ensure oct 2010

8/3/2019 Ensure Oct 2010

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The monthly fund performance update

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.

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Performance Summary

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The Investment Team Advises

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Glossary of Terms

October, 2010(As on September 30, 2010)

Invest for Tomorrow ,to Make the Most of Today

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Tomorrow Today

8/3/2019 Ensure Oct 2010


Performance Summary

* From the date of inception of the benchmark (2-April-2002)

Performance Summary



Glossary of Terms

ULIP Funds InvestShield Funds

Find your Fund


Pension Funds

Preserver 8.41% 8.07% 7.42% 6.11% 6.25% 5.84% 3.07 -0.21 17-May-04

Protector* 8.04% 7.13% 6.96% 6.36% 5.56% 5.85% 0.20 -0.22 15-Nov-01

Balancer* 9.18% 12.55% 14.38% 7.57% 11.04% 12.18% 0.61 0.45 15-Nov-01

Maximiser 8.19% 19.09% 25.35% 5.81% 18.39% 22.30% 0.63 0.56 15-Nov-01

Flexi Growth 7.79% NA 15.08% 5.53% NA 14.39% N.A. N.A. 20-Mar-07

Flexi Balanced 6.99% NA 11.35% 7 .30% NA 12.18% N.A. N.A. 20-Mar-07

Multiplier NA NA 3.40% NA NA 1.80% N.A. N.A. 26-Nov-07

R.I.C.H. Fund NA NA 17.22% NA NA 13.41% N.A. N.A. 17-Mar-08

Pension Preserver 8.22% 7.96% 7.27% 6.11% 6 .25% 5.84% 2.31 -0.21 17-May-04

Pension Protector 7.91% 7.08% 7.11% 6.36% 5 .56% 5.93% 0.20 -0.22 31-May-02

Pens ion Balancer 7 .94% 11.84% 14.90% 7.57% 11.04% 12.86% 0.58 0.45 31-May-02

Pens ion Maximiser 7 .54% 19.00% 27.03% 5.81% 18.39% 24.00% 0.62 0.56 31-May-02

Pension Flexi Growth 6.49% NA 14.59% 5.53% NA 14.39% N.A. N.A . 20-Mar-07

Pension Flexi Balanced 7.07% NA 12.41% 7.30% NA 12.18% N.A. N.A. 20-Mar-07

Pension Multiplier Fund NA NA 7.07% NA NA 5.86% N.A. N.A. 25-Feb-08

Pension R.I.C.H. Fund NA NA 17.43% NA NA 13.41% N.A. N.A. 17-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 IndicesSept 30,

2010 Aug 31,

2010% Change

BSE SENSEX 20,069 17,971 11.7

S&P CNX NIFTY (50) 6,030 5,402 11.6

INDIA BSE MIDCAP 8,084 7,597 6.4

CNX MIDCAP INDEX 9,164 8,680 5.6

Global IndicesSept 30,

2010 Aug 31,

2010% Change

Dow Jones Industrials 10,788 10,015 7.7

Hang Seng 22,358 20,537 8.9

FTSE 100 5,549 5,225 6.2

Nikkei 225 Stock Average 9,369 8,824 6.2

Fixed Income Yields

Sept 30,2010

Aug 31,2010

% Change

NSE Mibor 7.28% 5.13% 2.15%

5 year G-Sec 7.68% 7.68% 0.00%

5 year AAA 8.51% 8.54% -0.03%

10 year G-Sec 7.84% 7.95% -0.11%

10 year AAA 8.67% 8.78% -0.11%

Equity:The market gained ~12% for the month of Septemberbreaking out the range it had been trading for since the

beginning of the calendar year (YTD return as of Aug endis 4%). This was due to strong inflow of foreign money.For the month, FIIs bought US$ 6.3bn of stocks. This is thehighest ever inflow of foreign money in a single month.The domestic financial institutions continued to be on theselling side. As a result of the FII buying large cap indicesoutperformed the small and mid cap indices for themonth. Apart from the strong inflows better thanexpected economic data points also buoyed sentiments.IP growth accelerated to 13.8%YoY in July, far ahead ofexpectations.

OutlookWe continue to believe that upside in the near term islikely to be capped by a number of forces countering thestrong inflow of foreign money. These include weakerthan expected economic data points, supply of paper anddisappointing corporate earnings. The markets currentlytrade at ~20x FY11E. Thus, rich valuations are likely tolimit the upside. However, we continue to be positive on

Indian market from a long term perspective.

Fixed Income:RBI released its mid-quarter policy review during themonth of September wherein it hiked the Repo rate by

0.25% to 6% and Reverse Repo by 0.5% to 5%. Thiseffectively narrowed the interest rate corridor to 1%. Themeasures were driven by elevated inflation levels andbelief that the domestic growth will be able to withstandthe slowdown in the global economy in addition to thecontinuation of normalisation process. The Governmentannounced the borrowing auction calendar for thesecond half of the fiscal year 2010-11. As per the issuancecalendar, the government will borrow Rs, 163,000 croresas against the initially budgeted figure of Rs. 173,000crores. The government also hiked the FII investment limitin government and corporate rupee debt by USD 5 billioneach. The government securities rallied on the back ofthese factors and the 10 year benchmark security 7.80%,due in 2020, closed at a yield of 7.84% as on September29, 2010.

On the global front, the Fed left its benchmark federalfunds rate unchanged at 0-0.25%. The Fed presented asluggish outlook to the economic growth and signaledthat it would take new relief measures if economicconditions weakened further.

The IIP figure for the month of July was seen at 13.8%which was much higher than the market expectations.The WPI inflation for the month of August was noted at8.51%. The Indian Rupee appreciated to Rs. 44.95against the dollar as on September 29 , 2010.

Outlook:We expect the debt market to trade in a range withdomestic and international data to play a major role.Elevated inflation and tight system liquidity conditionswill continue to keep bond markets under pressure.However lower borrowing in second half and expected FIIinvestment in debt should act as positive triggers. Weexpect the Rupee to appreciate gradually to 44.00 againstthe US dollar by December end.

BenchmarkReturns

3yr 5yr

BSE 100 19.00 5.82 18.40

CRISIL Bond Index 5.46% 6.36% 5.56%

1yr

GDP Growth Rate

5 year CAGR FY 2008 FY 2009

8.30% 6.70% 7.40%

Economic IndicatorsSept 30,

2010 Aug 31,

2010Change

Rs/$ 44.95 47.08 -4.52%

F/X Reserve($ bln) 291.60 282.84 3.09%

Oil 79.97 73.54 8.74%

Gold (Rs./10 gm) 19,165 18,920 1.29%

FII Fund flow (INR mn) 291,959 111,857 180,102

MF Fund flow (INR mn) -72,363 -31,696 -40,667

DI I Fund flow (INR mn) -129,207 -45,138 -84,069

DII - MF fund flow 56,844 13,442 43,402

As on September 30, 2010

Equity Market Debt Market

Sept 30, 2010

Monthly Inflation (WPI) 8.51% 9.78%

Aug 31, 2010

Yield Curve

6%

7%

8%

9%

6m 1y 2y 3y 4y 5y 6y 10y 30y

Maturity

Au g-1 0 Se p-1 0Movement of Sensex and Nifty

17,000

17,500

18,000

18,500

19,000

19,500

20,000

20,500

5,000

5,200

5,400

5,600

5,800

6,000

6,200

6,400

Sen sex N if ty

1 - S e p

2 - S e p

3 - S e p

6 - S e p

7 - S e p

8 - S e p

9 - S e p

1 3 - S e p

1 4 - S e p

1 5 - S e p

1 6 - S e p

1 7 - S e p

2 0 - S e p

2 1 - S e p

2 2 - S e p

2 3 - S e p

2 4 - S e p

2 7 - S e p

2 8 - S e p

2 9 - S e p

3 0 - S e p

8/3/2019 Ensure Oct 2010


For full portfolio details please Click Here

Balancer

RISK PROFILE

E

x p e c t e d

r e t u r n

Risk

FUND OBJECTIVETo provide a balance between long-term capital appreciation andcurrent income through investment in equity as well as fixed incomeinstruments in appropriate proportions depending on marketconditions prevalent from time to time.

