Return Guarantee Fund

Presentation Structure Return Guarantee Fund: Our New Offering RGF: Benefits & Advantages Fund Launch: Process & FAQs

Customer Journey Fear is still the dominant emotion today & Guarantee is a strong desire Wow ! I feel great about this investment Maybe the markets are not for me Temporary Setback I am a long term investor 2007 2008 Desperation Relief Optimism Despondency Optimism Euphoria Thrill Excitement Depression Fear Denial Anxiety Panic Capitulation Hope

Competition ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

What is the Return Guarantee Fund? ,[object Object],[object Object],Fund Management Charge: 1.50% 100 100 Debt, Money market & Cash Min (%)‏ Max (%)‏ Indicative Portfolio Allocation

Reasons for launch Excellent customer response to LifeStage Assure Customer/ Sales feedback to extend this philosophy to other products Provide the flavor of guarantee to our existing products through the introduction of a fund Great opportunity in Debt in the current market scenario

Opportunity in Debt ,[object Object],[object Object],[object Object],Example : Bond A gives 7% returns. Its price is 100. Tomorrow, if interest rate falls to 6%, all new bonds give 6% except A which continues to give 7%. So Bond A becomes more valuable and hence its price will go up

Advantage: Debt funds With decrease in interest rates, bond price is set to increase If interest rates on 5 year G-Secs fall from 7% to 6%, bond price appreciates from Rs. 100 to Rs. 104.15 Interest Rate 7% 6% Rs. 104.15 Rs. 100

Opportunity in Debt ? Debt funds gave high returns Debt could be expected to perform better this year

Get the all round advantage RGF Life & Pension variants Upside Potential Guaranteed NAV Flexibility

Guaranteed NAV at Maturity Get a Minimum Guaranteed NAV of 15 on December 20, 2013 Rs.10 Rs.15 5 yrs

Snapshot of RGF Minimum Guaranteed NAV of 15 Term: 5 years Closed Ended Fund FMC: 1.50% Subscription starts on Dec 20, 2008 Subscription ends after 1 month Fund terminates on Dec 20, 2013

Upside Potential ,[object Object],[object Object],GET THE ADVANTAGE OF HIGHER RETURNS WITH THE PROMISE OF A MINIMUM GUARANTEE

Flexibility ,[object Object],[object Object],*Guarantee will not be applicable in such cases Partial Withdrawal and Surrender allowed at any point of time at the prevailing NAV* ,[object Object],[object Object],[object Object]

RGF – Features ,[object Object],[object Object],[object Object],[object Object],[object Object]

RGF - Features ,[object Object],[object Object],[object Object],[object Object]

Subsequent Premiums ,[object Object],[object Object],[object Object],[object Object],[object Object]

Automatic Transfer Strategy (ATS)‏ ATS allows you to invest a lump sum amount in Preserver and transfer a pre-defined amount every month into any one of the chosen equity funds (Multiplier, R.I.C.H., Flexi Growth)‏ Automatic Transfer Strategy is modification of Automatic Transfer Plan (ATP)‏ ,[object Object],[object Object],[object Object]

Automatic Transfer Strategy (ATS)‏ ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

LifeCycle Based Portfolio Strategy ,[object Object],[object Object],[object Object],[object Object]

RGF-For the volatile times ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

What happens on termination date of RGF? ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Limited Period Offer Hurry !!! Offer open only for Subscription period Rs.10 5 yrs Rs. 15

Words of wisdom Warren Buffett Invested $5billion in Goldman Sachs Investing $3 billion in General Electric - New York Times 23 rd Sept ’08 You know, five years from now, ten years from now, we'll look back on this period and we'll see that you could have made some extraordinary (stock market) buys. That doesn't mean it won't get more extraordinary a week or a month from now. I have no idea what the stock market is going to do next month or six months from now. I do know that the economy, over a period of time, will do very well, and people who own a piece of it will do well. - Warren Buffet He really meant it, when he said so See what he did Therefore, it might be one of the best time to make an investment

Return Guarantee Fund

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