Life Funds
Find your Fund
*Fund details including Segregated Fund Identification Number (SFIN) provided on subsequent pages
Yield Curve
7%
8%
9%
10%
6m 1y 2y 3y 4y 5y 6y 7y 10y 30y
Maturity
29-Sep 31-OctMovement of Sensex and Nifty
14,500
15,000
15,500
16,000
16,500
17,000
17,500
18,000
4,4004,5004,6004,7004,8004,9005,0005,1005,2005,3005,4005,500
Sensex Nifty
3-Oct
4-Oct
5-Oct
7-Oct
10-Oct
11-Oct
12-Oct
13-Oct
14-Oct
17-Oct
18-Oct
19-Oct
20-Oct
21-Oct
24-Oct
25-Oct
26-Oct
28-Oct
31-Oct
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For full portfolio details please Click Here
Balancer
FUND OBJECTIVETo provide a balance between long-term capital appreciationand current income through investment in equity as well asfixed income instruments in appropriate proportionsdepending on market conditions prevalent from time to time.
BENCHMARK
35% BSE 100&65% CRISIL Composite Bond Index
DATE OF INCEPTION: Nov 15, 2001
RISK PROFILE
Expectedr
et
urn
Risk
PORTFOLIO
AUM (Rs. Million): 18,764.04
Allocation inFund
EQUITY 33.89%DEBT 55.91%OTHER CURRENT ASSET & EQUIVALENT 10.20%TOTAL 100.00%
Asset Allocation
Allocation as a% in Equity
BANK 16.19%METALS & MINERALS 16.09%OIL & GAS 13.99%TECHNOLOGY 10.95%AUTO 10.60%
Top 5 Sectors In Equity
Allocation as a% in Equity
RELIANCE INDUSTRIES LTD. 10.52%H D F C BANK LTD. 8.68%INFOSYS TECHNOLOGIES LTD. 8.45%BHARTI AIRTEL LTD. 8.01%I T C LTD. 6.63%MAHINDRA & MAHINDRA LTD. 6.31%TATA STEEL LTD. 5.44%STATE BANK OF INDIA 5.01%
STERLITE INDUSTRIES (INDIA) LTD. 4.49%JINDAL STEEL & POWER LTD. 3.60%
Top 10 Equity Stocks
Debt Asset Allocation
GOVERNMENT SECURITIES/ T BILLS 10.80%CORPORATE SECURITIES 29.27%
AAA AND EQUIVALENT 19.63%AA+ AND EQUIVALENT 3.09%AA EQUIVALENT AND BELOW 6.55%
CORPORATE MONEY MARKET SECURITIES 0.10%COMMERCIAL PAPER (P1+AND EQUIVALENT) 0.10%CERTIFICATE OF DEPOSIT (P1+ ANDEQUIVALENT) 0.00%
FIXED DEPOSITS WITH BANKS 15.73%
Allocation in Fund
Average Maturity of Debt Portfol io (Months) 41.49Average Maturity of Debt Benchmark (Months) 44.43Yield to Maturity of Debt Portfolio 9.83%
*** Last declared NAV (31-Oct-2011)
PERFORMANCE SUMMARY
As on October 31, 2011
NAV GROWTH
Balancer Benchmark
* calculated with effect from 2-Apr-02, as benchmark did not existbefore this date
ANNUALIZED RETURNS
Balancer Benchmark
FUND SFIN NAV*** Rs.Balancer Fund ULIF 002 22/10/01 LBalancer1 105 34.6Balancer Fund II ULIF 014 17/05/04 LBalancer2 105 23.7Balancer Fund III ULIF 023 13/03/06 LBalancer3 105 16Balancer Fund IV ULIF 039 27/08/07 LBalancer4 105 14.28
Preserver
Flexi Growth
Opportunity
Flexi Balanced
Money Market
Protector Maximiser
RICH
Income
Multi Cap GrowthMulti Cap BalancedDynamic P/E
Balancer
Multiplier
Bluechip
Pinnacle
Linked Pension FundsLinked Life Funds
Indicative Portfolio Allocation
ASSET ALLOCATION
Max (%) Min (%)
Equity & equity related securities 40 0
Debt, Money Market & Cash 100 60
0.00%
2.00%
4.00%
6.00%
8.00%
10.00%
12.00%
14.00%
3 Year 5 Year Since inception*
10.00
12.00
14.00
16.00
18.00
20.00
22.00
24.00
26.00
28.00
30.00
32.00
34.00
36.00
Apr-02 Aug-04 Jan-07 Jun-09 Oct-11
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FUND OBJECTIVETo provide accumulation of income through investment invarious fixed income securities. The fund seeks to providecapital appreciation while maintaining a suitable balancebetween return, safety and liquidity.
Protector
For full portfolio details please
BENCHMARK
CRISIL Composite Bond Index
Equity & equity related securities 0 0
Debt, Money Market & Cash 100 100
ASSET ALLOCATION
RISK PROFILE
Expectedr
eturn
Risk
PORTFOLIO
< 1 year 36.09%1-5 years 37.82%5-7 years 1.77%7-10 years 22.43%> 10 years 1.88%TOTAL 100.00%
Portfolio By Maturity Allocation inFund
Average Maturity of Debt Portfol io (Months) 40.89Average Maturity of Benchmark (Months ) 44.43Yield to Maturity of Debt Portfolio 9.81%
*** Last declared NAV (31-Oct-2011)
Asset Allocation Allocation in Fund
AUM (Rs. Million): 15,969.89
PERFORMANCE SUMMARY
ANNUALIZED RETURNS
Protector Benchmark
As on October 31, 2011
* calculated with effect from 2-Apr-02, as benchmark did not existbefore this date
GOVERNMENT SECURITIES / T BILLS 17.81%CORPORATE SECURITIES 42.98%
AAA AND EQUIVALENT 30.83%AA+ AND EQUIVALENT 4.67%AA EQUIVALENT AND BELOW 7.47%
CORPORATE MONEY MARKET SECURITIES 1.69%COMMERCIAL PAPER (P1+ ANDEQUIVALENT) 1.69%CERTIFICATE OF DEPOSIT (P1+AND EQUIVALENT) 0.00%
FIXED DEPOSITS WITH BANKS 24.15%OTHER CURRENT ASSETS ANDEQUIVALENT 13.37%
TOTAL 100.00%
NAV GROWTH
Protector Benchmark
DATE OF INCEPTION: Nov 15, 2001
FUND SFIN NAV*** Rs.Protector Fund ULIF 003 22/10/01 LProtect1 105 21.0246Protector Fund II ULIF 016 17/05/04 LProtect2 105 16.2712Protector Fund III ULIF 024 13/03/06 LProtect3 105 14.8354Protector Fund IV ULIF 041 27/08/07 LProtect4 105 13.9684
ProtectorBalancer
Linked Pension FundsLinked Life Funds
Preserver
Flexi GrowthFlexi Balanced
Money Market
Maximiser
RICH
Income
Multi Cap GrowthMulti Cap BalancedDynamic P/E
Multiplier
Bluechip
Pinnacle
Opportunity
Indicative Portfolio Allocation Max (%) Min (%)
Click Here
0.00%
1.00%
2.00%
3.00%
4.00%
5.00%
6.00%
7.00%
8.00%
9.00%
3 Year 5 Year Since inception*
10.00
11.00
12.00
13.00
14.00
15.00
16.00
17.00
18.00
19.00
20.00
21.00
22.00
Nov-01 Apr-03 Sep-04 Feb-06 Jul -07 Dec -08 May-10 Oct -11
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*** Last declared NAV (31-Oct-2011)
Maximiser
PORTFOLIO
AUM (Rs. Million): 74,630.54
For full portfolio details please
BANK 17.33%METALS & MINERALS 16.01%OIL & GAS 11.75%TECHNOLOGY 11.24%AUTO 10.70%CONSUMER 7.40%TELECOM 6.67%CEMENT 5.63%FINANCE 3.64%PHARMA & HEALTHCARE 2.39%INFRASTRUCTURE 2.26%CAPITAL GOODS 1.84%EPC 1.16%RETAIL 1.03%OTHERS 0.56%REAL ESTATE 0.40%
Sector AllocationAllocation as a
% in Equity
RELIANCE INDUSTRIES LTD. 9.59%H D F C BANK LTD. 8.99%INFOSYS TECHNOLOGIES LTD. 7.88%I T C LTD. 6.70%BHARTI AIRTEL LTD. 6.67%MAHINDRA & MAHINDRA LTD. 6.44%TATA STEEL LTD. 5.67%STATE BANK OF INDIA 5.38%STERLITE INDUSTRIES (INDIA) LTD. 5.17%JINDAL STEEL & POWER LTD. 4.10%A C C LTD. 3.30%MARUTI SUZUKI INDIA LTD. 3.20%TATA CONSULTANCY SERVICES LTD. 2.84%
SHRIRAM TRANSPORT FINANCE CO. LTD. 2.79%LUPIN LTD. 2.39%POWER GRID CORPN. OF INDIA LTD. 2.08%GRASIM INDUSTRIES LTD. 1.96%AXIS BANK LTD. 1.87%BHARAT HEAVY ELECTRICALS LTD. 1.23%HINDUSTAN ZINC LTD. 1.07%
Top 20 Equity stocks Allocation as a% in Equity
EQUITY 90.93%
DEBT AND OTHER CURRENT ASSETS &EQUIVALENT 9.07%
TOTAL 100.00%
Asset AllocationAllocation in
Fund
PERFORMANCE SUMMARY
ANNUALIZED RETURNS
FUND OBJECTIVETo generate long-term capital appreciation throughinvestment primarily in equity and equity-related instruments.
RISK PROFILE
Expected
retu
rn
Risk
NAV GROWTH
Maximiser BenchmarkMaximiser Benchmark
As on October 31, 2011
BENCHMARK
BSE 100
Equity & equity related securities 100 75
Debt, Money Market & Cash 25 0
ASSET ALLOCATION
DATE OF INCEPTION: Nov 15, 2001
FUND SFIN NAV*** Rs.Maximiser Fund ULIF 001 22/10/01 LMaximis1 105 66Maximiser Fund II ULIF 012 17/05/04 LMaximis2 105 36.98Maximiser Fund III ULIF 022 13/03/06 LMaximis3 105 16.69Maximiser Fund IV ULIF 037 27/08/07 LMaximis4 105 13.17Maximiser Fund V ULIF 114 15/03/11 LMaximis5 105 10.68
Protector MaximiserBalancer
Linked Pension FundsLinked Life Funds
Preserver
Flexi GrowthFlexi Balanced
Money Market
RICH
Income
Multi Cap GrowthMulti Cap BalancedDynamic P/E
Multiplier
Bluechip
Pinnacle
Opportunity
Indicative Portfolio Allocation Max (%) Min (%)
Click Here
0.00%
5.00%
10.00%
15.00%
20.00%
25.00%
3 Year 5 Year Since inception
8.00
16.00
24.00
32.00
40.00
48.00
56.00
64.00
72.00
80.00
Nov-01 Dec-02 Feb-04 Mar-05 Apr-06 May-07 Jul-08 Aug-09 Sep-10 Oct-11
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Average Maturity of Portfolio (Months) 4.62Average Maturity of Debt Benchmark (Months) 2.23Yield to Maturity of Debt Portfolio 9.73%
*** Last declared NAV (31-Oct-2011)
Debt
Portfolio by Maturity Allocation inFund
< 1 year 92.44%
1-5 years 7.56%5-7 years 0.00%
7-10 years 0.00%> 10 years 0.00%TOTAL 100.00%
Preserver
FUND OBJECTIVETo provide suitable returns through low risk investments indebt and money market instruments while attempting toprotect the capital deployed in the fund.