LifeStage Regular Premium IVLifeStage Assure IVLifeTime Plus IILifeTime Gold ILifeTime Super ILifeTime II ILifeTime IPremierLife Gold IIPremierLife IIWealth Advantage II

LifeLink Super IIILifeLink II IILifeLink ISmartKid New Unit Linked Regular Premium IISmartKid Unit Linked Regular Premium Plan II ISmartKid Unit Linked Regular Premium Plan ISmartKid New Unit Linked Single Premium IISmartKid Single Premium II ISmartKid Single Premium IGolden Years II

Equity & equity related securities 40 0Debt, Money Market & Cash 100 60

DATE OF INCEPTION: Nov 16, 2001

BENCHMARK

35% BSE 100&65% CRISIL Composite Bond Index

Indicative Portfolio Allocation

ASSET ALLOCATION

Max (%) Min (%)

Flexi Growth

Preserver

Flexi Balanced

Maximiser

RICH

ProtectorBalancer

Multiplier

InvestShield FundsPension Funds

ULIP Funds

APPLICABLE PRODUCTS

Product Balancer

PORTFOLIO

AUM (Rs. Million): 21,770.68

Allocation inFund

EQUITY 38.35%DEBT 59.94%OTHER CURRENT ASSETS AND EQUIVALENT 1.71%TOTAL 100.00%

Asset Allocation

Allocation as a% in Equity

BANKING 19.85%TECHNOLOGY 12.65%METALS & MINERALS 11.85%AUTO 8.86%OIL & GAS 8.22%

Top 5 Sectors In Equity


H D F C BANK LTD. 9.98%INFOSYS TECHNOLOGIES LTD. 7.60%AXIS BANK LTD. 6.78%BHARAT HEAVY ELECTRICALS LTD. 6.75%I T C LTD. 6.03%MAHINDRA & MAHINDRA LTD. 4.90%STERLITE INDUSTRIES (INDIA) LTD. 4.00%BHARTI AIRTEL LTD. 3.79%

TATA CONSULTANCY SERVICES LTD. 3.73%SHRIRAM TRANSPORT FINANCE CO. LTD. 3.59%

Top 10 Equity Stocks

Debt Asset Allocation

GOVERNMENT SECURITIES/ T BILLS 17.49%CORPORATE SECURITIES 32.19%

AAA AND EQUIVALENT 26.75%AA+ AND EQUIVALENT 2.26%AA EQUIVALENT AND BELOW 3.18%

CORPORATE MONEY MARKET SECURITIES 9.28%COMMERCIAL PAPER (P1+AND EQUIVALENT) 9.28%CERTIFICATE OF DEPOSIT (P1+ ANDEQUIVALENT) 0.00%

FIXED DEPOSITS WITH BANKS 0.97%

Allocation in Fund

Average Maturity of Debt Portfol io (Months) 53.38Average Maturity of Debt Benchmark (Months) 40.71 Yield to Maturity of Debt Portfolio 7.76%

*** Last Declared NAV (September 30, 2010)

* calculated with effect from 2-Apr-02, as benchmark did not existbefore this date

ANNUALIZED RETURNS

PERFORMANCE SUMMARY

NAV*** Rs.Balancer Fund 35.14Balancer Fund II 23.72Balancer Fund II I 16.25Balancer Fund IV 14.3

NAV GROWTH

Balancer Benchmark


Balancer Benchmark

0.00%

2.00%

4.00%

6.00%

8.00%

10.00%

12.00%

14.00%

16.00%

3 Year 5 Year Since inception*

10

12

14

16

18

20

22

24

26

28

30

32

34

36

A pr-0 2 S ep- 03 J an -0 5 J ul -0 6 N ov -0 7 A pr -0 9 S ep- 10

http://iciciprulife.com/public/Fund-Performance/Portfolio-Details.htm





8/3/2019 Ensure Oct 2010


FUND OBJECTIVETo provide accumulation of income through investment in variousfixed income securities. The fund seeks to provide capital appreciationwhile maintaining a suitable balance between return, safety andliquidity.

RISK PROFILE

Protector

E

x p e c t e d

r e t u r n

Risk


APPLICABLE PRODUCTS





BENCHMARK

CRISIL Composite Bond Index


ASSET ALLOCATION

Max (%) Min (%)

InvestShield Funds

Flexi Growth

Preserver

Flexi Balanced

Maximiser

Pension Funds

RICH

ProtectorBalancer

Multiplier

ULIP Funds

Product Protector

NAV GROWTH

Protector Benchmark

PORTFOLIO

< 1 year 38.50%1-5 years 39.97%5-7 years 2.83%7-10 years 6.17%> 10 years 12.53%TOTAL 100.00%

Portfolio By Maturity Allocation inFund

Average Maturity of Debt Portfol io (Months) 45.38Average Maturity of Benchmark (Months ) 40.71 Yield to Maturity of Debt Portfolio 7.64%


Asset Allocation Allocation in Fund


PERFORMANCE SUMMARY

NAV*** Rs.Protector Fund 19.8149Protector Fund II 15.207Protector Fund III 13.9806Protector Fund IV 13.0544

ANNUALIZED RETURNS

* calculated with effect from 2-Apr-02, as benchmark did not existbefore this date

Protector Benchmark

GOVERNMENT SECURITIES / T BILLS 22.00%CORPORATE SECURITIES 44.50%


CORPORATE MONEY MARKET SECURITIES 19.45%COMMERCIAL PAPER (P1+ ANDEQUIVALENT) 19.45%CERTIFICATE OF DEPOSIT (P1+AND EQUIVALENT) 0.00%

FIXED DEPOSITS WITH BANKS 7.14%OTHER CURRENT ASSETS ANDEQUIVALENT 6.91%

TOTAL 100.00%


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*

11.00

12.00

13.00

14.00

15.00

16.00

17.00

18.00

19.00

20.00

A pr-0 2 S ep -0 3 Fe b- 05 J ul -0 6 De c-0 7 Ma y-0 9 Se p-1 0






8/3/2019 Ensure Oct 2010



Maximiser


Flexi Growth

Preserver

Flexi Balanced

Maximiser

RICH

ProtectorBalancer

Multiplier

ULIP Funds

PORTFOLIO



BANKING 20.67%TECHNOLOGY 11.91%METALS & MINERALS 10.31%AUTO 9.66%CONSUMER 8.73%OIL & GAS 8.47%CAPITAL GOODS 8.34%FINANCE 4.95%CEMENT 4.90%TELECOM 4.19%PHARMA & HEALTHCARE 2.35%RETAIL 1.86%EPC 1.51%REAL ESTATE 1.38%INFRASTRUCTURE 0.50%OTHERS 0.24%MEDIA 0.02%

Sector Allocation Allocation as a

% in Equity

H D F C BANK LTD. 9.82%INFOSYS TECHNOLOGIES LTD. 8.44%BHARAT HEAVY ELECTRICALS LTD. 6.94%AXIS BANK LTD. 6.39%I T C LTD. 6.37%MAHINDRA & MAHINDRA LTD. 5.35%STERLITE INDUSTRIES (INDIA) LTD. 4.61%BHARTI AIRTEL LTD. 4.19%RELIANCE INDUSTRIES LTD. 4.06%OIL & NATURAL GAS CORPN. LTD. 3.51%MARUTI SUZUKI INDIA LTD. 3.19%SHRIRAM TRANSPORT FINANCE CO. LTD. 2.87%TATA CONSULTANCY SERVICES LTD. 2.78%

JINDAL STEEL & POWER LTD. 2.47%A C C LTD. 2.42%LUPIN LTD. 2.35%TATA STEEL LTD. 2.08%PANTALOON RETAIL (INDIA) LTD. 1.86%DABUR INDIA LTD. 1.80%ORIENTAL BANK OF COMMERCE 1.80%

Top 20 Equity stocks Allocation as a

% in Equity

EQUITY 98.81%

DEBT AND OTHER CURRENT ASSETS &EQUIVALENT 1.19%

TOTAL 100.00%

Asset Allocation Allocation in

Fund

PERFORMANCE SUMMARY

NAV*** Rs.Maximiser Fund 74.35Maximi ser Fund II 41.29Maximi ser Fund III 18.8Maximiser Fund IV 14.71

ANNUALIZED RETURNS

FUND OBJECTIVETo generate long-term capital appreciation through investmentprimarily in equity and equity-related instruments.

