1407-408 Abhishilp Opp.Vishweshwar Mahadev Temple Nr. Keshavbag Party Plot Vastrapur, Ahmedabad-380015 Phone: 079-26730583 , 40086763 Email: oswaldhan@gmail.com

INVESTMENT OPPORTUNITIES IN DEBT MARKETLiquid Fund : Expected returns 8.00 to 9.00%

Low Duration Fund : Investment Horizon 3 Months & above Expected returns 8.50 to 8.75%

Short term Income Plan : Investment horizon 1 year & above Expected returns 9 to 9.5%

FMPs: 6 Months, 1year, 2year, 3year FMP available Expected returns 1 year 8.5 8.75% 2 year 8.75 8.85% 3 year 8.85 9.30%

RECOMMENDATIONIf the horizon is 9 months to 1 year short term income plan provides the best investment opportunity.

Short term & Medium term plan with duration of 2-3years provides good investment opportunities.

Accrual income funds having high portfolio yield with average maturities 2 to 3 years can give good returns for investors who doesnt want to take duration risk averse.

Income Fund and Gilt fund with duration of 10 to 20 years provides attractive investment opportunities and will be beneficiary of falling interest rate scenario. Suitable for investments horizon for 12-18 month and for investors ready to take short term volatility.

The FMP also offers attractive yield if someone wants to lock in fund for specified period.

OUTLOOK FOR DEBT MARKET

Looking at the current economics scenario , inflation is likely to come down and hence the interest rates can come down.

Short term yield of the curve offers good entry point.

Aggressive investor can invest in the long end of the curve. Currently Yield on 10 year GOI Security is around 8.50% and is very attractive for aggressive investor to invest.

Long term Interest rates will depend on inflation no, fiscal deficit, OMO and the policy initiative taken by the new Govt.

EQUITY MARKET VALUATIONS

OUTLOOK FOR EQUITY MARKETWith the stable government at the centre, markets are likely to do well.

Market available at PE of 15 times of the FY 15-16 earnings which is reasonable.

Corporate earnings likely to accelerate to 15-18% in the next two years which will take the markets to higher levels.

Markets to give return in line with corporate earning growth. There will be short term market volatility but markets will take directions from Q2 results.

Midcaps and small cap stocks are available at 10-15% discount to large cap and hence provide attractive entry point . Investors who are under invested in equity are advised to increase their exposure at every dip.

Good time to build equity portfolio through combination of lumpsum and STP.

PERFORMANCE OF RECOMMENDED FUNDS

EQUITY FUNDS

MIDCAP FUNDS

BALANCED FUNDS

MONTHLY INCOME PLAN

SYSTEMATIC INVESTMENT PLAN

PERFORMANCE FROM PEAK OF 2008

PERFORMANCE OF RECOMMENDED FUNDS EQUITY FUNDS

Sheet1

DIVERSIFIED EQUITY FUND PERFORMANCE AS ON 30th September 2014

InceptionCompounded Annualized (%)

Scheme NameTypeDate1 Yrs2 Yrs3 Yrs5 Yrs7 Yrs10 Yrs15 YrsSince Inception

Birla Sun Life Dividend YieldDivid YieldFeb-0359.2220.2116.8314.7914.0618.85--24.54

UTI Dividend Yield FundDivid YieldMay-0544.9316.6914.2912.6211.95---17.37

Birla Sun Life Frontline Equity fundLargecapAug-0250.0025.5722.7714.2612.0222.0925.92-25.67

DSP BlackRock Top 100 Equity FundLargecapMar-0343.8818.2917.0511.0310.0320.62--26.64

Franklin India Bluechip FundLargecapDec-9341.4118.5616.4212.579.6419.3625.7121.4223.44

HDFC Top 200 FundLargecapSep-9660.0422.8219.9013.4812.6422.5429.1920.7422.59

ICICI Prud. Focussed Bluechip FundLargecapMay-0846.4823.5821.1415.65----16.43

Reliance Regular Savings Fund EquityLargecapJun-0559.6720.3520.0712.1312.86---17.63