PERFORMANCE SUMMARY
PORTFOLIO
AUM (Rs. Million): 3,855.03
Asset Allocation Allocation in Fund
GOVERNMENT SECURITIES/ T BILLS 0.00%CORPORATE SECURITIES 3.87%
AAA AND EQUIVALENT 3.46%AA+ AND EQUIVALENT 0.41%AA EQUIVALENT AND BELOW 0.00%
CORPORATE MONEY MARKET SECURITIES 57.64%COMMERCIAL PAPER (P1+ ANDEQUIVALENT) 57.64%
CERTIFICATE OF DEPOSIT (P1+ ANDEQUIVALENT) 0.00%
FIXED DEPOSITS WITH BANKS 32.72%OTHER CURRENT ASSETS AND EQUIVALENT 5.77%
TOTAL 100.00%
For full portfolio details please
RISK PROFILE
Risk
Expectedr
eturn
As on October 31, 2011
NAV GROWTH
Preserver Benchmark
ANNUALIZED RETURNS
Preserver Benchmark
Equity & equity related securities 0 0
Debt instruments 50 0
Money Market & Cash 100 50
ASSET ALLOCATION
BENCHMARK
CRISIL Liquid Index
DATE OF INCEPTION: June 28, 2004
FUND SFIN NAV*** Rs.Preserver Fund ULIF 010 17/05/04 LPreserv1 105 17.2701Preserver Fund III ULIF 021 13/03/06 LPreserv3 105 15.5075Preserver Fund IV ULIF 036 27/08/07 LPreserv4 105 13.9376
PreserverBalancer
Linked Pension FundsLinked Life Funds
Flexi GrowthFlexi Balanced
Money Market
Protector Maximiser
RICH
Income
Multi Cap GrowthMulti Cap BalancedDynamic P/E
Multiplier
Bluechip
Pinnacle
Opportunity
Indicative Portfolio Allocation Max (%) Min (%)
Click Here
0.00%
2.00%
4.00%
6.00%
8.00%
10.00%
3 Year 5 Year Since inception
10.00
11.00
12.00
13.00
14.00
15.00
16.00
17.00
18.00
Jun-04 Mar-05 Jan-06 Nov-06 Sep-07 Jul-08 May-09 Mar-10 Dec-10 Oct-11
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BANK 19.14%OIL & GAS 18.90%
TECHNOLOGY 12.40%AUTO 9.85%METALS & MINERALS 8.58%CONSUMER 7.97%INFRASTRUCTURE 6.48%TELECOM 4.46%CEMENT 3.33%OTHERS 2.38%FINANCE 2.01%MEDIA 1.57%PHARMA & HEALTHCARE 1.38%EPC 1.01%CAPITAL GOODS 0.54%
Sector AllocationAllocation as a
% in Equity
INFOSYS TECHNOLOGIES LTD. 9.83%MAHINDRA & MAHINDRA LTD. 7.81%H D F C BANK LTD. 7.70%I T C LTD. 7.15%RELIANCE INDUSTRIES LTD. 7.03%OIL & NATURAL GAS CORPN. LTD. 4.85%BHARTI AIRTEL LTD. 4.46%AXIS BANK LTD. 4.16%STATE BANK OF INDIA 3.52%GRASIM INDUSTRIES LTD. 2.87%N T P C LTD. 2.86%GAIL (INDIA) LTD. 2.79%POWER GRID CORPN. OF INDIA LTD. 2.60%TATA CONSULTANCY SERVICES LTD. 2.57%STERLITE INDUSTRIES (INDIA) LTD. 1.88%
JINDAL STEEL & POWER LTD. 1.81%ASHOK LEYLAND LTD. 1.72%BHARAT PETROLEUM CORPN. LTD. 1.63%JAGRAN PRAKASHAN LTD. 1.57%SHRIRAM TRANSPORT FINANCE CO. LTD. 1.55%
Top 20 Equity StocksAllocation as a
% in Equity
Multiplier
PERFORMANCE SUMMARY
ANNUALIZED RETURNS
PORTFOLIO
AUM (Rs. Million): 19,625.28
Allocation inFund
EQUITY 94.12%DEBT AND OTHER CURRENT ASSET & EQUIVALENT 5.88%TOTAL 100.00%
Asset Allocation
FUND OBJECTIVETo provide long-term capital appreciation from equityportfolio predominantly invested in NIFTY scrips.
BENCHMARK
S&P CNX Nifty
Equity & equity related securities 100 80
Debt, Money Market & Cash 20 0
ASSET ALLOCATION
For full portfolio details please
*** Last declared NAV (31-Oct-2011)
RISK PROFILE
Risk
Expectedr
eturn
NAV GROWTH
Multiplier Benchmark Multiplier Benchmark
As on October 31, 2011
DATE OF INCEPTION: Nov 26, 2007
FUND SFIN NAV*** Rs.Multipl ier Fund ULIF 042 22/11/07 LMultip1 105 9.94Multiplier Fund II ULIF 044 25/02/08 LMultip2 105 11.29Multiplier Fund III ULIF 046 25/02/08 LMultip3 105 10.95Multiplier Fund IV ULIF 047 25/02/08 LMultip4 105 11.26
Multiplier
Balancer
Linked Pension FundsLinked Life Funds
Preserver
Flexi GrowthFlexi Balanced
Money Market
Protector Maximiser
RICH
Income
Multi Cap GrowthMulti Cap BalancedDynamic P/E
Bluechip
Pinnacle
Opportunity
Indicative Portfolio Allocation Max (%) Min (%)
Click Here
-15.00%
-10.00%
-5.00%
0.00%
5.00%
10.00%
15.00%
20.00%
25.00%
1 Year 3 Year Since inception
-0.15
4.00
5.00
6.00
7.00
8.00
9.00
10.00
11.00
12.00
Nov-07 Sep-08 Jun-09 Apr-10 Jan-11 Oct-11
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*** Last declared NAV (31-Oct-2011)
RICH
FUND OBJECTIVETo generate superior long-term returns from a diversifiedportfolio of equity and equity related instruments ofcompanies operating in four important types of industries,viz., Resources, Investment-related, Consumption-related andHuman Capital leveraged industries.
PERFORMANCE SUMMARY
ANNUALIZED RETURNS
PORTFOLIO
AUM (Rs. Million): 28,903.70
Allocation inFund
EQUITY 96.90%DEBT AND OTHER CURRENT ASSET & EQUIVALENT 3.10%TOTAL 100.00%
Asset Allocation
BANK 21.73%OIL & GAS 15.78%
TECHNOLOGY 9.99%CONSUMER 7.72%AUTO 7.27%TELECOM 5.96%METALS & MINERALS 5.63%INFRASTRUCTURE 5.61%PHARMA & HEALTHCARE 5.10%FINANCE 4.18%CAPITAL GOODS 3.25%CEMENT 2.55%EPC 2.21%OTHERS 1.45%RETAIL 0.74%REAL ESTATE 0.51%MEDIA 0.31%
Sector AllocationAllocation as a
% in Equity
RELIANCE INDUSTRIES LTD. 7.73%INFOSYS TECHNOLOGIES LTD. 6.96%I T C LTD. 6.86%BHARTI AIRTEL LTD. 5.32%AXIS BANK LTD. 4.41%PUNJAB NATIONAL BANK 3.61%MAHINDRA & MAHINDRA LTD. 3.15%H D F C BANK LTD. 3.11%BANK OF BARODA 3.10%OIL & NATURAL GAS CORPN. LTD. 3.06%N T P C LTD. 2.31%TATA MOTORS LTD. 2.15%HOUSING DEVELOPMENT FINANCE CORPN. LTD 2.05%TATA CONSULTANCY SERVICES LTD. 1.90%DR. REDDY'S LABORATORIES LTD. 1.80%GAIL (INDIA) LTD. 1.80%BHARAT HEAVY ELECTRICALS LTD. 1.73%TATA POWER CO. LTD. 1.73%TATA STEEL LTD. 1.68%BHARAT PETROLEUM CORPN. LTD. 1.65%
Top 20 Equity Stocks Allocation as a% in Equity
For full portfolio details please
Equity & equity related securities 100 80
Debt, Money Market & Cash 20 0
ASSET ALLOCATION
BENCHMARK
BSE 100
RISK PROFILE
Expectedr
e
turn
Risk
ANNUALIZED RETURNS NAV GROWTH
RICH Benchmark RICH Benchmark
As on October 31, 2011
DATE OF INCEPTION: Mar 17, 2008
FUND SFIN NAV*** Rs.R.I.C.H. Fund ULIF 048 17/03/08 LRICH1 105 12.66R.I.C.H. Fund I I UL IF 049 17 /03/08 LRICH2 105 13.05R.I.C.H. Fund III UL IF 050 17 /03/08 LR ICH3 105 12.68R.I.C.H. Fund IV ULIF 051 17 /03/08 LR ICH4 105 13.04
RICH
Balancer
Linked Pension FundsLinked Life Funds
Preserver
Flexi GrowthFlexi Balanced
Money Market
Protector Maximiser
Income
Multi Cap GrowthMulti Cap BalancedDynamic P/E
Multiplier
Bluechip
Pinnacle
Opportunity
Indicative Portfolio Allocation Max (%) Min (%)
Click Here
-20.00%
-10.00%
0.00%
10.00%
20.00%
30.00%
1 Year 3 Year Since inception
5.00
6.00
7.00
8.00
9.00
10.00
11.00
12.00
13.00
14.00
15.00
16.00
Mar-08 Jul-08 Dec-08 Apr-09 Aug-09 Jan-10 May-10 Sep-10 Feb-11 Jun-11 Oct-11
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BANK 20.89%OIL & GAS 12.67%METALS & MINERALS 11.07%TECHNOLOGY 10.47%CONSUMER 9.80%
Top 5 SectorsIn Equity
RELIANCE INDUSTRIES LTD. 6.47%I T C LTD. 6.10%INFOSYS TECHNOLOGIES LTD. 5.43%BHARTI AIRTEL LTD. 4.38%BANK OF BARODA 4.09%TATA CONSULTANCY SERVICES LTD. 3.70%TATA STEEL LTD. 3.36%STATE BANK OF INDIA 3.27%
AXIS BANK LTD. 3.26%PUNJAB NATIONAL BANK 2.95%
Top 10 Equity Stocks
GOVERNMENT SECURITIES/ T BILLS 7.73%CORPORATE SECURITIES 18.99%
AAA AND EQUIVALENT 12.79%AA+ AND EQUIVALENT 1.98%AA EQUIVALENT AND BELOW 4.22%
CORPORATE MONEY MARKET SECURITIES 0.07%
COMMERCIAL PAPER (P1+ ANDEQUIVALENT) 0.07%CERTIFICATE OF DEPOSIT (P1+ ANDEQUIVALENT) 0.00%
FIXED DEPOSITS WITH BANKS 12.26%
Allocation in FundDebt Asset Allocation
Average Maturity of Debt Portfolio (Months) 43.76Average Maturity of Debt Benchmark (Months) 44.43Yield to Maturity of Debt Portfolio 9.83%
*** Last declared NAV (31-Oct-2011)
Allocation inFund
Flexi Balanced
FUND OBJECTIVETo achieve a balance between capital appreciation and stablereturns by investing in a mix of equity and equity relatedinstruments of large, mid and small cap companies and debtand debt related instruments.