RISK PROFILE

E x p e c t e d r

e t u r n

Risk

BENCHMARK

BSE 100

APPLICABLE PRODUCTS

LifeStage Regular Premium IVLifeTime Plus IILifeTime Super ILifeTime II ILifeTime IPremierLife Gold IIPremierLife IILifeLink Super IIILifeLink II IILifeLink ISmartKid New Unit Linked Regular Premium II

SmartKid Unit Linked Regular Premium Plan II ISmartKid Unit Linked Regular Premium Plan ISmartKid New Unit Linked Single Premium IISmartKid Single Premium II ISmartKid Single Premium IGolden Years II

Equity & equity related securities 100 75

Debt, Money Market & Cash 25 0



ASSET ALLOCATION

Max (%) Min (%)

Product Maximiser

NAV GROWTH

Maximiser Benchmark

Maximiser Benchmark


0.00%

5.00%

10.00%

15.00%

20.00%

25.00%

30.00%

3 Year 5 Year Since inception

8.00

16.00

24.00

32.00

40.00

48.00

56.00

64.00

72.00

Nov-01 May-03 Nov-04 Apr-06 Oct -07 Apr-09 Sep-10






8/3/2019 Ensure Oct 2010


Average Maturity of Portfolio (Months) 2.27Average Maturity of Debt Benchmark (Months) 2.23 Yield to Maturity of Debt Portfolio 6.37%


Debt

Portfolio by Maturity Allocation inFund

< 1 YEAR 98.31%

1- 5 YEARS 1.69%5 - 7 YEARS 0.00%

7- 10 YEARS 0.00%> 10 YEARS 0.00%TOTAL 100.00%

Preserver


Flexi Growth

Preserver

Flexi Balanced

Maximiser

RICH

ProtectorBalancer

Multiplier

ULIP Funds

FUND OBJECTIVETo provide suitable returns through low risk investments in debt andmoney market instruments while attempting to protect the capitaldeployed in the fund.

BENCHMARK

CRISIL Liquid Index

RISK PROFILE

Risk

APPLICABLE PRODUCTS

LifeStage Regular Premium IVLifeStage Assure IVLifeTime Plus ILifeTime Gold ILifeTime Super ILifeTime II ILifeTime IPremierLife Gold IIPremierLife IWealth Advantage I

LifeLink Super IIILifeLink II ILifeLink ISmartKid New Unit Linked Regular Premium ISmartKid Unit Linked Regular Premium Plan II ISmartKid Unit Linked Regular Premium Plan ISmartKid New Unit Linked Single Premium ISmartKid Single Premium II ISmartKid Single Premium IGolden Years I

Equity & equity related securities 0 0Debt instruments 50 0

Money Market & Cash 100 50

DATE OF INCEPTION: May 17, 2004


ASSET ALLOCATION

Max (%) Min (%)

Product Preserver

E

x p e c t e d r

e t u r n

PERFORMANCE SUMMARY

NAV*** Rs.Preserver Fund 15.783Preserver Fund III 14.2455Preserver Fund IV 12.7395

ANNUALIZED RETURNS

PORTFOLIO





CORPORATE MONEY MARKET SECURITIES 63.35%COMMERCIAL PAPER (P1+ ANDEQUIVALENT) 63.35%

CERTIFICATE OF DEPOSIT (P1+ ANDEQUIVALENT) 0.00%

FIXED DEPOSITS WITH BANKS 15.48%OTHER CURRENT ASSETS AND EQUIVALENT 5.97%

TOTAL 100.00%


NAV GROWTH

Preserver Benchmark

Preserver Benchmark


0.00%

1.00%

2.00%

3.00%

4.00%

5.00%

6.00%

7.00%

8.00%

9.00%


10.00

11.00

12.00

13.00

14.00

15.00

16.00

Aug-04 Aug-05 Aug-06 Aug-07 Sep-08 Sep-09 Sep-10



8/3/2019 Ensure Oct 2010


BANKING 19.27%OIL & GAS 16.57%

TECHNOLOGY 13.11%METALS & MINERALS 8.47%CONSUMER 7.57%FINANCE 7.51%AUTO 6.32%CAPITAL GOODS 5.03%TELECOM 3.18%EPC 2.61%INFRASTRUCTURE 2.54%CEMENT 2.53%PHARMA & HEALTHCARE 2.03%OTHERS 1.79%MEDIA 1.41%REAL ESTATE 0.07%


% in Equity

H D F C BANK LTD. 9.64%INFOSYS TECHNOLOGIES LTD. 8.32%I T C LTD. 6.79%RELIANCE INDUSTRIES LTD. 6.71%AXIS BANK LTD. 6.35%OIL & NATURAL GAS CORPN. LTD. 5.29%BHARAT HEAVY ELECTRICALS LTD. 4.37%TATA CONSULTANCY SERVICES LTD. 3.72%HOUSING DEVELOPMENT FINANCE CORPN. LTD. 3.68%STERLITE INDUSTRIES (INDIA) LTD. 3.49%BHARTI AIRTEL LTD. 2.96%MAHINDRA & MAHINDRA LTD. 2.96%LARSEN & TOUBRO LTD. 1.98%

JINDAL STEEL & POWER LTD. 1.72%TATA STEEL LTD. 1.66%SHRIRAM TRANSPORT FINANCE CO. LTD. 1.56%MARUTI SUZUKI INDIA LTD. 1.49%JAGRAN PRAKASHAN LTD 1.38%GAIL (INDIA) LTD. 1.36%PUNJAB NATIONAL BANK 1.30%

Top 20 Equity Stocks Allocation as a% in Equity

Multiplier


Flexi Growth

Preserver

Flexi Balanced

Maximiser

RICH

ProtectorBalancer

Multiplier

ULIP Funds

PERFORMANCE SUMMARY

NAV*** Rs.Multiplier Fund 11Multiplier Fund II 12.38Multiplier Fund III 12.11Multiplier Fund IV 12.34

ANNUALIZED RETURNS

PORTFOLIO


Allocation inFund

EQUITY 95.03%DEBT AND OTHER CURRENT ASSETS & EQUIVALENT 4.97%TOTAL 100.00%

Asset Allocation

Risk

E x p e c t e d r

e t u r n

FUND OBJECTIVETo provide long-term capital appreciation from equity portfoliopredominantly invested in NIFTY scrips.