ICICI Prud. Discovery FundValueAug-0488.9636.6632.3621.8618.7625.42--25.45

Templeton India Growth FundValueSep-9661.3423.2520.2012.1410.5119.0825.2619.8219.69

ICICI Prud. Dynamic PlanDiv. EquityOct-0250.0425.8322.5816.0512.4923.87--27.22

DSP BlackRock Equity FundDiv. EquityApr-9762.2022.2718.2412.9911.04---13.29

Franklin India Prima PlusDiv. EquitySep-9458.9526.3221.8915.8311.3121.5927.0321.2420.55

HDFC Equity FundDiv. EquityJan-9573.1726.5721.7615.9013.4823.2729.5023.4921.53

L&T Equity FundDiv. EquityMay-0554.1522.7918.9514.3610.67---19.57

Reliance Equity Opportunities FundDiv. EquityMar-0571.1826.4925.7020.6314.81---21.68

Reliance Growth FundDiv. EquityOct-9567.0823.4419.9412.4010.6423.0631.0925.0725.12

UTI Opportunities FundDiv. EquityJul-0547.3822.0020.5514.9513.56---17.87

CNX Nifty Index38.9118.1617.239.396.8116.3919.2512.2214.81

S&P BSE Sensex37.4119.1417.439.236.3616.9119.9812.1614.82

PERFORMANCE OF RECOMMENDED FUNDS MIDCAP FUNDS

Sheet1

MIDCAP FUND PERFORMANCE AS ON 30th September 2014

Scheme NameInceptionCompounded Annualized

Date1 Year2 Yrs3 Yrs5 Yrs7 Yrs10 YrsSince Inception

Axis Midcap FundMar-0034.6430.43-----23.82

Birla Sun Life Mid Cap Fund - Plan AMar-0024.5820.9013.2610.2121.47--26.93

DSP BlackRock Small and Midcap FundMar-0028.0822.5918.6513.41---14.91

HDFC Mid-Cap Opportunities FundMar-0033.6828.3023.6216.65---16.97

IDFC Premier Equity Fund - RegMar-0029.6624.4921.0917.65---22.19

IDFC Sterling Equity FundMar-0025.4422.0918.67----18.93

Sundaram Select Midcap - RegMar-0030.0125.6618.2213.5725.7432.2-31.39

Franklin India Prima FundMar-0035.7129.7320.2111.8520.5128.6523.1121

Franklin India Smaller Companies FundApr-0043.8636.0523.313.98---14.19

CNX MidcapMar-0019.8517.0511.177.2617.0823.51-18.14

22.93

26.76

14.49

16.58

21.87

18.22

31.14

20.88

13.89

18.08

BALANCED FUNDSPERFORMANCE OF RECOMMENDED FUNDS

Sheet1

BALANCED FUND PERFORMANCE AS ON 30th September 2014

Scheme NameInceptionCompounded AnnualizedSince

Date1 Yr2 Yrs3 Yrs5 Yrs7 Yrs10 Yrs15 YrsInception

Birla Sun Life 95Feb-9547.2522.3918.7613.8111.8119.0222.1918.0822.45

DSP BlackRock Balanced FundMay-9946.9917.7315.1111.2010.1917.2521.7015.1415.71

FT India Balanced FundDec-9946.7721.9818.3812.679.6716.4020.00-14.85

FT India Dynamic PE Ratio FoFNov-0327.8913.3012.4510.1710.0316.65--17.38

HDFC Balanced FundSep-0060.8624.4820.7418.3515.5418.5421.05-17.47

HDFC Prudence FundFeb-9468.2223.8920.1016.8414.4721.6526.4121.5820.29

ICICI Prudential Balanced AdvantageDec-0635.7020.4920.1314.8010.34---11.42

ICICI Prudential BalancedNov-9950.3825.7222.6716.9410.9617.3220.6415.1815.15

Reliance RSF - BalancedJun-0555.2321.1020.8914.6414.36---14.69

Tata Balanced FundOct-9550.3224.0322.2915.9912.7619.7823.30-17.95

Crisil Balanced Fund Index26.9614.6314.338.957.7813.0514.88-13.52

S&P BSE Sensex37.4119.1417.439.236.3616.9119.9812.1614.82

CNX Nifty Index38.9118.1617.239.396.8116.3919.2512.2214.81