For full portfolio details please
PERFORMANCE SUMMARY
ANNUALIZED RETURNS
Equity & equity related securities 60 0
Debt, Money Market & Cash 100 40
ASSET ALLOCATION
BENCHMARK
55% CNX 500 & 45% CRISIL Composite Bond Index
PORTFOLIO
AUM (Rs. Million): 2,496.03
Asset Allocation
Allocation as a% in Equity
Allocation as a% in Equity
EQUITY 53.32%DEBT 39.05%OTHER CURRENT ASSET & EQUIVALENT 7.63%TOTAL 100.00%RISK PROFILE
Risk
Expectedre
turn
Flexi Balanced Benchmark
NAV GROWTH
Flexi Balanced Benchmark
As on October 31, 2011
Flexi Balanced
Balancer
Linked Pension FundsLinked Life Funds
DATE OF INCEPTION: Mar 20, 2007
FUND SFIN NAV*** Rs.Flexi Balanced Fund ULIF 031 20/03/07 LFlexiBal1 105 13.55Flexi Balanced Fund II ULIF 032 20/03/07 LFlexiBal2 105 14.51Flexi Balanced Fund III ULIF 033 20/03/07 LFlexiBal3 105 13.42Flexi Balanced Fund IV ULIF 040 27/08/07 LFlexiBal4 105 12.85
Preserver
Flexi Growth
Money Market
Protector Maximiser
RICH
Income
Multi Cap GrowthMulti Cap BalancedDynamic P/E
Multiplier
Bluechip
Pinnacle
Opportunity
Indicative Portfolio Allocation Max (%) Min (%)
Click Here
-10.00%
-5.00%
0.00%
5.00%
10.00%
15.00%
20.00%
1 Year 3 Year Since inception8.00
9.00
10.00
11.00
12.00
13.00
14.00
15.00
16.00
Mar-07 Dec-07 Oct-08 Jul-09 Apr-10 Jan-11 Oct-11
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10/40
BANK 18.07%OIL & GAS 16.00%
TECHNOLOGY 11.70%CONSUMER 9.33%INFRASTRUCTURE 8.36%AUTO 7.84%METALS & MINERALS 7.32%TELECOM 4.28%PHARMA & HEALTHCARE 4.11%CEMENT 3.72%FINANCE 2.95%OTHERS 2.65%CAPITAL GOODS 2.50%EPC 0.87%MEDIA 0.30%
Sector Allocation
H D F C BANK LTD. 7.26%INFOSYS TECHNOLOGIES LTD. 6.69%MAHINDRA & MAHINDRA LTD. 6.47%OIL & NATURAL GAS CORPN. LTD. 4.99%AXIS BANK LTD. 4.77%I T C LTD. 4.49%N T P C LTD. 3.80%RELIANCE INDUSTRIES LTD. 3.62%BHARTI AIRTEL LTD. 3.56%LUPIN LTD. 3.10%GRASIM INDUSTRIES LTD. 2.75%KANSAI NEROLAC PAINTS LTD. 2.70%GAIL (INDIA) LTD. 2.64%POWER GRID CORPN. OF INDIA LTD. 2.44%BANK OF BARODA 2.10%
STATE BANK OF INDIA 2.06%BHARAT PETROLEUM CORPN. LTD. 1.65%TATA CHEMICALS LTD. 1.62%TATA CONSULTANCY SERVICES LTD. 1.55%STERLITE INDUSTRIES (INDIA) LTD. 1.49%
Flexi Growth
FUND OBJECTIVETo generate superior long-term returns from a diversifiedportfolio of equity and equity related instruments of large,mid and small cap companies.
Equity & equity related securities 100 80
Debt, Money Market & Cash 20 0
ASSET ALLOCATION
BENCHMARK
S&P CNX 500
PERFORMANCE SUMMARY
ANNUALIZED RETURNS
For full portfolio details please
PORTFOLIO
AUM (Rs. Million): 58,252.63
Allocation inFund
EQUITY 91.36%DEBT AND OTHER CURRENT ASSET & EQUIVALENT 8.64%TOTAL 100.00%
Asset Allocation
Top 20 Equity StocksAllocation as a
% in Equity
Allocation as a% in Equity
*** Last declared NAV (31-Oct-2011)
RISK PROFILE
Risk
Expectedr
et
urn
NAV GROWTH
Flexi Growth Benchmark Flexi Growth Benchmark
As on October 31, 2011
Flexi Growth
Balancer
Linked Pension FundsLinked Life Funds
DATE OF INCEPTION: Mar 20, 2007
FUND SFIN NAV*** Rs.Flexi Growth Fund ULIF 026 20/03/07 LFlexiGro1 105 14.26Flexi Growth Fund II ULIF 027 20/03/07 LFlexiGro2 105 14.75Flexi Growth Fund III ULIF 028 20/03/07 LFlexiGro3 105 14.21Flexi Growth Fund IV ULIF 038 27/08/07 LFlexiGro4 105 12.62
Preserver
Flexi Balanced
Money Market
Protector Maximiser
RICH
Income
Multi Cap GrowthMulti Cap BalancedDynamic P/E
Multiplier
Bluechip
Pinnacle
Opportunity
Indicative Portfolio Allocation Max (%) Min (%)
Click Here
-20.00%
-10.00%
0.00%
10.00%
20.00%
30.00%
1 Year 3 Year Since inception6.00
7.00
8.00
9.00
10.00
11.00
12.00
13.00
14.00
15.00
16.00
17.00
18.00
19.00
Mar-07 Dec-07 Oct-08 Jul-09 Apr-10 J an-11 Oct-11
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BANK 23.76%TECHNOLOGY 15.97%
OIL & GAS 12.18%FINANCE 9.27%CONSUMER 8.86%METALS & MINERALS 7.95%TELECOM 5.48%EPC 4.57%AUTO 4.12%CEMENT 4.07%RETAIL 1.19%INFRASTRUCTURE 1.09%OTHERS 1.09%PHARMA & HEALTHCARE 0.41%CAPITAL GOODS 0.00%
Sector Allocation
INFOSYS TECHNOLOGIES LTD. 9.26%RELIANCE INDUSTRIES LTD. 9.21%I T C LTD. 8.86%HOUSING DEVELOPMENT FINANCE CORPN. LTD 5.75%INDUSIND BANK LTD. 4.85%BHARTI AIRTEL LTD. 4.75%LARSEN & TOUBRO LTD. 4.57%TATA CONSULTANCY SERVICES LTD. 4.54%BANK OF BARODA 4.38%AXIS BANK LTD. 4.00%PUNJAB NATIONAL BANK 3.77%ALLAHABAD BANK 3.12%H D F C BANK LTD. 2.82%TATA STEEL LTD. 2.80%JINDAL STEEL & POWER LTD. 2.32%
TATA MOTORS LTD. 2.20%A C C LTD. 2.08%POWER FINANCE CORPN. LTD. 2.07%GAIL (INDIA) LTD. 1.63%HINDALCO INDUSTRIES LTD. 1.60%
Bluechip
FUND OBJECTIVETo provide long-term capital appreciation from equityportfolio predominantly invested in large cap stocks.
Equity & equity related securities 100 80
Debt, Money Market & Cash 20 0
ASSET ALLOCATION
BENCHMARK
Nifty
PERFORMANCE SUMMARY
ANNUALIZED RETURNS
For full portfolio details please
PORTFOLIO
AUM (Rs. Million): 787.81
Allocation inFund
EQUITY 97.30%DEBT AND OTHER CURRENT ASSET & EQUIVALENT 2.70%TOTAL 100.00%
Asset Allocation
Top 20 Equity StocksAllocation as a
% in Equity
Allocation as a% in Equity
*** Last declared NAV (31-Oct-2011)
RISK PROFILE
Risk
Expected
return
NAV GROWTH
Bluechip Benchmark Bluechip Benchmark
As on October 31, 2011
Bluechip
Balancer
Linked Pension FundsLinked Life Funds
DATE OF INCEPTION: Nov 24, 2009
FUND SFIN NAV*** Rs.Blue Chip Fund ULIF 087 24/11/09 LBluChip 105 10.14
Preserver
Flexi GrowthFlexi Balanced
Money Market
Protector Maximiser
RICH
Income
Multi Cap GrowthMulti Cap BalancedDynamic P/E
Multiplier
Pinnacle
Opportunity
Indicative Portfolio Allocation Max (%) Min (%)
Click Here
-15.00%
-10.00%
-5.00%
0.00%
5.00%
1 Year Since inception
0.72%
9.00
10.00
11.00
12.00
13.00
Nov-09 May-10 Nov-10 May-11 Oct-11
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12/40
Income
FUND OBJECTIVETo provide accumulation of income through investment invarious fixed income securities. The Fund seeks to providecapital appreciation while maintaining a suitable balancebetween return, safety and liquidity.
Debt Instruments, Money Market & Cash 100 100
ASSET ALLOCATION
BENCHMARK
CRISIL Composite Bond Index
PERFORMANCE SUMMARY
ANNUALIZED RETURNS
For full portfolio details please
PORTFOLIO
AUM (Rs. Million): 2,301.86
NAV GROWTH
Income Benchmark Income Benchmark
As on October 31, 2011
Income
Balancer
Linked Pension FundsLinked Life Funds
Average Maturity of Portfolio (Months) 34.30
Yield to Maturity of Debt Portfolio 9.74%
*** Last declared NAV (31-Oct-2011)
Debt
Portfolio by Maturity Allocation inFund
< 1 year 48.70%
1-5 years 30.62%5-7 years 1.43%
7-10 years 17.85%> 10 years 1.40%TOTAL 100.00%
Asset Allocation Allocation in Fund
GOVERNMENT SECURITIES/ T BILLS 13.86%CORPORATE SECURITIES 35.50%
AAA AND EQUIVALENT 24.12%AA+ AND EQUIVALENT 2.35%AA EQUIVALENT AND BELOW 9.03%
CORPORATE MONEY MARKET SECURITIES 16.55%COMMERCIAL PAPER (P1+ ANDEQUIVALENT) 16.55%
CERTIFICATE OF DEPOSIT (P1+ ANDEQUIVALENT) 0.00%
FIXED DEPOSITS WITH BANKS 14.10%OTHER CURRENT ASSETS AND EQUIVALENT 19.99%
TOTAL 100.00%
RISK PROFILE
Risk
Expectedr
et
urn
DATE OF INCEPTION: Nov 24, 2009
FUND SFIN NAV*** Rs.Income Fund ULIF 089 24/11/09 LIncome 105 11.3353
Preserver
Flexi GrowthFlexi Balanced
Money Market
Protector Maximiser
RICH
Multi Cap GrowthMulti Cap BalancedDynamic P/E
Multiplier
Bluechip
Pinnacle
Opportunity
Indicative Portfolio Allocation Max (%) Min (%)
Click Here
0.00%
1.00%
2.00%
3.00%
4.00%
5.00%
6.00%
7.00%
8.00%
1 Year Since inception
9.50
9.75
10.00
10.25
10.50
10.75
11.00
11.25
11.50
Nov-09 May-10 Nov-10 May-11 Oct-11
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13/40
Money Market
FUND OBJECTIVETo provide suitable returns through low risk investments indebt and money market instruments while attempting toprotect the capital deployed in the Fund.