RISK PROFILE

BENCHMARK

S&P CNX Nifty

APPLICABLE PRODUCTS

LifeStage Regular Premium IVLifeStage Assure IVLifeTime Plus IILifeTime Gold ILifeTime Super ILifeTime II ILifeTime IPremierLife Gold IIPremierLife IIWealth Advantage IILifeLink Super III

LifeLink II IILifeLink ISmartKid New Unit Linked Regular Premium IISmartKid Unit Linked Regular Premium Plan II IISmartKid Unit Linked Regular Premium Plan IISmartKid New Unit Linked Single Premium IISmartKid Single Premium II IISmartKid Single Premium IGolden Years II





ASSET ALLOCATION

Max (%) Min (%)

Product Multiplier



NAV GROWTH

Multiplier Benchmark

Multiplier Benchmark


0.00%

5.00%

10.00%

15.00%

20.00%

25.00%

1 Year Since inception

4.00

5.00

6.00

7.00

8.00

9.00

10.00

11.00

12.00

Nov-07 Aug-08 Apr-09 Jan-10 Sep-10



8/3/2019 Ensure Oct 2010



RICH


Flexi Growth

Preserver

Flexi Balanced

Maximiser

RICH

ProtectorBalancer

Multiplier

ULIP Funds

RISK PROFILE

FUND OBJECTIVETo generate superior long-term returns from a diversified portfolio ofequity and equity related instruments of companies operating in fourimportant types of industries, viz., Resources, Investment-related,Consumption-related and Human Capital leveraged industries.

APPLICABLE PRODUCTS



DATE OF INCEPTION: Mar 17, 2008

Product RICH

PERFORMANCE SUMMARY

NAV*** Rs.R.I.C.H. Fund 14.97R.I.C.H. Fund II 15.29R.I.C.H. Fund III 14.99R.I .C.H. Fund IV 15.28

ANNUALIZED RETURNS

PORTFOLIO


Allocation inFund


Asset Allocation


TECHNOLOGY 9.39%FINANCE 9.29%METALS & MINERALS 8.26%CONSUMER 8.08%AUTO 6.11%EPC 5.14%CAPITAL GOODS 4.99%INFRASTRUCTURE 4.37%PHARMA & HEALTHCARE 4.16%OTHERS 3.49%TELECOM 3.08%CEMENT 1.93%REAL ESTATE 1.35%MEDIA 0.52%


% in Equity

RELIANCE INDUSTRIES LTD. 8.05%H D F C BANK LTD. 5.02%I T C LTD. 4.55%HOUSING DEVELOPMENT FINANCE CORPN. LTD. 3.77%BHARAT HEAVY ELECTRICALS LTD. 3.48%OIL & NATURAL GAS CORPN. LTD. 3.46%LARSEN & TOUBRO LTD. 3.22%INFOSYS TECHNOLOGIES LTD. 3.19%TATA CONSULTANCY SERVICES LTD. 2.55%PUNJAB NATIONAL BANK 2.35%JINDAL STEEL & POWER LTD. 2.23%KOTAK MAHINDRA BANK LTD. 2.09%BHARTI AIRTEL LTD. 2.07%

STERLITE INDUSTRIES (INDIA) LTD. 2.04%AXIS BANK LTD. 1.93%GODREJ CONSUMER PRODUCTS LTD. 1.89%J S W STEEL LTD. 1.85%INFRASTRUCTURE DEVELOPMENT FINANCE CO. LTD. 1.76%TATA MOTORS LTD. 1.57%MAHINDRA & MAHINDRA LTD. 1.53%

Top 20 Equity Stocks Allocation as a

% in Equity





ASSET ALLOCATION

Max (%) Min (%)

BENCHMARK

BSE 100

E x p e c t e d

r e t u r n

Risk

ANNUALIZED RETURNS

NAV GROWTH

RICH Benchmark

RICH Benchmark


0.00%

5.00%

10.00%

15.00%

20.00%

25.00%


5.00

6.00

7.00

8.00

9.00

10.00

11.00

12.00

13.00

14.00

15.00

Mar-08 Nov-08 Jun-09 Feb-10 Sep-10



8/3/2019 Ensure Oct 2010


BANKING 16.61%OIL & GAS 15.47%CAPITAL GOODS 10.78%OTHERS 9.23%TECHNOLOGY 8.06%

Top 5 SectorsIn Equity

H D F C BANK LTD. 6.95%OIL & NATURAL GAS CORPN. LTD. 6.43%RELIANCE INDUSTRIES LTD. 5.71%BHARAT HEAVY ELECTRICALS LTD. 5.01%STATE BANK OF INDIA 4.63%AXIS BANK LTD. 4.02%GUJARAT STATE PETRONET LTD. 3.48%N T P C LTD. 3.44%

TATA CONSULTANCY SERVICES LTD. 3.41%I T C LTD. 3.36%

Top 10 Equity Stocks



CORPORATE MONEY MARKET SECURITIES 13.52%

COMMERCIAL PAPER (P1+ ANDEQUIVALENT) 13.52%CERTIFICATE OF DEPOSIT (P1+ ANDEQUIVALENT) 0.00%


Allocation in FundDebt Asset Allocation

Average Maturity of Debt Portfolio (Months) 45.21Average Maturity of Debt Benchmark (Months) 40.71 Yield to Maturity of Debt Portfolio 7.38%


Allocation inFund

Flexi Balanced


Flexi Growth

Preserver

Flexi Balanced

Maximiser

RICH

ProtectorBalancer

Multiplier

ULIP Funds

FUND OBJECTIVETo achieve a balance between capital appreciation and stable returnsby investing in a mix of equity and equity related instruments of large,mid and small cap companies and debt and debt related instruments.

RISK PROFILE


PERFORMANCE SUMMARY

NAV*** Rs.Flexi Balanced Fund 14.62Flexi Balanced Fund II 15.44Flexi Balanced Fund III 14.49Flexi Balanced Fund IV 13.67

ANNUALIZED RETURNS

APPLICABLE PRODUCTS


LifeLink Super IIILifeLink II IILifeLink ISmartKid New Unit Linked Regular Premium IISmartKid Unit Linked Regular Premium Plan II ISmartKid Unit Linked Regular Premium Plan ISmartKid New Unit Linked Single Premium IISmartKid Single Premium II IISmartKid Single Premium IGolden Years II


Product Flexi Balanced




ASSET ALLOCATION

Max (%) Min (%)

BENCHMARK

55% CNX 500 & 45% CRISIL Composite Bond Index

PORTFOLIO


Asset Allocation




Risk

E x p e c t e d r

e t u r n

Flexi Balanced Benchmark

NAV GROWTH

Flexi Balanced Benchmark


0.00%

2.00%

4.00%

6.00%

8.00%

10.00%

12.00%

14.00%

16.00%


8.00

9.00

10.00

11.00

12.00

13.00

14.00

15.00

16.00

Mar-07 Feb-08 Dec-08 Nov-09 Sep-10



8/3/2019 Ensure Oct 2010


OIL & GAS 18.57%BANKING 15.49%

TECHNOLOGY 9.87%METALS & MINERALS 8.37%CONSUMER 6.92%CAPITAL GOODS 6.43%FINANCE 6.18%INFRASTRUCTURE 6.14%OTHERS 5.92%EPC 3.48%PHARMA & HEALTHCARE 3.14%AUTO 3.09%CEMENT 2.76%TELECOM 2.57%MEDIA 0.93%REAL ESTATE 0.15%

Sector Allocation

H D F C BANK LTD. 6.03%OIL & NATURAL GAS CORPN. LTD. 5.99%RELIANCE INDUSTRIES LTD. 4.35%AXIS BANK LTD. 3.84%I T C LTD. 3.35%N T P C LTD. 3.19%STATE BANK OF INDIA 2.95%TATA CONSULTANCY SERVICES LTD. 2.82%BHARAT HEAVY ELECTRICALS LTD. 2.67%LARSEN & TOUBRO LTD. 2.60%INFOSYS TECHNOLOGIES LTD. 2.54%OIL INDIA LTD. 2.47%KANSAI NEROLAC PAINTS LTD. 2.36%

GAIL (INDIA) LTD. 2.26%BHARTI AIRTEL LTD. 2.02%HOUSING DEVELOPMENT FINANCE CORPN. LTD. 1.99%LUPIN LTD. 1.76%STERLITE INDUSTRIES (INDIA) LTD. 1.71%WIPRO LTD. 1.71%BHARAT PETROLEUM CORPN. LTD. 1.57%

Flexi Growth

Pension Funds

ULIP Funds

Flexi Growth

Preserver

Flexi Balanced

Maximiser

RICH

ProtectorBalancer

Multiplier

InvestShield Funds

FUND OBJECTIVETo generate superior long-term returns from a diversified portfolio ofequity and equity related instruments of large, mid and small capcompanies.