MONTHLY INCOME PLANPERFORMANCE OF RECOMMENDED FUNDS

Sheet1

MONTHLY INCOME PLANS PERFORMANCE AS ON 30th September 2014

Scheme NameInceptionDebtEquityCompounded Annualized

DateMinimumMaximum1 Year2 Yrs3 Yrs5 Yrs7 Yrs10 YrsSince Inception

Canara Robeco MIPApr 8875%25%19.9712.0411.329.389.3512.1911.789.38

HDFC MIP Long termDec 0375%25%26.0612.1711.579.9310.3811.72-11.46

ICICI Prudential MIP 25Mar-0470%30%21.4412.4612.119.438.8710.53-10.21

Kotak Monthly Income PlanDec-0380%20%19.4711.0411.038.686.547.75-7.35

Reliance MIPJan 0480%20%21.3111.1811.479.7311.4211.41-10.88

Crisil MIP Blended Index15.129.169.657.637.458.128.538.34

PERFORMANCE OF RECOMMENDED FUNDS SIP( Systematic Investment Plan)

Sheet1

SIP PERFORMANCE AS ON 30th September 2014

If you had invested Rs. 1000 every month

No. of yearsType ofLaunch3 Year5 Year10 Year15 Year

Amount investedFundDate3600060,000120,000180,000

ValueReturnValueReturnValueReturnValueReturn

(in Rs.)(%)(in Rs.)(%)(in Rs.)(%)(in Rs.)(%)

FT India Dynamic PE Ratio FoFDynamic PEOct' 034539515.608072311.8023913713.20

HDFC Balanced FundBalancedSep' 005487929.3010049020.7031088918.1049303319

HDFC Prudence FundBalancedFeb' 945496929.509800719.7032538918.90122778122.8260300722125071323

Birla Sun Life Frontline Equity FundLarge CapAug' 025473629.109646419.0031539618.40

DSP BlackRock Top 100 Equity FundLarge CapMar 034973422.108666514.7027822916.00

Franklin India Bluechip FundLarge CapDec' 934950821.808715314.9027137415.6099846120.4852502720101409320.6

HDFC Top 200 FundLarge CapOct' 965373227.809330117.7031394518.30137834724.1265945323.3141530224.4

ICICI Prudential Focused Bluechip Equity FundLarge CapMay 085325827.109614118.90

Reliance RSF - Equity FundLarge CapAug. 025382627.909118016.70

Birla Sun Life Dividend Yield PlusDivi. YieldFeb 035251826.109196417.1029348717.00

DSP BlackRock Equity FundDiv. EquityApr 975363327.609209517.10

L&T Equity FundDiv. EquityMar 055345427.409345817.70

Franklin India Prima PlusDiv. EquitySep. 945571130.509925020.2031169418.10120949222.65

HDFC Equity FundDiv. EquityJan. 955692732.109848519.9033358519.40147979224.91

HDFC Growth FundDiv. EquitySep 005038023.008758815.1027865816.10

ICICI Prudential Dynamic PlanDiv. EquityOct 025524829.709824019.7032990419.20

Reliance Equity Opportunities FundDiv. EquityMar 055708132.2010510822.50

ICICI Prudential Discovery FundValue FundAug 046559443.0011861527.6040848723.10

Templeton India Growth FundValue FundMar 055383927.909084816.6027890716.10100357920.79

HDFC Mid-Cap Opportunities FundMid CapJun 076383840.9011814327.40

IDFC Premier Equity FundMid CapSep. 055938835.3010940124.20

Reliance Growth FundMid CapOct. 955537330.009339417.7029749817.30183570927.35

Franklin India Taxshield FundTax SavingApr 995574730.5010058520.8030786917.901147631114182222.00

HDFC Long Term Advantage FundTax SavingJun 075594930.809877520.0028582716.50

HDFC Taxsaver FundTax SavingJan 965644531.409741519.4030101217.501419508137655624.10