PERFORMANCE SUMMARY
ANNUALIZED RETURNS
For full portfolio details please
PORTFOLIO
AUM (Rs. Million): 916.43
NAV GROWTH
Money Market Benchmark Money Market Benchmark
As on October 31, 2011
Balancer
Money Market
Debt Instruments 50 0
Money Market & Cash 100 50
ASSET ALLOCATION
BENCHMARK
CRISIL Liquid Index
Linked Pension FundsLinked Life Funds
Average Maturity of Portfolio (Months) 4.61
Average Maturity Of Debt Benchmark (months) 2.23Yield to Maturity of Debt Portfolio 9.79%
*** Last declared NAV (31-Oct-2011)
Debt
Portfolio by Maturity Allocation inFund
< 1 year 92.54%
1-5 years 7.46%5-7 years 0.00%
7-10 years 0.00%> 10 years 0.00%TOTAL 100.00%
Asset Allocation Allocation in Fund
GOVERNMENT SECURITIES/ T BILLS 0.00%CORPORATE SECURITIES 3.25%
AAA AND EQUIVALENT 3.25%AA+ AND EQUIVALENT 0.00%AA EQUIVALENT AND BELOW 0.00%
CORPORATE MONEY MARKET SECURITIES 59.87%COMMERCIAL PAPER (P1+ ANDEQUIVALENT) 59.87%
CERTIFICATE OF DEPOSIT (P1+ ANDEQUIVALENT) 0.00%
FIXED DEPOSITS WITH BANKS 29.66%OTHER CURRENT ASSETS AND EQUIVALENT 7.22%
TOTAL 100.00%
RISK PROFILE
Risk
Expectedr
et
urn
DATE OF INCEPTION: Nov 24, 2009
FUND SFIN NAV*** Rs.Money Market Fund ULIF 090 24/11/09 LMoneyMkt 105 11.3996
Preserver
Flexi GrowthFlexi Balanced
Protector Maximiser
RICH
Income
Multi Cap GrowthMulti Cap BalancedDynamic P/E
Multiplier
Bluechip
Pinnacle
Opportunity
Indicative Portfolio Allocation Max (%) Min (%)
Click Here
0.00%
2.00%
4.00%
6.00%
8.00%
10.00%
1 Year Since inception
10.00
10.25
10.50
10.75
11.00
11.25
11.50
Nov-09 Jul-10 Mar-11 Oct-11
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14/40
BANK 14.24%OIL & GAS 13.77%TECHNOLOGY 13.02%METALS & MINERALS 10.78%CONSUMER 10.00%FINANCE 5.60%INFRASTRUCTURE 5.30%AUTO 4.98%TELECOM 4.65%EPC 4.21%OTHERS 3.81%CEMENT 3.49%CAPITAL GOODS 2.51%MEDIA 1.46%PHARMA & HEALTHCARE 1.12%REAL ESTATE 1.00%RETAIL 0.05%
Sector Allocation
INFOSYS TECHNOLOGIES LTD. 8.92%I T C LTD. 8.73%H D F C BANK LTD. 6.52%RELIANCE INDUSTRIES LTD. 5.62%BHARTI AIRTEL LTD. 4.38%TATA STEEL LTD. 4.36%TATA CONSULTANCY SERVICES LTD. 4.11%HOUSING DEVELOPMENT FINANCE CORPN. LTD 3.85%BANK OF BARODA 2.74%CAIRN INDIA LTD. 2.58%AXIS BANK LTD. 2.39%OIL & NATURAL GAS CORPN. LTD. 2.28%MAHINDRA & MAHINDRA LTD. 1.97%
A C C LTD. 1.93%STATE BANK OF INDIA 1.88%STERLITE INDUSTRIES (INDIA) LTD. 1.75%GAIL (INDIA) LTD. 1.59%GRASIM INDUSTRIES LTD. 1.56%JINDAL STEEL & POWER LTD. 1.52%BHARAT HEAVY ELECTRICALS LTD. 1.47%
Opportunity
FUND OBJECTIVETo generate superior long-term returns from a diversifiedportfolio of equity and equity related instruments ofcompanies operating in four important types of industries viz.,Resources, Investment-related, Consumption-related andHuman Capital leveraged industries.
BENCHMARK
BSE 200
PERFORMANCE SUMMARY
ANNUALIZED RETURNS
For full portfolio details please
PORTFOLIO
AUM (Rs. Million): 1,723.55
Allocation inFund
EQUITY 82.44%DEBT AND OTHER CURRENT ASSET & EQUIVALENT 17.56%TOTAL 100.00%
Asset Allocation
Top 20 Equity Stocks Allocation as a% in Equity
Allocation as a% in Equity
*** Last declared NAV (31-Oct-2011)
RISK PROFILE
Risk
Expectedreturn
NAV GROWTH
Opportunity Benchmark Opportunity Benchmark
As on October 31, 2011
Balancer
Opportunity
Linked Pension FundsLinked Life Funds
DATE OF INCEPTION: Nov 24, 2009
FUND SFIN NAV*** Rs.Opportunity Fund ULIF 086 24/11/09 LOpport 105 10.6
Preserver
Flexi GrowthFlexi Balanced
Money Market
Protector Maximiser
RICH
Income
Multi Cap GrowthMulti Cap BalancedDynamic P/E
Multiplier
Bluechip
Pinnacle
Equity & equity related securities 100 80
Debt, Money Market & Cash 20 0
ASSET ALLOCATION
Indicative Portfolio Allocation Max (%) Min (%)
Click Here
-20.00%
-15.00%
-10.00%
-5.00%
0.00%
5.00%
1 Year Since inception
9.00
10.00
11.00
12.00
13.00
Nov-09 Jul-10 Mar-11 Oct-11
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15/40
Dynamic P/E
FUND OBJECTIVETo provide long term capital appreciation through dynamicasset allocation between equity and debt. The allocation inequity and equity related securities is determined by reference
1to the P/E multiple of a basket of 50 large cap stocks ; theremainder is to be invested in debt instruments, moneymarket and cash.
BENCHMARK
NIFTY- 75%MIBEX - 25%
PERFORMANCE SUMMARY
ANNUALIZED RETURNS
For full portfolio details please
PORTFOLIO
AUM (Rs. Million): 10,786.65
RISK PROFILE
Risk
Expectedreturn
NAV GROWTH
Dynamic P/E Benchmark Dynamic P/E Benchmark
As on October 31, 2011
Dynamic P/E
Balancer
Linked Pension FundsLinked Life Funds
Allocation inFund
EQUITY 93.77%DEBT 3.31%OTHER CURRENT ASSET & EQUIVALENT 2.92%TOTAL 100.00%
Asset Allocation
BANK 18.11%TECHNOLOGY 14.47%OIL & GAS 13.83%CONSUMER 9.06%AUTO 8.54%
Top 5 SectorsIn Equity
INFOSYS TECHNOLOGIES LTD. 9.01%RELIANCE INDUSTRIES LTD. 8.91%H D F C BANK LTD. 7.65%I T C LTD. 6.75%HOUSING DEVELOPMENT FINANCE CORPN. LTD 6.18%LARSEN & TOUBRO LTD. 4.70%STATE BANK OF INDIA 4.69%TATA CONSULTANCY SERVICES LTD. 3.50%
BHARTI AIRTEL LTD. 2.86%AXIS BANK LTD. 2.76%
Top 10 Equity Stocks
GOVERNMENT SECURITIES/ T BILLS 3.29%CORPORATE SECURITIES 0.01%
AAA AND EQUIVALENT 0.00%AA+ AND EQUIVALENT 0.01%AA EQUIVALENT AND BELOW 0.00%
CORPORATE MONEY MARKET SECURITIES 0.00%
COMMERCIAL PAPER (P1+ ANDEQUIVALENT) 0.00%CERTIFICATE OF DEPOSIT (P1+ ANDEQUIVALENT) 0.00%
FIXED DEPOSITS WITH BANKS 0.00%
Allocation in FundDebt Asset Allocation
Average Maturity Of Debt Portfolio (months) 71.40Yield To Maturity Of Debt Portfolio 8.87%
*** Last declared NAV (31-Oct-2011)
Allocation as a% in Equity
Allocation as a% in Equity
DATE OF INCEPTION: Jan 11, 2010
FUND SFIN NAV*** Rs.Dynamic P/E Fund ULIF 097 11/01/10 LDynmicPE 105 10.78
Preserver
Flexi GrowthFlexi Balanced
Money Market
Protector Maximiser
RICH
Income
Multi Cap GrowthMulti Cap Balanced
Multiplier
Bluechip
Pinnacle
Opportunity
Debt Instruments and Derivaties 100 0 %
Equity and Equity related securities 100 0 %
ASSET ALLOCATION
Indicative Portfolio Allocation Max (%) Min (%)
Click Here
-10.00%
-8.00%
-6.00%
-4.00%
-2.00%
0.00%
2.00%
4.00%
6.00%
1 Year Since inception
9.00
9.50
10.00
10.50
11.00
11.50
12.00
12.50
Jan-10 May-10 Sep-10 Feb-11 Jun-11 Oct-11
1Source: Based on prices and consensus earnings estimates from Bloomberg.
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Multi Cap Balanced
FUND OBJECTIVETo achieve a balance between capital appreciation and stablereturns by investing in a mix of equity and equity relatedinstruments of large, mid and small cap companies and debtand debt related instruments.
Equity & Equity Related Securities 60 0
Debt, Money Market & Cash 100 40
ASSET ALLOCATION
BENCHMARK
CNX 500 - 55%CRISIL - 45%
PERFORMANCE SUMMARY
ANNUALIZED RETURNS
For full portfolio details please
PORTFOLIO
AUM (Rs. Million): 709.72
NAV GROWTH
Multi Cap Balanced Benchmark Multi Cap Balanced Benchmark
As on October 31, 2011
Multi Cap Balanced
Balancer
Linked Pension FundsLinked Life Funds
Allocation inFund
EQUITY 52.99%DEBT 30.66%OTHER CURRENT ASSET & EQUIVALENT 16.35%TOTAL 100.00%
Asset Allocation
BANK 20.40%OIL & GAS 10.75%METALS & MINERALS 9.69%TECHNOLOGY 9.37%CONSUMER 8.11%
Top 5 SectorsIn Equity
I T C LTD. 6.18%RELIANCE INDUSTRIES LTD. 5.81%INFOSYS TECHNOLOGIES LTD. 5.67%BHARTI AIRTEL LTD. 4.52%AXIS BANK LTD. 3.49%HOUSING DEVELOPMENT FINANCE CORPN. LTD 3.14%STATE BANK OF INDIA 3.12%BANK OF BARODA 3.11%
TATA STEEL LTD. 3.06%TATA CONSULTANCY SERVICES LTD. 2.89%
Top 10 Equity Stocks
GOVERNMENT SECURITIES/ T BILLS 7.28%CORPORATE SECURITIES 8.76%
AAA AND EQUIVALENT 6.47%AA+ AND EQUIVALENT 0.84%AA EQUIVALENT AND BELOW 1.45%
CORPORATE MONEY MARKET SECURITIES 6.98%
COMMERCIAL PAPER (P1+ ANDEQUIVALENT) 6.98%CERTIFICATE OF DEPOSIT (P1+ ANDEQUIVALENT) 0.00%
FIXED DEPOSITS WITH BANKS 7.65%
Allocation in FundDebt Asset Allocation
Average Maturity Of Debt Portfolio (months) 42.67Average Maturity Of Debt Benchmark (months) 44.43Yield To Maturity Of Debt Portfolio 9.67%
*** Last declared NAV (31-Oct-2011)
Allocation as a% in Equity
Allocation as a% in Equity
RISK PROFILE
Expectedre
turn
Risk
DATE OF INCEPTION: Nov 24, 2009
FUND SFIN NAV*** Rs.Multi Cap Balanced Fund ULIF 088 24/11/09 LMCapBal 105 10.5
Preserver
Flexi GrowthFlexi Balanced
Money Market
Protector Maximiser
RICH
Income
Multi Cap GrowthDynamic P/E
Multiplier
Bluechip
Pinnacle
Opportunity
Indicative Portfolio Allocation Max (%) Min (%)
Click Here
-6.00%
-4.00%
-2.00%
0.00%
2.00%
4.00%
1 Year Since inception
9.50
10.00
10.50
11.00
11.50
12.00
Nov-09 Nov-10 Oct-11
Li k d P i F dLi k d Lif F d
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BANK 20.13%OIL & GAS 18.61%
TECHNOLOGY 10.88%METALS & MINERALS 8.71%AUTO 6.79%INFRASTRUCTURE 6.33%CONSUMER 5.99%TELECOM 4.34%OTHERS 4.32%CEMENT 4.25%PHARMA & HEALTHCARE 3.42%FINANCE 3.10%CAPITAL GOODS 1.71%EPC 0.84%REAL ESTATE 0.46%MEDIA 0.13%
Sector Allocation
INFOSYS TECHNOLOGIES LTD. 7.41%H D F C BANK LTD. 5.12%OIL & NATURAL GAS CORPN. LTD. 5.04%I T C LTD. 4.54%MAHINDRA & MAHINDRA LTD. 4.52%BHARTI AIRTEL LTD. 4.34%GRASIM INDUSTRIES LTD. 4.25%AXIS BANK LTD. 4.23%RELIANCE INDUSTRIES LTD. 3.93%GAIL (INDIA) LTD. 3.67%STATE BANK OF INDIA 3.05%N T P C LTD. 3.04%TATA CHEMICALS LTD. 2.53%TATA CONSULTANCY SERVICES LTD. 2.48%
TATA STEEL LTD. 2.35%INDUSIND BANK LTD. 2.27%HOUSING DEVELOPMENT FINANCE CORPN. LTD 2.24%JINDAL STEEL & POWER LTD. 2.17%COAL INDIA LTD. 2.16%CAIRN INDIA LTD. 2.02%
Multi Cap Growth
FUND OBJECTIVETo generate superior long-term returns from a diversifiedportfolio of equity and equity related instruments of large,mid and small cap companies.
