Equity

Debt

-: Prepared by :Amit rathod Avani unadkat

Kalpesh kothari

Disha bhatt Shriti lal

Vaishali desai

Ritu parekh

Its like 4 pillars of Building

The 4 C Concept

1st C = Creation of Income (Kamani)

From Business From Service Salary From Property Investment From Agriculture

Other Incomes

Every Family has 1st C = Creation of Income

2nd C = Consumation of Income (Kharch)

Own Expenses Family Expenses
Food, Clothes House Rent, Electricity, Telephone Education, Medical Milk Bill, Laundry Fuel Social Expenses Other Liabilities

Every Family has 2nd C = Consumption of Income

Some families arrange for 4th C

Bank Deposit Savings, post office, P.P.F. Properties Insurance Policy etc.

Happy Family

Death or Disability
Death is Certain but Date is not Certain

Effect of Uncertainty
1st C (kamani) = 0 2nd C (Kharcha) = Still Continue - Family Expenses - Children Education and Expenses - Food, Cloths, Medical - Social Expenses, Parents Expenses - Loan, Liabilities etc.

Family Members Depends on

4th C = Saving
100 90 80 70 60 50 40 30 20 10 0 1 Yrs. 2 Yrs. 3 Yrs. 4 Yrs 5 Yrs.

One day 4C become Zero

Building Collapse

Why
our building is like this ?

3rd C = Continuation of Investment

Most Family fail to recognize the importance of arranging for 3rd C (Savings).

INVESTMENT

Start Saving Early The longer you save, the more you make Save Regularly Even a small amount saved regularly, is good

Invest in the Right Asset Class This will dictate how much wealth you create

What is a Mutual Fund ?

A pool of money, collected from investors, and is invested according to certain investment objectives

Organisation of a Mutual Fund

Reliance Capital Trustee Co. Ltd

Reliance Capital Ltd. Reliance Asset Management Company

Reliance Mutual Fund Deutsche Bank, AG

Reliance Capital Asset Management Limited

 Net Asset Value (NAV) Net Asset Value is the market value of the assets of the scheme minus its liabilities. The per unit NAV is the net asset value of the scheme divided by the number of units outstanding on the Valuation Date. Sale Price Is the price you pay when you invest in a scheme. Also called Offer Price. It may include a sales load. Repurchase Price Is the price at which a close-ended scheme repurchases its units and it may include a back-end load. This is also called Bid Price.

 Redemption Price
Is the price at which open-ended schemes repurchase their units and close-ended schemes redeem their units on maturity. Such prices are NAV related.

Sales Load
Is a charge collected by a scheme when it sells the units. Also called, Front-end load. Schemes that do not charge a load are called No Load schemes.

Repurchase or Back-end Load

Is a charge collected by a scheme when it buys back the units from the unit holders.

Types of Funds ( By Investment Objective )

 Investment Objective: To generate long term capital appreciation by investing in equities. Liquidity: Risk: 3 business Days High

Recommended investment Horizon: Minimum 5 years Applicable Loads : Entry Load NIL Exit Load 0.5% for six months

 Classification based on Market Capitalisation Large Cap Funds Mid Cap Fund Small Cap Funds Invest in Large Cap Stocks Invests primarily in Mid Cap Stocks Invests in Small Cap Stocks

Classification based on Style

Growth Funds Invests in high/fast growing companies Value Funds Invests in out of favor stocks where the market price has fallen below its intrinsic value Prudential ICICI Discovery Funds Templeton India Growth Funds Blend Funds No restriction based on style UTI Growth & Value Fund

 Other Classification Index Funds Mirrors an index/benchmark returns inline of the index

Sector Funds Invests in stocks of a particular sector. E.g.: Pru Technology Fund, Franklin Pharma Fund
Select Sector Funds Invests in Multiple Sectors. E.g.: Tata Select Sector Fund, Principal Focused Advantage Fund Theme Funds - Invests in stocks /companies which have a common underlying theme. E.g. Chola Global Advatage Funds, Alliance buy India

Dividend Yield Funds Invests in High Dividend Yield companies. E.g.: Tata Dividend Yield, Principal Dividend Yield
International Equity Funds- Invests in companies registered in other countries. E.g. Principal Global Opportunities Fund

Sector funds Balanced funds based on flexible asset allocation Growth funds High yield debt funds Diversified equity funds Index funds Value funds Equity income funds Balanced funds based on fixed asset allocation Monthly income plans Capital protection oriented funds Diversified debt funds Gilt funds Money market funds

Name of Holding
Portfolio Characteristics

As on 31/08/11 Average Mkt Cap (Rs Cr) Market Capitalization Giant Large Mid Small Tiny

Asset Allocation

14,187.15 % of Portfolio 27.78 19.67 38.50 14.05 --

% As on 31/08/11 Net Assets Equity 94.60 Debt 0.00 Cash & Cash Eq. 5.40 Commodities 0.00

Bank of Baroda ICICI Bank Reliance Industries H C L Technologies Lupin E I D-Parry (I) GSFC State Bank of India Jindal Saw Divi's Laboratories GMDC Ranbaxy Laboratories Jindal Steel & Power Financial Technologies United Phosphorus BhartiAirtel Greaves Cotton Infosys Technologies Federal Bank Strides Arcolab Sintex Industries Mahindra & Mahindra RadicoKhaitan HT Media Indiabulls Financial Ser

% Net Assets 4.43 4.01 3.68 3.66 3.60 3.19 3.14 3.11 3.00 2.92 2.91 2.53 2.39 2.39 2.30 2.30 2.28 2.07 2.06 1.92 1.86 1.85 1.71 1.64 1.61

Current Stats & Profile Latest NAV 13.3344 (20/09/11) 52-Week High 13.3344 (20/09/11) 52-Week Low 12.3916 (21/09/10) Fund Category Debt: Income Type Open End Launch Date November 2004 Risk Grade Average Return Grade Below Average Net Assets (Cr) 36.54 (30/06/11) Benchmark Crisil Comp BFI

Relative Performance (Fund Vs Category Average)

 Investment Objective : To generate long term capital appreciation by investing in equities, maintain an optimum balance between the debt component & equity component and generate periodic income by managing the debt component

Liquidity : 3 business Days

Asset Allocation : Debt 0% - 50% Equity 50%-80%

Risk :
The exposure in equity can make the returns volatile. Generally there is a moderate risk on the debt component as are of short duration nature.

Recommended investment Horizon: Minimum 3 years Applicable Loads : Entry Load NIL Exit Load 0.5% for six months

Identify What to Buy

Banks, Financial Svc. Cos., Brokers, Individual Agents

 AMFI was established in India in 1993, The AMFI is dedicated to developing the Indian MF industry on professional,health and ethical lines and to enhance and maintain std. in all areas with a view to protecting and promoting the interest of MF and their unit holders.

 To develop a cadre of well-trained agent distributors & to implement a Programme of training & certificate for all intermediaries. To undertake nation wide investor awareness programme. To disseminate info. on MF industry & to undertakes studies & research directly with other bodies. To define & maintain high professional & ethical stds. To recommend & promote best business practices & code of conduct to be followed by members. To interact & to represent with SEBI. To represent to govt., the RBI & other bodies.

 Fund Of Funds is a fund that invests in other funds instead of securities. Super SIP isn't a fund but a way of buying funds that combines long-term SIP with term insurance. ETF is a hybrid financial product, a cross between a stock and a mutual fund .