APPLICABLE PRODUCTS


LifeLink Super IIILifeLink II IILifeLink ISmartKid New Unit Linked Regular Premium IISmartKid Unit Linked Regular Premium Plan II ISmartKid Unit Linked Regular Premium Plan ISmartKid New Unit Linked Single Premium IISmartKid Single Premium II IISmartKid Single Premium IGolden Years II


Product Flexi Growth




ASSET ALLOCATION

Max (%) Min (%)

BENCHMARK

S&P CNX 500

RISK PROFILE

PERFORMANCE SUMMARY

NAV*** Rs.Flexi Growth Fund 16.43Flexi Growth Fund II 16.84Flexi Growth Fund III 16.37Flexi Growth Fund IV 14.41

ANNUALIZED RETURNS


PORTFOLIO


Allocation inFund


Asset Allocation




Risk

E x p e c t e d r

e t u r n

NAV GROWTH

Flexi Growth Benchmark

Flexi Growth Benchmark


0.00%

5.00%

10.00%

15.00%

20.00%

25.00%


6.00

7.00

8.00

9.00

10.00

11.00

12.00

13.00

14.00

15.00

16.00

17.0018.00

19.00




8/3/2019 Ensure Oct 2010




CORPORATE MONEY MARKET SECURITIES 13.63%COMMERCIAL PAPER (P1+ ANDEQUIVALENT) 13.63%CERTIFICATE OF DEPOSIT (P1+ ANDEQUIVALENT) 0.00%


Debt Asset Allocation Allocation in Fund

Pension Balancer

InvestShield FundsULIP Funds

Pension Balancer

Pension Funds

Pension Protector

Pension RICHPension Multiplier

Pension Maximiser

Pension Flexi Balanced

Pension Preserver

Pension Flexi Growth


FUND OBJECTIVETo provide a balance between long-term capital appreciation andcurrent income through investment in equity as well as fixed incomeinstruments in appropriate proportions depending on marketconditions prevalent from time to time.

APPLICABLE PRODUCTS

LifeStage Pension ILifeTime Super Pension IILifeTime Pension II IILifeTime Pension IPremierLife Pension IILifeLink Super Pension IILifeLink Pension II IILifeLink Pension I


Product




ASSET ALLOCATION

Max (%) Min (%)

BENCHMARK

35% BSE 100 & 65% CRISIL Composite Bond Index

RISK PROFILE

E x p e c t e d r

e t u r n

Risk

Pension Balancer

PERFORMANCE SUMMARY

NAV*** Rs.Pension Balancer Fund 31.85Pension Balancer Fund II 23.51

PORTFOLIO



Allocation inFund

Asset Allocation

Top 5 Sectors in Equity Allocation as a

% in Equity

BANKING 21.47%METALS & MINERALS 13.43%FINANCE 10.67%EPC 9.92%CONSUMER 8.91%

H D F C BANK LTD. 8.12%HINDALCO INDUSTRIES LTD. 6.35%ALLAHABAD BANK 5.53%LARSEN & TOUBRO LTD. 5.41%BHARAT HEAVY ELECTRICALS LTD. 5.32%UNITECH LTD. 5.21%I T C LTD. 5.11%INFOSYS TECHNOLOGIES LTD. 4.92%

JAIPRAKASH ASSOCIATES LTD. 4.45%HOUSING DEVELOPMENT FINANCE CORPN. LTD. 4.27%


% in Equity



Pension Balancer Benchmark

NAV GROWTH

Pension Balancer Benchmark

ANNUALIZED RETURNS


0.00%

2.00%

4.00%

6.00%

8.00%

10.00%

12.00%

14.00%

16.00%


8

12

16

20

24

28

32

Ma y-0 2 O ct- 03 M ar-0 5 J ul- 06 De c- 07 Ma y-0 9 Se p-1 0



8/3/2019 Ensure Oct 2010


GOVERNMENT SECURITIES / T BILLS 27.60%CORPORATE SECURITIES 36.64%


CORPORATE MONEY MARKETSECURITIES 23.87%

COMMERCIAL PAPER (P1+ AND

EQUIVALENT) 23.87%CERTIFICATE OF DEPOSIT (P1+AND EQUIVALENT) 0.00%

FIXED DEPOSITS WITH BANKS 8.39%OTHER CURRENT ASSETS ANDEQUIVALENT 3.50%TOTAL 100.00%


Pension Protector


Pension Balancer

Pension Funds

Pension Protector


Pension Maximiser


Pension Preserver



FUND OBJECTIVETo provide accumulation of income through investment in variousfixed income securities. The fund seeks to provide capital appreciationwhile maintaining a suitable balance between return, safety andliquidity.

APPLICABLE PRODUCTS



Product




ASSET ALLOCATION

Max (%) Min (%)

BENCHMARK


Pension Protector

RISK PROFILE

E x p e c t e d r

e t u r n

Risk

PERFORMANCE SUMMARY

NAV*** Rs.Pension Protector Fund 17.7264Pens ion Protector Fund II 15.1204


PORTFOLIO





NAV GROWTH

Pension Protector Benchmark

ANNUALIZED RETURNS

Pension Protector Benchmark


0.00%

1.00%

2.00%

3.00%

4.00%

5.00%

6.00%

7.00%

8.00%

9.00%


10.00

11.00

12.00

13.00

14.00

15.00

16.00

17.00

18.00

May-02 Oct -03 Mar-05 Jul -06 Dec -07 May-09 Sep-10



8/3/2019 Ensure Oct 2010


Pension Maximiser


Pension Balancer

Pension Funds

Pension Protector


Pension Maximiser


Pension Preserver



FUND OBJECTIVETo generate long-term capital appreciation through investmentprimarily in equity and equity-related instruments.

APPLICABLE PRODUCTS



Product




ASSET ALLOCATION

Max (%) Min (%)

BENCHMARK

BSE 100

Pension Maximiser

RISK PROFILE

E x p e c t e d

r e t u r n

Risk

PERFORMANCE SUMMARY

NAV*** Rs.Pension Maximiser Fund 73.55Pension Maximiser Fund I I 42.5

PORTFOLIO


Allocation inFund


Asset Allocation

Allocation as a% in EquitySector Allocation

BANKING 19.34%TECHNOLOGY 12.38%

METALS & MINERALS 10.61%AUTO 9.38%OIL & GAS 8.59%CONSUMER 7.88%CAPITAL GOODS 7.08%CEMENT 5.84%PHARMA & HEALTHCARE 4.13%TELECOM 3.96%FINANCE 3.56%INFRASTRUCTURE 2.11%RETAIL 2.10%BROKERS 1.25%EPC 1.06%REAL ESTATE 0.59%OTHERS 0.16%