BENCHMARK
CNX 500
PERFORMANCE SUMMARY
ANNUALIZED RETURNS
For full portfolio details please
PORTFOLIO
AUM (Rs. Million): 6,528.70
Allocation inFund
EQUITY 82.31%DEBT AND OTHER CURRENT ASSET & EQUIVALENT 17.69%TOTAL 100.00%
Asset Allocation
Top 20 Equity Stocks
Allocation as a
% in Equity
Allocation as a% in Equity
*** Last declared NAV (31-Oct-2011)
RISK PROFILE
Risk
Expected
return
NAV GROWTH
Multi Cap Growth Benchmark Multi Cap Growth Benchmark
As on October 31, 2011
Multi Cap Growth
Balancer
Linked Pension FundsLinked Life Funds
DATE OF INCEPTION: Nov 24, 2009
FUND SFIN NAV*** Rs.Multi Cap Growth Fund ULIF 085 24/11/09 LMCapGro 105 10.82
Preserver
Flexi GrowthFlexi Balanced
Money Market
Protector Maximiser
RICH
Income
Multi Cap BalancedDynamic P/E
Multiplier
Bluechip
Pinnacle
Opportunity
Equity & equity related securities 100 80
Debt, Money Market & Cash 20 0
ASSET ALLOCATION
Indicative Portfolio Allocation Max (%) Min (%)
Click Here
-20.00%
-15.00%
-10.00%
-5.00%
0.00%
5.00%
1 Year Since inception
0.46%
9.00
9.50
10.00
10.50
11.00
11.50
12.00
12.50
13.00
Nov-09 Nov-10 Oct-11
Linked Pension FundsLinked Life Funds
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18/40
Pinnacle
FUND OBJECTIVETo generate optimal returns through an actively managedequity portfolio while using debt instruments to manage theguarantee. The fund would use equity and fixed incomederivatives as permitted by IRDA from time to time.
BENCHMARK
-
PERFORMANCE SUMMARY
ANNUALIZED RETURNS
For full portfolio details please
PORTFOLIO
AUM (Rs. Million): 7,045.81
Allocation inFund
EQUITY 61.34%DEBT 36.88%OTHER CURRENT ASSET & EQUIVALENT 1.78%TOTAL 100.00%
Asset Allocation
NAV GROWTH
Pinnacle Pinnacle
As on October 31, 2011
Pinnacle
Balancer
Linked Pension FundsLinked Life Funds
BANK 18.73%TECHNOLOGY 14.07%OIL & GAS 13.50%CONSUMER 9.72%AUTO 8.35%
Top 5 SectorsIn Equity
INFOSYS TECHNOLOGIES LTD. 8.72%H D F C BANK LTD. 8.56%RELIANCE INDUSTRIES LTD. 8.53%I T C LTD. 7.18%HOUSING DEVELOPMENT FINANCE CORPN. LTD 5.79%STATE BANK OF INDIA 4.76%LARSEN & TOUBRO LTD. 4.75%TATA CONSULTANCY SERVICES LTD. 3.52%
BHARTI AIRTEL LTD. 3.03%AXIS BANK LTD. 2.86%
Top 10 Equity Stocks
GOVERNMENT SECURITIES / T BILLS 36.88%CORPORATE SECURITIES 0.00%
AAA AND EQUIVALENT 0.00%AA+ AND EQUIVALENT 0.00%AA EQUIVALENT AND BELOW 0.00%
CORPORATE MONEY MARKET SECURITIES 0.00%
COMMERCIAL PAPER (P1+ ANDEQUIVALENT) 0.00%CERTIFICATE OF DEPOSIT (P1+ ANDEQUIVALENT) 0.00%
FIXED DEPOSITS WITH BANKS 0.00%
Allocation in FundDebt Asset Allocation
Average Maturity of Debt Portfolio (Months) 179.15Yield to Maturity of Debt Portfolio 8.94%
*** Last declared NAV (31-Oct-2011)
Allocation as a% in Equity
Allocation as a% in Equity
RISK PROFILE
Expectedr
eturn
Risk
DATE OF INCEPTION: Oct 26, 2009
FUND SFIN NAV*** Rs.P innac le Fund ULIF 081 26/10 /09 LPinnacl e 105 10.77
Preserver
Flexi GrowthFlexi Balanced
Money Market
Protector Maximiser
RICH
Income
Multi Cap GrowthMulti Cap BalancedDynamic P/E
Multiplier
Bluechip Opportunity
Equity and Equity Related Securities 100 0
Debt Instruments and derivatives 100 0
ASSET ALLOCATION
Indicative Portfolio Allocation Max (%) Min (%)
Click Here
-12.00%
-9.00%
-6.00%
-3.00%
0.00%
3.00%
6.00%
1 Year Since inception
9.00
9.50
10.00
10.50
11.00
11.50
12.00
12.50
Oct -09 Feb-10 May-10 Sep-10 Dec -10 Apr-11 Jul -11 Oct -11
Linked Life Funds Linked Pension Funds
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GOVERNMENT SECURITIES/ T BILLS 10.27%CORPORATE SECURITIES 25.79%
AAA AND EQUIVALENT 16.97%AA+ AND EQUIVALENT 1.80%AA EQUIVALENT AND BELOW 7.02%
CORPORATE MONEY MARKET SECURITIES 2.65%COMMERCIAL PAPER (P1+ ANDEQUIVALENT) 2.65%CERTIFICATE OF DEPOSIT (P1+ ANDEQUIVALENT) 0.00%
FIXED DEPOSITS WITH BANKS 16.18%
Debt Asset Allocation Allocation in Fund
Pension Balancer
For full portfolio details please
FUND OBJECTIVETo provide a balance between long-term capital appreciationand current income through investment in equity as well asfixed income instruments in appropriate proportionsdepending on market conditions prevalent from time to time.
BENCHMARK
35% BSE 100 & 65% CRISIL Composite Bond Index
PERFORMANCE SUMMARY
PORTFOLIO
AUM (Rs. Million): 14,397.37
EQUITY 37.05%DEBT 54.89%OTHER CURRENT ASSET & EQUIVALENT 8.06%TOTAL 100.00%
Allocation inFund
Asset Allocation
Top 5 Sectors in EquityAllocation as a
% in Equity
BANK 26.60%TECHNOLOGY 14.31%OIL & GAS 12.54%FINANCE 10.31%METALS & MINERALS 9.31%
INFOSYS TECHNOLOGIES LTD. 8.72%RELIANCE INDUSTRIES LTD. 8.65%I T C LTD. 7.16%HOUSING DEVELOPMENT FINANCE CORPN. LTD 5.61%BHARTI AIRTEL LTD. 5.52%AXIS BANK LTD. 5.10%INDUSIND BANK LTD. 4.99%TATA CONSULTANCY SERVICES LTD. 4.95%
LARSEN & TOUBRO LTD. 4.54%BANK OF BARODA 4.42%
Top 10 Equity StocksAllocation as a
% in Equity
Average Maturity of Debt Portfolio (Months) 42.91Average Maturity of Debt Benchmark (Months) 44.43Yield to Maturity of Debt Portfolio 9.71%
*** Last declared NAV (31-Oct-2011)
RISK PROFILE
Expected
return
Risk
Pension Balancer Benchmark
NAV GROWTH
Pension Balancer Benchmark
ANNUALIZED RETURNS
As on October 31, 2011
DATE OF INCEPTION: May 31, 2002
FUND SFIN NAV*** Rs.Pension Balancer Fund ULIF 005 03/05/02 PBalancer1 105 30.71Pension Balancer Fund II ULIF 015 17/05/04 PBalancer2 105 23
Pension PreserverPension MaximiserPension ProtectorPension Balancer
Pension Flexi GrowthPension Flexi BalancedPension RICHPension Multiplier
Pension OpportunityPension Money MarketPension IncomePension Bluechip
Pension Multi Cap GrowthPension Multi Cap BalancedPension Dynamic P/E
Linked Life Funds Linked Pension Funds
Equity & equity related securities 40 0
Debt, Money Market & Cash 100 60
ASSET ALLOCATION
Indicative Portfolio Allocation Max (%) Min (%)
Click Here
0.00%
2.00%
4.00%
6.00%
8.00%
10.00%
12.00%
14.00%
3 Year 5 Year Since inception
8.00
10.00
12.00
14.00
16.00
18.00
20.00
22.00
24.00
26.00
28.00
30.00
32.00
34.00
May-02 Sep-03 Feb-05 Jun -06 Oct -07 Feb-09 Jun -10 Oct -11
Linked Life Funds Linked Pension Funds
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GOVERNMENT SECURITIES / T BILLS 15.65%CORPORATE SECURITIES 42.40%
AAA AND EQUIVALENT 32.01%AA+ AND EQUIVALENT 5.83%AA EQUIVALENT AND BELOW 4.56%
CORPORATE MONEY MARKETSECURITIES 5.48%
COMMERCIAL PAPER (P1+ ANDEQUIVALENT) 5.48%CERTIFICATE OF DEPOSIT (P1+AND EQUIVALENT) 0.00%
FIXED DEPOSITS WITH BANKS 23.45%OTHER CURRENT ASSETS ANDEQUIVALENT 13.02%TOTAL 100.00%
Portfolio by Maturity Allocation inFund
Pension Protector
For full portfolio details please
FUND OBJECTIVETo provide accumulation of income through investment invarious fixed income securities. The fund seeks to providecapital appreciation while maintaining a suitable balancebetween return, safety and liquidity.