ICICI Prudential TaxplanTax SavingOct. 955906434.9010471122.4031800518.50139297924.39

NSE - CNX NiftyIndex4948521.808502413.9023500112.9062358815.12

S&P BSE - SensexIndex4969322.108529814.0023677213.0064933215.59

PERFORMANCE FROM PEAK OF 2008PERFORMANCE OF RECOMMENDED FUNDS

Sheet1

PERFORMANCE FROM THE PEAK AS ON 30th September 2014

Scheme NameType of FundDatePeak NAVCurrent DateCurrent NAVAbsolute RetCAGR

HDFC Prudence FundBalanced8-Jan-08163.7530-Sep-14350.94114.31%11.99%

HDFC Balanced FundBalanced8-Jan-0841.5030-Sep-1496.21131.85%13.31%

DSP BR Equity FundDiversified Equity8-Jan-0815.4230-Sep-1424.9261.69%7.40%

Franklin India Prima PlusDiversified Equity8-Jan-08213.9330-Sep-14375.2675.41%8.71%

L&T Equity FundDiversified Equity8-Jan-0832.3730-Sep-1454.9069.63%8.17%

Reliance Equity Opportunities FundDiversified Equity8-Jan-0832.0630-Sep-1466.30106.78%11.40%

ICICI Pru. Dynamic PlanDiversified Equity8-Jan-0894.3630-Sep-14176.4386.97%9.74%

HDFC Equity FundDiversified Equity8-Jan-08225.2130-Sep-14443.0596.73%10.57%

HDFC Growth FundDiversified Equity8-Jan-0881.7130-Sep-14124.7452.66%6.49%

Birla Sun Life Dividend Yield PlusDividend Yield8-Jan-0865.7330-Sep-14128.9896.23%10.53%

Reliance Regular Savings FundLarge Cap8-Jan-0830.5030-Sep-1445.5149.18%6.12%

Birla Sun Life Frontline Equity FundLarge Cap8-Jan-0882.0030-Sep-14145.3577.26%8.88%

DSP BR TOP 100 Equity FundLarge Cap8-Jan-0894.8930-Sep-14146.3154.19%6.64%

Franklin India Bluechip FundLarge Cap8-Jan-08194.7030-Sep-14314.2961.42%7.37%

HDFC Top 200 FundLarge Cap8-Jan-08172.5530-Sep-14323.2987.36%9.78%

Reliance Growth FundMid Cap8-Jan-08479.9430-Sep-14705.8047.06%5.90%

IDFC Premier Equity FundMid Cap8-Jan-0828.0930-Sep-1461.88120.28%12.45%

HDFC Mid-Cap Opportunites Fund-Gr.Mid Cap8-Jan-0813.3230-Sep-1431.88139.38%13.85%

FT India Dynamic PE Ratio FundsPE Ratio Fund8-Jan-0832.0030-Sep-1456.4076.24%8.78%

Franklin India TaxshieldTax Saving8-Jan-08197.3030-Sep-14362.2483.59%9.45%

HDFC Long Term Advantage FundTax Saving8-Jan-08131.8030-Sep-14227.1972.37%8.42%

HDFC TaxsaverTax Saving8-Jan-08207.2230-Sep-14370.1778.63%9.00%

ICICI Prudential TaxplanTax Saving8-Jan-08131.3530-Sep-14249.6290.04%10.01%

Templeton India Growth FundValue Fund8-Jan-08107.5530-Sep-14174.8162.54%7.48%

ICICI Pru. Discovery FundValue Fund8-Jan-0837.8730-Sep-1499.30162.21%15.40%

Sensex8-Jan-0820873.3330-Sep-1426630.5127.58%3.68%

Birla Sun Life Dividend Yield Plus

DSP BR TOP 100 Equity Fund

L&T Equity Fund

Birla Sun Life Frontline Equity Fund

Reliance Growth Fund

HDFC Prudence Fund

HDFC Top 200 Fund

Reliance Regular Savings Fund

HDFC Mid-Cap Opportunites Fund-Gr.

Thank You