H D F C BANK LTD. 9.82%INFOSYS TECHNOLOGIES LTD. 8.30%BHARAT HEAVY ELECTRICALS LTD. 6.23%I T C LTD. 5.77%AXIS BANK LTD. 4.82%STERLITE INDUSTRIES (INDIA) LTD. 4.17%RELIANCE INDUSTRIES LTD. 4.00%BHARTI AIRTEL LTD. 3.96%MAHINDRA & MAHINDRA LTD. 3.92%MARUTI SUZUKI INDIA LTD. 3.80%OIL & NATURAL GAS CORPN. LTD. 3.44%TATA CONSULTANCY SERVICES LTD. 2.92%SHRIRAM TRANSPORT FINANCE CO. LTD. 2.42%A C C LTD. 2.37%JINDAL STEEL & POWER LTD. 2.34%TATA STEEL LTD. 2.20%LUPIN LTD. 2.19%PANTALOON RETAIL (INDIA) LTD. 2.10%DR. REDDY'S LABORATORIES LTD. 1.94%UNION BANK OF INDIA 1.87%



NAV GROWTH

Pension Maximiser Benchmark

ANNUALIZED RETURNS

Pension Maximiser Benchmark


0.00%

5.00%

10.00%

15.00%

20.00%

25.00%

30.00%


8.00

14.00

20.00

26.00

32.00

38.00

44.00

50.00

56.00

62.00

68.00

74.00

May-02 Oct -03 Mar-05 Jul -06 Dec -07 May-09 Sep-10



8/3/2019 Ensure Oct 2010





FIXED DEPOSITS WITH BANKS 12.63%OTHER CURRENT ASSETS AND EQUIVALENT 9.13%

TOTAL 100.00%


Pension Preserver


Pension Balancer

Pension Funds

Pension Protector


Pension Maximiser


Pension Preserver



FUND OBJECTIVETo provide suitable returns through low risk investments in debt andmoney market instruments while attempting to protect the capitaldeployed in the fund.

APPLICABLE PRODUCTS

LifeStage PensionLifeTime Super PensionLifeTime Pension IILifeTime PensionPremierLife PensionLifeLink Super PensionLifeLink Pension IILifeLink Pension


Product


Debt instruments 50 0

Money Market & Cash 100 50


ASSET ALLOCATION

Max (%) Min (%)

BENCHMARK

CRISIL Liquid Index

Pension Preserver

RISK PROFILE

E x p e c t e d r

e t u r n

Risk

PERFORMANCE SUMMARY

NAV*** Rs.Pension Preserver Fund 15.6382


< 1 YEAR 98.34%1- 5 YEARS 1.66%5 - 7 YEARS 0.00%7- 10 YEARS 0.00%> 10 YEARS 0.00%TOTAL 100.00%

Average Maturity of Debt Portfolio (Months) 2.42

Average Maturity of Debt Benchmark (Months) 2.23 Yield to Maturity of Debt Portfolio 6.46%


PORTFOLIO


NAV GROWTH

Pension Preserver Benchmark

ANNUALIZED RETURNS

Pension Preserver Benchmark


0.00%

2.00%

4.00%

6.00%

8.00%

10.00%


10.00

10.50

11.00

11.50

12.00

12.50

13.00

13.50

14.00

14.50

15.00

15.50

16.00

May-04 Dec-05 Jul-07 Feb-09 Sep-10



8/3/2019 Ensure Oct 2010



H D F C BANK LTD. 7.89%LARSEN & TOUBRO LTD. 6.45%HINDALCO INDUSTRIES LTD. 6.44%

I T C LTD. 5.75%HOUSING DEVELOPMENT FINANCE CORPN. LTD. 5.72%BHARAT HEAVY ELECTRICALS LTD. 5.30%INFOSYS TECHNOLOGIES LTD. 5.00%RELIANCE INDUSTRIES LTD. 4.97%UNITECH LTD. 4.71%JAIPRAKASH ASSOCIATES LTD. 4.67%MAHINDRA & MAHINDRA LTD. 3.76%J S W ENERGY LIMITED 3.09%AXIS BANK LTD. 3.06%KOTAK MAHINDRA BANK LTD. 3.05%J S W STEEL LTD. 3.04%GODREJ CONSUMER PRODUCTS LTD. 2.92%INDIAN BANK 2.55%JINDAL STEEL & POWER LTD. 2.49%H C L TECHNOLOGIES LTD. 2.36%

ALLAHABAD BANK 2.33%

Pension Multiplier


Pension Balancer

Pension Funds

Pension Protector


Pension Maximiser


Pension Preserver



FUND OBJECTIVETo provide long-term capital appreciation from equity portfoliopredominantly invested in NIFTY scrips.

APPLICABLE PRODUCTS


DATE OF INCEPTION: Feb 25, 2008

Product




ASSET ALLOCATION

Max (%) Min (%)

BENCHMARK

S&P CNX Nifty

Pension Multiplier

RISK PROFILE

E x p e c t e d

r e t u r n

Risk

PERFORMANCE SUMMARY

NAV*** Rs.Pension Multiplier Fund 11.94Pens ion Mult ipl ie r Fund II 12.23

Allocation inFund

Asset Allocation


BANKING 23.75%METALS & MINERALS 13.52%

EPC 11.11%CONSUMER 10.25%FINANCE 8.61%TECHNOLOGY 7.36%AUTO 6.39%OIL & GAS 5.90%CAPITAL GOODS 5.30%REAL ESTATE 4.71%INFRASTRUCTURE 3.09%


% in Equity


PORTFOLIO


NAV GROWTH

ANNUALIZED RETURNS

Pension Multiplier Benchmark


Pension Multiplier Benchmark

0.00%

5.00%

10.00%

15.00%

20.00%

25.00%


4.00

5.00

6.00

7.00

8.00

9.00

10.00

11.00

12.00

Feb-08 Oct-08 Jun-09 Feb-10 Sep-10



8/3/2019 Ensure Oct 2010


Pension RICH


Pension Balancer

Pension Funds

Pension Protector


Pension Maximiser


Pension Preserver



FUND OBJECTIVETo generate superior long-term returns from a diversified portfolio ofequity and equity related instruments of companies operating in fourimportant types of industries viz., Resources, Investment-realted,Consumption-related and Human Capital leveraged industries.

APPLICABLE PRODUCTS



Product




ASSET ALLOCATION

Max (%) Min (%)

BENCHMARK

BSE 200

Pension RICH

RISK PROFILE

E

x p e c t e d r

e t u r n

Risk

PERFORMANCE SUMMARY

NAV*** Rs.Pension R.I.C.H. Fund 15.04Pension R.I.C.H. Fund II 15.32


H D F C BANK LTD. 8.23%RELIANCE INDUSTRIES LTD. 5.50%BHARAT HEAVY ELECTRICALS LTD. 5.24%I T C LTD. 4.92%HOUSING DEVELOPMENT FINANCE CORPN. LTD. 4.87%STATE BANK OF INDIA 4.18%AXIS BANK LTD. 4.09%INFOSYS TECHNOLOGIES LTD. 3.33%GAIL (INDIA) LTD. 2.62%MARUTI SUZUKI INDIA LTD. 2.50%LARSEN & TOUBRO LTD. 2.38%TATA CONSULTANCY SERVICES LTD. 2.34%OIL & NATURAL GAS CORPN. LTD. 2.23%HINDUSTAN UNILEVER LTD. 2.06%

VOLTAS LTD. 1.95%MAHINDRA & MAHINDRA LTD. 1.93%BHARTI AIRTEL LTD. 1.80%OIL INDIA LTD. 1.79%TATA CHEMICALS LTD. 1.78%TATA STEEL LTD. 1.68%

Allocation inFund

Asset Allocation



CAPITAL GOODS 9.02%CONSUMER 8.96%FINANCE 8.36%AUTO 7.25%TECHNOLOGY 7.05%OTHERS 6.56%METALS & MINERALS 4.96%INFRASTRUCTURE 3.35%EPC 2.99%CEMENT 2.30%TELECOM 1.94%PHARMA & HEALTHCARE 1.59%MEDIA 0.41%REAL ESTATE 0.17%



PORTFOLIO


NAV GROWTH

Pension R.I.C.H Benchmark

ANNUALIZED RETURNS

Pension R.I.C.H Benchmark


0.00%

5.00%

10.00%

15.00%

20.00%

25.00%

30.00%


5.00

6.00

7.00

8.00

9.00

10.00

11.00

12.00

13.00

14.00

15.00

Mar-08 Nov-08 Jun-09 Feb-10 Sep-10

I tShi ld F dULIP F d



8/3/2019 Ensure Oct 2010




Pension Balancer

Pension Funds

Pension Protector


Pension Maximiser


Pension Preserver


FUND OBJECTIVETo achieve a balance between capital appreciation and stable returnsby investing in a mix of equity and equity related instruments of large,mid and small cap companies and debt and debt related instruments.