BENCHMARK
CRISIL Composite Bond Index
PERFORMANCE SUMMARY
Asset Allocation Allocation in Fund
PORTFOLIO
AUM (Rs. Million): 21,590.19
< 1 year 38.95%1-5 years 34.29%5-7 years 0.96%7-10 years 25.53%> 10 years 0.27%TOTAL 100.00%
Average Maturity of Debt Portfolio (Months) 39.89Average Maturity of Debt Benchmark (Months) 44.43Yield to Maturity of Debt Portfolio 9.77%
*** Last declared NAV (31-Oct-2011)
RISK PROFILE
Expectedr
eturn
Risk
NAV GROWTHANNUALIZED RETURNS
Pension Protector Benchmark
As on October 31, 2011
Pens ion Protector Benchmark
Linked Life Funds Linked Pension Funds
Pension ProtectorPension Balancer
DATE OF INCEPTION: May 31, 2002
FUND SFIN NAV*** Rs.Pension Protector Fund ULIF 006 03/05/02 PProtect1 105 18.8Pension Protector Fund II ULIF 017 17/05/04 PProtect2 105 16.1776
Pension PreserverPension Maximiser
Pension Flexi BalancedPension Multiplier
Pension OpportunityPension Money MarketPension IncomePension Bluechip
Pension Multi Cap GrowthPension Multi Cap BalancedPension Dynamic P/E
Pension RICH Pension Flexi Growth
Equity & equity related securities 0 0
Debt, Money Market & Cash 100 100
ASSET ALLOCATION
Indicative Portfolio Allocation Max (%) Min (%)
Click Here
0.00%
1.00%
2.00%
3.00%
4.00%
5.00%
6.00%
7.00%
8.00%
3 Year 5 Year Since inception
10.00
11.00
12.00
13.00
14.00
15.00
16.00
17.00
18.00
19.00
May-02 Apr-04 Mar-06 Jan-08 Dec-09 Oct-11
Linked Life Funds Linked Pension Funds
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Pension Maximiser
For full portfolio details please
FUND OBJECTIVETo generate long-term capital appreciation throughinvestment primarily in equity and equity-related instruments.
BENCHMARK
BSE 100
PERFORMANCE SUMMARY
PORTFOLIO
AUM (Rs. Million): 28,848.30
Allocation inFund
EQUITY 90.51%DEBT AND OTHER CURRENT ASSET & EQUIVALENT 9.49%TOTAL 100.00%
Asset Allocation
Allocation as a% in EquitySector Allocation
BANK 19.25%METALS & MINERALS 15.25%
OIL & GAS 11.72%TECHNOLOGY 10.87%AUTO 9.32%CONSUMER 8.04%TELECOM 6.62%CEMENT 5.69%FINANCE 3.54%INFRASTRUCTURE 2.43%PHARMA & HEALTHCARE 2.31%CAPITAL GOODS 2.12%EPC 1.13%RETAIL 1.04%OTHERS 0.35%REAL ESTATE 0.32%
RELIANCE INDUSTRIES LTD. 9.46%H D F C BANK LTD. 9.32%STATE BANK OF INDIA 6.90%INFOSYS TECHNOLOGIES LTD. 6.83%I T C LTD. 6.74%BHARTI AIRTEL LTD. 6.62%TATA STEEL LTD. 5.65%MAHINDRA & MAHINDRA LTD. 5.34%STERLITE INDUSTRIES (INDIA) LTD. 4.22%JINDAL STEEL & POWER LTD. 3.78%A C C LTD. 3.22%MARUTI SUZUKI INDIA LTD. 2.78%SHRIRAM TRANSPORT FINANCE CO. LTD. 2.65%LUPIN LTD. 2.06%POWER GRID CORPN. OF INDIA LTD. 2.00%
TATA CONSULTANCY SERVICES LTD. 1.86%AXIS BANK LTD. 1.66%GRASIM INDUSTRIES LTD. 1.64%HINDUSTAN ZINC LTD. 1.31%I C I INDIA LTD. 1.30%
Top 20 Equity StocksAllocation as a
% in Equity
*** Last declared NAV (31-Oct-2011)
RISK PROFILE
Expectedr
eturn
Risk
NAV GROWTH
Pension Maximiser Benchmark
ANNUALIZED RETURNS
Pension Maximiser Benchmark
As on October 31, 2011
DATE OF INCEPTION: May 31, 2002
FUND SFIN NAV*** Rs.Pension Maximiser Fund ULIF 004 03/05/02 PMaximis1 105 65.05Pension Maximiser Fund II ULIF 013 17/05/04 PMaximis2 105 37.93
Pension MaximiserPension Balancer
Linked Life Funds Linked Pension Funds
Pension PreserverPension Protector
Pension Flexi BalancedPension Multiplier
Pension OpportunityPension Money MarketPension IncomePension Bluechip
Pension Multi Cap GrowthPension Multi Cap BalancedPension Dynamic P/E
Pension RICH Pension Flexi Growth
Equity & equity related securities 100 75
Debt, Money Market & Cash 25 0
ASSET ALLOCATION
Indicative Portfolio Allocation Max (%) Min (%)
Click Here
0.00%
5.00%
10.00%
15.00%
20.00%
25.00%
3 Year 5 Year Since inception
8.00
14.00
20.00
26.00
32.00
38.00
44.00
50.00
56.00
62.00
68.00
74.00
80.00
May-02 Sep-03 Feb-05 Jun -06 Oct -07 Feb-09 Jun -10 Oct -11
Linked Life Funds Linked Pension Funds
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22/40
GOVERNMENT SECURITIES/ T BILLS 0.00%CORPORATE SECURITIES 4.97%
AAA AND EQUIVALENT 4.97%AA+ AND EQUIVALENT 0.00%AA EQUIVALENT AND BELOW 0.00%
CORPORATE MONEY MARKET SECURITIES 59.71%COMMERCIAL PAPER (P1+ ANDEQUIVALENT) 59.71%CERTIFICATE OF DEPOSIT (P1+
AND EQUIVALENT) 0.00%FIXED DEPOSITS WITH BANKS 28.23%OTHER CURRENT ASSETS AND EQUIVALENT 7.08%
TOTAL 100.00%
Portfolio by Maturity Allocation inFund
Pension Preserver
For full portfolio details please
FUND OBJECTIVETo provide suitable returns through low risk investments indebt and money market instruments while attempting toprotect the capital deployed in the fund.
BENCHMARK
CRISIL Liquid Index
PERFORMANCE SUMMARY
Asset Allocation Allocation in Fund
< 1 year 92.90%1-5 years 7.10%5-7 years 0.00%7-10 years 0.00%> 10 years 0.00%TOTAL 100.00%
Average Maturity of Debt Portfolio (Months) 4.46
Average Maturity of Debt Benchmark (Months) 2.23Yield to Maturity of Debt Portfolio 9.65%
*** Last declared NAV (31-Oct-2011)
PORTFOLIO
AUM (Rs. Million): 4,640.61
RISK PROFILE
Expectedr
eturn
Risk
NAV GROWTH
Pension Preserver Benchmark
ANNUALIZED RETURNS
Pension Preserver Benchmark
As on October 31, 2011
DATE OF INCEPTION: June 22, 2004
FUND SFIN NAV*** Rs.Pension Preserver Fund ULIF 011 17/05/04 PPreserv 105 17.1043
Pension PreserverPension Balancer Pension MaximiserPension Protector
Pension Flexi BalancedPension Multiplier
Pension OpportunityPension Money MarketPension IncomePension Bluechip
Pension Multi Cap GrowthPension Multi Cap BalancedPension Dynamic P/E
Pension RICH Pension Flexi Growth
Equity & equity related securities 0 0
Debt instruments 50 0
Money Market & Cash 100 50
ASSET ALLOCATION
Indicative Portfolio Allocation Max (%) Min (%)
Click Here
0.00%
2.00%
4.00%
6.00%
8.00%
10.00%
3 Year 5 Year Since inception
10.00
11.00
12.00
13.00
14.00
15.00
16.00
17.00
18.00
Jun-04 Apr-06 Feb-08 Dec-09 Oct-11
Linked Life Funds Linked Pension Funds
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EQUITY 99.15%DEBT AND OTHER CURRENT ASSET & EQUIVALENT 0.85%TOTAL 100.00%
INFOSYS TECHNOLOGIES LTD. 9.28%
I T C LTD. 8.57%RELIANCE INDUSTRIES LTD. 8.31%HOUSING DEVELOPMENT FINANCE CORPN. LTD 5.78%TATA CONSULTANCY SERVICES LTD. 5.47%BHARTI AIRTEL LTD. 4.99%LARSEN & TOUBRO LTD. 4.87%AXIS BANK LTD. 4.51%INDUSIND BANK LTD. 3.72%PUNJAB NATIONAL BANK 3.30%TATA STEEL LTD. 3.00%POWER FINANCE CORPN. LTD. 2.97%BANK OF BARODA 2.79%H D F C BANK LTD. 2.59%JINDAL STEEL & POWER LTD. 2.45%ALLAHABAD BANK 2.39%TATA MOTORS LTD. 2.35%
A C C LTD. 2.18%HINDALCO INDUSTRIES LTD. 2.15%CANARA BANK 1.89%
Pension Multiplier
For full portfolio details please
FUND OBJECTIVETo provide long-term capital appreciation from equityportfolio predominantly invested in NIFTY scrips.
BENCHMARK
S&P CNX Nifty
PERFORMANCE SUMMARY
Allocation inFund
Asset Allocation
Allocation as a% in EquitySector Allocation
Top 20 Equity StocksAllocation as a
% in Equity
*** Last declared NAV (31-Oct-2011)
PORTFOLIO
AUM (Rs. Million): 11,278.00
RISK PROFILE
Expectedr
eturn
Risk
NAV GROWTHANNUALIZED RETURNS
Pension Multiplier Benchmark
As on October 31, 2011
Pension Multiplier Benchmark
BANK 23.78%TECHNOLOGY 15.44%
OIL & GAS 11.90%FINANCE 10.35%METALS & MINERALS 8.80%CONSUMER 8.57%TELECOM 5.89%EPC 4.87%AUTO 4.01%CEMENT 3.24%RETAIL 1.35%INFRASTRUCTURE 1.21%PHARMA & HEALTHCARE 0.44%OTHERS 0.15%
Pension Multiplier
Pension Balancer
DATE OF INCEPTION: Feb 25, 2008
FUND SFIN NAV*** Rs.Pension Multiplier Fund ULIF 043 25/02/08 PMultip1 105 9.91Pension Multiplier Fund II ULIF 045 25/02/08 PMultip2 105 10.24
Pension PreserverPension MaximiserPension Protector
Pension Flexi Balanced
Pension OpportunityPension Money MarketPension IncomePension Bluechip
Pension Multi Cap GrowthPension Multi Cap BalancedPension Dynamic P/E
Pension RICH Pension Flexi Growth
Equity & equity related securities 100 80
Debt, Money Market & Cash 20 0
ASSET ALLOCATION
Indicative Portfolio Allocation Max (%) Min (%)
Click Here
-20.00%
-10.00%
0.00%
10.00%
20.00%
30.00%
1 Year 3 Year Since inception
-0.25
0.65
4.00
5.00
6.00
7.00
8.00
9.00
10.00
11.00
12.00
13.00
Feb-08 Jul-08 Nov-08 Apr-09 Aug-09 Dec-09 May-10 Sep-10 Feb-11 Jun-11 Oct-11
Linked Life Funds Linked Pension Funds
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Pension RICH
For full portfolio details please
FUND OBJECTIVETo generate superior long-term returns from a diversifiedportfolio of equity and equity related instruments ofcompanies operating in four important types of industries viz.,Resources, Investment-realted, Consumption-related andHuman Capital leveraged industries.
BENCHMARK
BSE 200
PERFORMANCE SUMMARY
EQUITY 89.92%DEBT AND OTHER CURRENT ASSET & EQUIVALENT 10.08%TOTAL 100.00%
INFOSYS TECHNOLOGIES LTD. 7.72%I T C LTD. 7.21%H D F C BANK LTD. 5.65%RELIANCE INDUSTRIES LTD. 4.94%BHARTI AIRTEL LTD. 4.55%TATA CONSULTANCY SERVICES LTD. 4.44%HOUSING DEVELOPMENT FINANCE CORPN. LTD 4.19%OIL & NATURAL GAS CORPN. LTD. 3.34%TATA STEEL LTD. 2.69%AXIS BANK LTD. 2.44%STATE BANK OF INDIA 2.36%STERLITE INDUSTRIES (INDIA) LTD. 2.26%TATA POWER CO. LTD. 2.25%POWER GRID CORPN. OF INDIA LTD. 2.06%OIL INDIA LTD. 1.87%
MAHINDRA & MAHINDRA LTD. 1.86%BHARAT HEAVY ELECTRICALS LTD. 1.62%TATA CHEMICALS LTD. 1.41%N T P C LTD. 1.38%POWER FINANCE CORPN. LTD. 1.30%
Allocation inFund
Asset Allocation
Allocation as a% in EquitySector Allocation
OIL & GAS 14.51%BANK 13.62%
TECHNOLOGY 13.01%CONSUMER 9.49%FINANCE 7.73%METALS & MINERALS 7.52%OTHERS 7.12%INFRASTRUCTURE 6.71%TELECOM 4.95%AUTO 4.14%CAPITAL GOODS 4.10%CEMENT 2.93%PHARMA & HEALTHCARE 1.61%REAL ESTATE 1.25%EPC 1.18%MEDIA 0.12%
Top 20 Equity StocksAllocation as a
% in Equity
*** Last declared NAV (31-Oct-2011)
PORTFOLIO
AUM (Rs. Million): 43,389.53
RISK PROFILE
Expected
return
Risk
NAV GROWTH
Pension R.I.C.H Benchmark
ANNUALIZED RETURNS
Pension R.I.C.H Benchmark
As on October 31, 2011
Pension RICH
Pension Balancer
DATE OF INCEPTION: Mar 18, 2008
FUND SFIN NAV*** Rs.Pension R.I.C.H. Fund ULIF 052 17/03/08 PRICH1 105 12.75Pension R.I.C.H. Fund II ULIF 053 17/03/08 PRICH2 105 13.11
Pension PreserverPension MaximiserPension Protector
Pension Flexi BalancedPension Multiplier
Pension OpportunityPension Money MarketPension IncomePension Bluechip
Pension Multi Cap GrowthPension Multi Cap BalancedPension Dynamic P/E
Pension Flexi Growth
ASSET ALLOCATION
Equity & equity related securities 100 80
Debt, Money Market & Cash 20 0
Indicative Portfolio Allocation Max (%) Min (%)
Click Here
-20.00%
-10.00%
0.00%
10.00%
20.00%
30.00%
1 Year 3 Year Since inception
5.00
6.00
7.00
8.00
9.00
10.00
11.00
12.00
13.00
14.00
15.00
16.00
M ar- 08 O ct- 08 Ma y-0 9 J an- 10 A ug- 10 M ar-1 1 O ct -1 1
Linked Life Funds Linked Pension Funds
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Pension Flexi Balanced
FUND OBJECTIVETo achieve a balance between capital appreciation and stablereturns by investing in a mix of equity and equity relatedinstruments of large,mid and small cap companies and debtand debt related instruments.
BENCHMARK
55% CNX 500 & 45% CRISIL Composite Bond Index
PERFORMANCE SUMMARY
GOVERNMENT SECURITIES/ T BILLS 7.24%CORPORATE SECURITIES 12.90%
AAA AND EQUIVALENT 11.11%AA+ AND EQUIVALENT 0.89%AA EQUIVALENT AND BELOW 0.90%
CORPORATE MONEY MARKET SECURITIES 2.52%COMMERCIAL PAPER (P1+ ANDEQUIVALENT) 2.52%CERTIFICATE OF DEPOSIT (P1+AND EQUIVALENT) 0.00%
FIXED DEPOSITS WITH BANKS 11.55%
Debt Asset Allocation Allocation in Fund
For full portfolio details please
PORTFOLIO
AUM (Rs. Million): 2,773.30
EQUITY 50.56%DEBT 34.21%OTHER CURRENT ASSET & EQUIVALENT 15.22%TOTAL 100.00%
Allocation inFund
Asset Allocation
Top 5 Sectors in EquityAllocation as a
% in Equity
TECHNOLOGY 13.24%
OIL & GAS 13.12%METALS & MINERALS 11.07%BANK 10.85%CONSUMER 10.58%
I T C LTD. 7.70%INFOSYS TECHNOLOGIES LTD. 7.41%H D F C BANK LTD. 6.98%RELIANCE INDUSTRIES LTD. 5.41%BHARTI AIRTEL LTD. 4.66%TATA CONSULTANCY SERVICES LTD. 4.13%OIL & NATURAL GAS CORPN. LTD. 4.02%HOUSING DEVELOPMENT FINANCE CORPN. LTD 3.59%
CIPLA LTD. 2.93%GUJARAT MINERAL DEVP. CORPN. LTD. 2.64%
Top 10 Equity StocksAllocation as a
% in Equity
Average Maturity of Debt Portfolio (Months) 41.30Average Maturity of Benchmark (Months) 44.43Yield to Maturity of Debt Portfolio 9.72%
*** Last declared NAV (31-Oct-2011)
RISK PROFILE
Expected
return
Risk
Pension Flexi Balanced Benchmark
NAV GROWTH
Pension Flexi Balanced Benchmark
ANNUALIZED RETURNS
As on October 31, 2011
Pension Flexi Balanced
Pension Balancer
DATE OF INCEPTION: Mar 20, 2007
FUND SFIN NAV*** Rs.Pension Flexi Balanced Fund ULIF 034 20/03/07 PFlexiBal1 105 14.15Pension Flexi Balanced Fund II ULIF 035 20/03/07 PFlexiBal2 105 14.72
Pension PreserverPension MaximiserPension Protector
Pension Multiplier
Pension OpportunityPension Money MarketPension IncomePension Bluechip
Pension Multi Cap GrowthPension Multi Cap BalancedPension Dynamic P/E
Pension RICH Pension Flexi Growth
ASSET ALLOCATION
Equity & equity related securities 60 0
Debt, Money Market & Cash 100 40
Indicative Portfolio Allocation Max (%) Min (%)
Click Here
-10.00%
-5.00%
0.00%
5.00%
10.00%
15.00%
20.00%
1 Year 3 Year Since inception8.00
9.00
10.00
11.00
12.00
13.00
14.00
15.00
16.00
Mar-07 May-08 Jul-09 Sep-10 Oct-11
Linked Life Funds Linked Pension Funds
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26/40
Pension Flexi Growth
FUND OBJECTIVETo generate superior long-term returns from a diversifiedportfolio of equity and equity related instruments of large,mid and small cap companies.
BENCHMARK
S&P CNX 500
PERFORMANCE SUMMARY
EQUITY 92.14%DEBT AND OTHER CURRENT ASSET & EQUIVALENT 7.86%TOTAL 100.00%
Allocation inFund
Asset Allocation
Allocation as a% in EquitySector Allocation
BANK 18.37%OIL & GAS 15.28%
TECHNOLOGY 9.74%CONSUMER 9.17%INFRASTRUCTURE 8.69%METALS & MINERALS 8.49%AUTO 7.91%OTHERS 5.28%CEMENT 4.11%CAPITAL GOODS 3.74%TELECOM 3.62%FINANCE 2.82%PHARMA & HEALTHCARE 2.44%REAL ESTATE 0.19%EPC 0.16%MEDIA 0.01%
H D F C BANK LTD. 7.29%INFOSYS TECHNOLOGIES LTD. 6.36%MAHINDRA & MAHINDRA LTD. 6.26%OIL & NATURAL GAS CORPN. LTD. 4.83%AXIS BANK LTD. 4.80%I T C LTD. 4.41%BHARTI AIRTEL LTD. 3.62%N T P C LTD. 3.55%RELIANCE INDUSTRIES LTD. 3.52%GRASIM INDUSTRIES LTD. 2.81%GAIL (INDIA) LTD. 2.58%POWER GRID CORPN. OF INDIA LTD. 2.50%KANSAI NEROLAC PAINTS LTD. 2.42%BANK OF BARODA 2.17%STATE BANK OF INDIA 2.03%LUPIN LTD. 1.66%TATA CHEMICALS LTD. 1.64%TATA CONSULTANCY SERVICES LTD. 1.54%SATLUJ JAL VIDYUT NIGAM LIMITED 1.53%BHARAT PETROLEUM CORPN. LTD. 1.37%
Top 20 Equity StocksAllocation as a
% in Equity
*** Last declared NAV (31-Oct-2011)
For full portfolio details please
PORTFOLIO
AUM (Rs. Million): 58,311.02
RISK PROFILE
Expected
return
Risk
NAV GROWTH
Pension Flexi Growth Benchmark
ANNUALIZED RETURNS
Pension Flexi Growth Benchmark
As on October 31, 2011
Pension Flexi Growth
Pension Balancer
DATE OF INCEPTION: Mar 20, 2007
FUND SFIN NAV*** Rs.Pension Flexi Growth Fund ULIF 029 20/03/07 PFlexiGro1 105 14.2Pension Flexi Growth Fund II ULIF 030 20/03/07 PFlexiGro2 105 14.74
Pension PreserverPension MaximiserPension Protector
Pension Flexi BalancedPension Multiplier
Pension OpportunityPension Money MarketPension IncomePension Bluechip
Pension Multi Cap GrowthPension Multi Cap BalancedPension Dynamic P/E
Pension RICH
ASSET ALLOCATION
Equity & equity related securities 100 80
Debt, Money Market & Cash 20 0
Indicative Portfolio Allocation Max (%) Min (%)
Click Here
-20.00%
-10.00%
0.00%
10.00%
20.00%
30.00%
1 Year 3 Year Since inception6.00
7.00
8.00
9.00
10.00
11.00
12.00
13.00
14.00
15.00
16.00
17.00
18.00
19.00
Mar-07 May-08 Jul-09 Sep-10 Oct-11
Linked Life Funds Linked Pension Funds
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27/40
Pension Bluechip
BENCHMARK
Nifty
PERFORMANCE SUMMARY
EQUITY 99.95%DEBT AND OTHER CURRENT ASSET & EQUIVALENT 0.05%TOTAL 100.00%
Allocation inFund
Asset Allocation
Allocation as a% in EquitySector Allocation
BANK 23.03%TECHNOLOGY 16.11%
OIL & GAS 13.05%FINANCE 9.60%CONSUMER 9.15%METALS & MINERALS 7.91%EPC 4.70%TELECOM 4.67%AUTO 3.99%CEMENT 3.83%INFRASTRUCTURE 1.29%RETAIL 1.24%OTHERS 1.03%PHARMA & HEALTHCARE 0.41%
INFOSYS TECHNOLOGIES LTD. 9.19%I T C LTD. 9.15%RELIANCE INDUSTRIES LTD. 8.93%HOUSING DEVELOPMENT FINANCE CORPN. LTD 5.65%LARSEN & TOUBRO LTD. 4.70%TATA CONSULTANCY SERVICES LTD. 4.69%BHARTI AIRTEL LTD. 4.67%INDUSIND BANK LTD. 4.32%AXIS BANK LTD. 4.19%PUNJAB NATIONAL BANK 4.10%BANK OF BARODA 3.78%TATA STEEL LTD. 2.75%H D F C BANK LTD. 2.53%JINDAL STEEL & POWER LTD. 2.40%ALLAHABAD BANK 2.24%A C C LTD. 2.12%TATA MOTORS LTD. 2.07%POWER FINANCE CORPN. LTD. 1.99%HINDALCO INDUSTRIES LTD. 1.70%RURAL ELECTRIFICATION CORPN. LTD. 1.69%
Top 20 Equity StocksAllocation as a
% in Equity
*** Last declared NAV (31-Oct-2011)
For full portfolio details please
PORTFOLIO
AUM (Rs. Million): 1,622.25
RISK PROFILE
Expected
return
Risk
NAV GROWTH
Pension Bluechip Benchmark
ANNUALIZED RETURNS
Pension Bluechip Benchmark
As on October 31, 2011
Pension Bluechip
Pension Balancer
DATE OF INCEPTION: Jan 11, 2010
FUND SFIN NAV*** Rs.Pension Bluechip Fund ULIF 093 11/01/10 PBluChip 105 9.68
Pension PreserverPension MaximiserPension Protector
Pension Flexi BalancedPension Multiplier
Pension OpportunityPension Money MarketPension Income
Pension Multi Cap GrowthPension Multi Cap BalancedPension Dynamic P/E
Pension RICH Pension Flexi Growth
ASSET ALLOCATION
Equity & Equity Related Securities 100 80
Debt, Money Market & Cash 20 0
Indicative Portfolio Allocation Max (%) Min (%)
Click Here
-15.00%
-10.00%
-5.00%
0.00%
5.00%
1 Year Since inception
0.81%
8.50
9.00
9.50
10.00
10.50
11.00
11.50
12.00
12.50
Jan-10 Dec-10 Oct-11
FUND OBJECTIVETo provide long-term capital appreciation from equityportfolio predominantly invested in large cap stocks.