APPLICABLE PRODUCTS



Product



BENCHMARK

55% CNX 500 & 45% CRISIL Composite Bond Index


RISK PROFILE

E x p e c t e d r

e t u r n

Risk


ASSET ALLOCATION

Max (%) Min (%)

PERFORMANCE SUMMARY

NAV*** Rs.Pension Flexi Balanced Fund 15.12Pension Flexi Balanced Fund II 15.49







PORTFOLIO



Allocation inFund

Asset Allocation


% in Equity

OIL & GAS 14.68%BANKING 14.22%CAPITAL GOODS 11.51%OTHERS 11.24%TECHNOLOGY 8.81%

BHARAT HEAVY ELECTRICALS LTD. 7.18%OIL & NATURAL GAS CORPN. LTD. 6.37%RELIANCE INDUSTRIES LTD. 5.69%H D F C BANK LTD. 5.62%RALLIS INDIA LTD. 5.01%STATE BANK OF INDIA 4.62%TATA CONSULTANCY SERVICES LTD. 4.17%AXIS BANK LTD. 3.98%

N T P C LTD. 3.59%I T C LTD. 3.39%


% in Equity

Average Maturity of Debt Portfolio (Months) 44.10Average Maturity of Benchmark (Months) 40.71 Yield to Maturity of Debt Portfolio 7.41%


Pension Flexi Balanced Benchmark

NAV GROWTH

Pension Flexi Balanced Benchmark

ANNUALIZED RETURNS


0.00%

2.00%

4.00%

6.00%

8.00%

10.00%

12.00%

14.00%

16.00%


8.00

9.00

10.00

11.00

12.00

13.00

14.00

15.00

16.00





8/3/2019 Ensure Oct 2010




Pension Balancer

Pension Funds

Pension Protector


Pension Maximiser


Pension Preserver


FUND OBJECTIVETo generate superior long-term returns from a diversified portfolio ofequity and equity related instruments of large, mid and small capcompanies.

APPLICABLE PRODUCTS



Product



BENCHMARK

S&P CNX 500


RISK PROFILE

E x p e c t e d r

e t u r n

Risk


ASSET ALLOCATION

Max (%) Min (%)

PERFORMANCE SUMMARY

NAV*** Rs.Pension Flexi Growth Fund 16.18Pension Flexi Growth Fund II 16.64


Allocation inFund

Asset Allocation


OIL & GAS 16.72%BANKING 15.03%

METALS & MINERALS 8.99%CONSUMER 8.06%OTHERS 8.04%CAPITAL GOODS 7.52%TECHNOLOGY 7.21%INFRASTRUCTURE 6.60%FINANCE 6.33%AUTO 4.11%CEMENT 3.05%EPC 2.81%PHARMA & HEALTHCARE 2.65%TELECOM 1.80%MEDIA 0.55%BROKERS 0.45%REAL ESTATE 0.08%

H D F C BANK LTD. 6.23%OIL & NATURAL GAS CORPN. LTD. 5.30%RELIANCE INDUSTRIES LTD. 4.05%AXIS BANK LTD. 3.88%I T C LTD. 3.14%N T P C LTD. 2.81%BHARAT HEAVY ELECTRICALS LTD. 2.62%LARSEN & TOUBRO LTD. 2.59%TATA CONSULTANCY SERVICES LTD. 2.52%STATE BANK OF INDIA 2.47%GAIL (INDIA) LTD. 2.34%KANSAI NEROLAC PAINTS LTD. 2.29%INFOSYS TECHNOLOGIES LTD. 2.14%OIL INDIA LTD. 2.04%HOUSING DEVELOPMENT FINANCE CORPN. LTD. 1.92%BHARTI AIRTEL LTD. 1.80%STERLITE INDUSTRIES (INDIA) LTD. 1.68%TATA STEEL LTD. 1.57%SINTEX INDUSTRIES LTD. 1.54%VOLTAS LTD. 1.48%




PORTFOLIO


NAV GROWTH

Pension Flexi Growth Benchmark

ANNUALIZED RETURNS

Pension Flexi Growth Benchmark


0.00%

5.00%

10.00%

15.00%

20.00%

25.00%

30.00%


6.00

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


Pension FundsULIP Funds



8/3/2019 Ensure Oct 2010




CORPORATE MONEY MARKET SECURITIES 20.46%COMMERCIAL PAPER (P1+AND EQUIVALENT) 20.46%

CERTIFICATE OF DEPOSIT (P1+AND EQUIVALENT) 0.00%FIXED DEPOSITS WITH BANKS 6.52%OTHER CURRENT ASSETS ANDEQUIVALENT 0.18%

TOTAL 100.00%


Portfolio By Maturity


Allocation inFund

InvestShield Cash

Pension Funds

InvestShield Life InvestShield Pension InvestShield Life - New

ULIP Funds

InvestShield Funds

FUND OBJECTIVEThe investment objective of this Plan is to provide accumulation ofincome through investment in various fixed income securities. Inaddition to protecting the capital, the Plan seeks to provide capitalappreciation while maintaining suitable balance between return,safety and liquidity.

APPLICABLE PRODUCTS

InvestShield Cash

Product

DATE OF INCEPTION: Jan 3, 2005



ASSET ALLOCATION

Max (%) Min (%)

BENCHMARK


InvestShield Cash

RISK PROFILE

E x p e c t e d r

e t u r n

Risk

PERFORMANCE SUMMARY

NAV*** Rs.Cash Plus Fund 15.7576Cash Plus Fund II 15.0661




PORTFOLIO


NAV GROWTH

InvestShield C ash Benchmark

ANNUALIZED RETURNS

InvestShield Cash Benchmark

InvestShield Cash


0.00%

1.00%

2.00%

3.00%

4.00%

5.00%6.00%

7.00%

8.00%

9.00%

10.00%


Fund NAV taken on the basis of 4-jan-05Benchmark NAV taken on the basis of 4-jan-05

10.00

10.50

11.00

11.50

12.00

12.50

13.00

13.50

14.00

14.50

15.00

15.50

Jan-05 Jun-06 Nov-07 Apr-09 Sep-10




8/3/2019 Ensure Oct 2010


InvestShield Life

Pension Funds

InvestShield Cash InvestShield Pension

ULIP Funds

InvestShield Funds

FUND OBJECTIVETo provide a balanced investment between long-term capitalappreciation and current income while protecting the capital.Investment will be in fixed income instruments as well as equity inappropriate proportions, depending on market conditions prevalentfrom time to time.