Linked Life Funds Linked Pension Funds
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28/40
Pension Income
FUND OBJECTIVETo provide accumulation of income through investment invarious fixed income securities. The Fund seeks to providecapital appreciation while maintaining a suitable balancebetween return, safety and liquidity.
BENCHMARK
CRISIL Composite Bond Index
PERFORMANCE SUMMARY
For full portfolio details please
PORTFOLIO
AUM (Rs. Million): 5,092.28
NAV GROWTH
Pension Income Benchmark
ANNUALIZED RETURNS
Pension Income Benchmark
As on October 31, 2011
Pension Income
Pension Balancer
GOVERNMENT SECURITIES / T BILLS 19.14%CORPORATE SECURITIES 36.67%
AAA AND EQUIVALENT 26.93%AA+ AND EQUIVALENT 3.48%AA EQUIVALENT AND BELOW 6.26%
CORPORATE MONEY MARKET SECURITIES 14.39%COMMERCIAL PAPER (P1+ ANDEQUIVALENT) 14.39%CERTIFICATE OF DEPOSIT (P1+
AND EQUIVALENT) 0.00%FIXED DEPOSITS WITH BANKS 17.73%OTHER CURRENT ASSETS AND EQUIVALENT 12.07%
TOTAL 100.00%
Portfolio by Maturity Allocation inFund
Asset Allocation Allocation in Fund
< 1 year 35.79%1-5 years 32.58%5-7 years 0.80%7-10 years 30.56%> 10 years 0.28%TOTAL 100.00%
Average Maturity of Debt Portfolio (Months) 42.64Yield to Maturity of Debt Portfolio 9.7%
*** Last declared NAV (31-Oct-2011)
RISK PROFILE
Risk
Expectedr
eturn
DATE OF INCEPTION: Jan 11, 2010
FUND SFIN NAV*** Rs.Pension Income Fund ULIF 095 11/01/10 PIncome 105 11.1201
Pension PreserverPension MaximiserPension Protector
Pension Flexi BalancedPension Multiplier
Pension OpportunityPension Money MarketPension Bluechip
Pension Multi Cap GrowthPension Multi Cap BalancedPension Dynamic P/E
Pension RICH Pension Flexi Growth
ASSET ALLOCATION
Debt Instruments, Money Market & Cash 100 100
Indicative Portfolio Allocation Max (%) Min (%)
Click Here
0.00%
1.00%
2.00%
3.00%
4.00%
5.00%
6.00%
7.00%
1 Year Since inception
9.75
10.00
10.25
10.50
10.75
11.00
11.25
Jan-10 Jun-10 Dec-10 May-11 Oct-11
Linked Life Funds Linked Pension Funds
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29/40
Pension Money Market
FUND OBJECTIVETo provide suitable returns through low risk investments indebt and money market instruments while attempting toprotect the capital deployed in the Fund.
BENCHMARK
CRISIL Liquid Index
PERFORMANCE SUMMARY
For full portfolio details please
PORTFOLIO
AUM (Rs. Million): 1,574.77
NAV GROWTH
Pension Money Market Benchmark
ANNUALIZED RETURNS
Pension Money Market Benchmark
As on October 31, 2011
Pension Money Market
Pension Balancer
GOVERNMENT SECURITIES/ T BILLS 0.00%CORPORATE SECURITIES 3.16%
AAA AND EQUIVALENT 3.16%AA+ AND EQUIVALENT 0.00%AA EQUIVALENT AND BELOW 0.00%
CORPORATE MONEY MARKET SECURITIES 68.92%COMMERCIAL PAPER (P1+ ANDEQUIVALENT) 68.92%CERTIFICATE OF DEPOSIT (P1+
AND EQUIVALENT) 0.00%FIXED DEPOSITS WITH BANKS 21.64%OTHER CURRENT ASSETS AND EQUIVALENT 6.28%
TOTAL 100.00%
Portfolio by Maturity Allocation inFund
Asset Allocation Allocation in Fund
< 1 year 94.96%1-5 years 5.04%5-7 years 0.00%7-10 years 0.00%> 10 years 0.00%TOTAL 100.00%
Average Maturity of Debt Portfolio (Months) 5.10Yield to Maturity of Debt Portfolio 9.6%
*** Last declared NAV (31-Oct-2011)
RISK PROFILE
Risk
Expectedr
eturn
DATE OF INCEPTION: Jan 18, 2010
FUND SFIN NAV*** Rs.Pension Money Market FundULIF 096 11/01/10 PMoneyMkt 105 11.3545
Pension PreserverPension MaximiserPension Protector
Pension Flexi BalancedPension Multiplier
Pension OpportunityPension IncomePension Bluechip
Pension Multi Cap GrowthPension Multi Cap BalancedPension Dynamic P/E
Pension RICH Pension Flexi Growth
ASSET ALLOCATION
Debt Instruments 50 0
Money Market & Cash 100 50
Indicative Portfolio Allocation Max (%) Min (%)
Click Here
0.00%
2.00%
4.00%
6.00%
8.00%
10.00%
1 Year Since inception
10.00
10.20
10.40
10.60
10.80
11.00
11.20
11.40
Jan-10 May-10 Sep-10 Feb-11 Jun-11 Oct-11
Linked Life Funds Linked Pension Funds
http://www.iciciprulife.com/public/Fund-Performance/Portfolio-Details.htmhttp://www.iciciprulife.com/public/Fund-Performance/Portfolio-Details.htm8/3/2019 Ensure Nov 2011
30/40
Pension Opportunity
FUND OBJECTIVETo generate superior long-term returns from a diversifiedportfolio of equity and equity related instruments ofcompanies operating in four important types of industries viz.,Resources, Investment-related, Consumption-related andHuman Capital leveraged industries.
BENCHMARK
BSE 200
PERFORMANCE SUMMARY
EQUITY 83.50%DEBT AND OTHER CURRENT ASSET & EQUIVALENT 16.50%TOTAL 100.00%
Allocation inFund
Asset Allocation
Allocation as a% in EquitySector Allocation
OIL & GAS 16.13%BANK 13.65%TECHNOLOGY 11.40%
CONSUMER 10.81%METALS & MINERALS 9.67%OTHERS 6.13%TELECOM 5.50%FINANCE 5.42%CAPITAL GOODS 4.25%INFRASTRUCTURE 4.07%EPC 3.50%AUTO 3.44%CEMENT 2.55%PHARMA & HEALTHCARE 1.65%REAL ESTATE 1.03%MEDIA 0.78%RETAIL 0.01%
I T C LTD. 7.28%H D F C BANK LTD. 7.25%INFOSYS TECHNOLOGIES LTD. 7.09%RELIANCE INDUSTRIES LTD. 5.96%BHARTI AIRTEL LTD. 4.65%TATA CONSULTANCY SERVICES LTD. 4.31%TATA STEEL LTD. 4.30%STATE BANK OF INDIA 4.15%HOUSING DEVELOPMENT FINANCE CORPN. LTD 3.86%OIL & NATURAL GAS CORPN. LTD. 3.56%KALPATARU POWER TRANSMISSION LTD. 2.08%GAIL (INDIA) LTD. 1.85%GODREJ CONSUMER PRODUCTS LTD. 1.80%STERLITE INDUSTRIES (INDIA) LTD. 1.78%NESTLE INDIA LTD. 1.73%N T P C LTD. 1.71%GRASIM INDUSTRIES LTD. 1.67%BHARAT HEAVY ELECTRICALS LTD. 1.64%MAHINDRA & MAHINDRA LTD. 1.56%HINDALCO INDUSTRIES LTD. 1.49%
Top 20 Equity Stocks
Allocation as a
% in Equity
*** Last declared NAV (31-Oct-2011)
For full portfolio details please
PORTFOLIO
AUM (Rs. Million): 4,875.67
RISK PROFILE
Expected
return
Risk
NAV GROWTH
Pension Opportunity Benchmark
ANNUALIZED RETURNS
Pension Opportunity Benchmark
As on October 31, 2011
Pension Opportunity
Pension Balancer
DATE OF INCEPTION: Jan 11, 2010
FUND SFIN NAV*** Rs.Pension Opportunities Fund ULIF 092 11/01/10 POpport 105 10.15
Pension PreserverPension MaximiserPension Protector
Pension Flexi BalancedPension Multiplier
Pension Money MarketPension IncomePension Bluechip
Pension Multi Cap GrowthPension Multi Cap BalancedPension Dynamic P/E
Pension RICH Pension Flexi Growth
ASSET ALLOCATION
Equity & Equity Related Securities 100 80
Debt, Money Market & Cash 20 0
Indicative Portfolio Allocation Max (%) Min (%)
Click Here
-20.00%
-15.00%
-10.00%
-5.00%
0.00%
5.00%
1 Year Since inception
8.50
9.00
9.50
10.00
10.50
11.00
11.50
12.00
12.50
Jan-10 Dec-10 Oct-11
Linked Life Funds Linked Pension Funds
i i i
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31/40
Pension Dynamic P/E
BENCHMARK
NIFTY- 75%
MIBEX - 25%
PERFORMANCE SUMMARY
For full portfolio details please
PORTFOLIO
AUM (Rs. Million): 13,395.40
RISK PROFILE
Expected
return
Risk
NAV GROWTH
Pension Dynamic P/E Benchmark
ANNUALIZED RETURNS
Pension Dynamic P/E Benchmark
As on October 31, 2011
Pension Balancer
Pension Dynamic P/E
GOVERNMENT SECURITIES/ T BILLS 3.16%CORPORATE SECURITIES 0.02%
AAA AND EQUIVALENT 0.00%AA+ AND EQUIVALENT 0.02%AA EQUIVALENT AND BELOW 0.00%
CORPORATE MONEY MARKET SECURITIES 0.00%COMMERCIAL PAPER (P1+ ANDEQUIVALENT) 0.00%CERTIFICATE OF DEPOSIT (P1+AND EQUIVALENT