APPLICABLE PRODUCTS

InvestShield Life

InvestShield Gold

Product




ASSET ALLOCATION

Max (%) Min (%)

BENCHMARK


InvestShield Life

RISK PROFILE

E x p e c t e d r

e t u r n

Risk

PERFORMANCE SUMMARY

NAV*** Rs.Invest sheild Fund - Life 18.88

GOVERNMENT SECURITIES/ T BILLS 20.36%

CORPORATE SECURITIES 27.35%



COMMERCIAL PAPER (P1+AND EQUIVALENT) 17.00%CERTIFICATE OF DEPOSIT (P1+AND EQUIVALENT) 0.00%




PORTFOLIO



Allocation inFund

Asset Allocation


% in Equity

BANKING 21.00%EPC 11.19%FINANCE 11.07%METALS & MINERALS 10.62%CAPITAL GOODS 8.12%

H D F C BANK LTD. 6.18%LARSEN & TOUBRO LTD. 5.45%SKS MICROFINANCE LIMITED 5.43%TATA GLOBAL BEVERAGES LIMITED 5.04%JAIPRAKASH ASSOCIATES LTD. 4.87%UNITECH LTD. 4.67%INFOSYS TECHNOLOGIES LTD. 4.60%BHARAT HEAVY ELECTRICALS LTD. 4.55%

KOTAK MAHINDRA BANK LTD. 4.55%RELIANCE INDUSTRIES LTD. 4.37%


% in Equity



NAV GROWTH

InvestShield Life Benchmark

ANNUALIZED RETURNS

InvestShield Life Benchmark

InvestShield Life InvestShield Life - New


0.00%

2.00%

4.00%

6.00%

8.00%

10.00%

12.00%

14.00%


9.00

10.00

11.00

12.00

13.00

14.00

15.00

16.00

17.00

18.00

19.00


ULIP Funds Pension Funds



8/3/2019 Ensure Oct 2010


InvestShield Pension

InvestShield Cash InvestShield Life InvestShield Life - New

ULIP Funds

InvestShield Funds


APPLICABLE PRODUCTS


Product




ASSET ALLOCATION

Max (%) Min (%)

BENCHMARK


InvestShield Pensioin

RISK PROFILE

E x p

e c t e d r

e t u r n

Risk

PERFORMANCE SUMMARY

NAV*** Rs.Invest sheild Fund - Pension 19.2





COMMERCIAL PAPER (P1+AND EQUIVALENT) 17.81%CERTIFICATE OF DEPOSIT (P1+AND EQUIVALENT) 0.00%




PORTFOLIO

AUM (Rs. Million): 355.09


Allocation inFund

Asset Allocation


% in Equity

BANKING 23.86%METALS & MINERALS 12.56%FINANCE 11.57%EPC 11.00%CAPITAL GOODS 8.82%

H D F C BANK LTD. 6.99%SKS MICROFINANCE LIMITED 5.45%LARSEN & TOUBRO LTD. 5.33%UNITECH LTD. 5.20%KOTAK MAHINDRA BANK LTD. 4.98%JAIPRAKASH ASSOCIATES LTD. 4.79%HINDALCO INDUSTRIES LTD. 4.55%BHARAT HEAVY ELECTRICALS LTD. 4.28%

MAHINDRA & MAHINDRA LTD. 4.28%RELIANCE INDUSTRIES LTD. 4.27%


% in Equity



NAV GROWTH

InvestShield Pension Benchmark

ANNUALIZED RETURNS

InvestShield Pension Benchmark

Pension Funds



0.00%

2.00%

4.00%

6.00%

8.00%

10.00%

12.00%

14.00%


9.00

10.00

11.00

12.00

13.00

14.00

15.00

16.00

17.00

18.00

19.00





8/3/2019 Ensure Oct 2010


New InvestShield

InvestShield Cash InvestShield Life InvestShield Pension InvestShield Life - New

InvestShield Funds


APPLICABLE PRODUCTS

InvestShield Life New

Product

DATE OF INCEPTION: Aug 21, 2006



ASSET ALLOCATION

Max (%) Min (%)

BENCHMARK


New InvestShield

RISK PROFILE

E x p

e c t e d r

e t u r n

Risk

PERFORMANCE SUMMARY

NAV*** Rs.New Invest Shield Balanced Fund 16.13





COMMERCIAL PAPER (P1+ ANDEQUIVALENT) 16.65%CERTIFICATE OF DEPOSIT (P1+ ANDEQUIVALENT) 0.00%




PORTFOLIO



Allocation inFund

Asset Allocation


% in Equity

BANKING 23.47%METALS & MINERALS 12.81%EPC 10.45%CAPITAL GOODS 8.61%FINANCE 8.29%

H D F C BANK LTD. 8.37%HINDALCO INDUSTRIES LTD. 5.56%INFOSYS TECHNOLOGIES LTD. 5.56%LARSEN & TOUBRO LTD. 5.31%UNITECH LTD. 5.30%ALLAHABAD BANK 5.03%I T C LTD. 4.69%SKS MICROFINANCE LIMITED 4.67%

JAIPRAKASH ASSOCIATES LTD. 4.64%RELIANCE INDUSTRIES LTD. 4.47%


% in Equity



NAV GROWTH

New InvestShield Benchmark

ANNUALIZED RETURNS

New InvestShield Benchmark


0.00%

2.00%

4.00%

6.00%

8.00%

10.00%

12.00%

14.00%


10.00

11.00

12.00

13.00

14.00

15.00

16.00

Aug-06 Sep-07 Sep-08 Sep-09 Sep-10

ULIP Funds InvestShield FundsPension Funds






8/3/2019 Ensure Oct 2010


Product - Fund Matrix

Performance Summary



Glossary of Terms

Find your Fund


I, II, III, IV refer to the fund series of the respective fund applicable to the product

I n v e s t S h i e l d P e n s i o n

I n v e s t S h i e l d C a s h

I n v e s t S h i e l d L i f e

I n v e s t S h i e l d L i f e N e w

L i f e L i n k P e n s i o n

L i f e L i n k P e n s i o n I I

L i f e L i n k S u p e r P e n s i o n

P r e m i e r l i f e P e n s i o n

L i f e T i m e P e n s i o n

L i f e T i m e P e n s i o n I I

L i f e T i m e S u p e r P e n s i o n

L i f e S t a g e P e n s i o n

G o l d e n Y e a r s

S m a r t K i d S i n g l e P r e m

i u m

S m a r t K i d S i n g l e P r e m

i u m I I

S m a r t K i d N

e w U n i t L i n k e d

S i n g l e P r e m i u m

S m a r t K i d U n i t l i n k e d

R e g u l a r P r e m i u m

P l a n

S m a r t K i d U n i t l i n k e d


P l a n I I

S m a r t K i d N

e w U n i t l i n k e d


L i f e L i n k

L i f e L i n k I I

L i f e L i n k S u p e r

W e a l t h A d v a n t a g e

P r e m i e r L i f e

P r e m i e r L i f e G

o l d

L i f e T i m e

L i f e T i m e I I

L i f e T i m e S u p e r

L i f e T i m e G

o l d

L i f e T i m e p l u s

L i f e S t a g e A s s u r e

L i f e S t a g e R e g u l a r P r e m i u m

Balancer

Protector

Maximiser

Preserver

Multipiler

RICH

Flexi Balanced

Flexi Growth

Pension Balancer

Pension Protector

Pension Maximiser

Pension Preserver

Pension Multiplier

Pension RICH



InvestShield Life - New

InvestShield Life

InvestShield Cash


IV

IV

IV

IV

IV

IV

IV

IV

IV

IV

IV

IV

IV

IV

IV

II

II

II

I

II

II

II

II

I

I

I

I

I

I

I

I

I

I

I

I

I

I

I

I

I

I

I

I

I

I

I

I

I

I

I

I

I

I

I

II

II

II

I

II

II

II

II

II

II

I

II

II

II

II

II

II

II

I

II

II

II

II

II

II

II

I

II

II

II

II

II

II

II

II

II

II

II

II

I

I

I

I

I

I

I

I

III

III

III

III

III

III

III

III

II

II

II

I

II

II

II

II

I

I

I

I

II

I

I

I

II

II

II

I

II

II

II

II

I

I

I

I

II

I

II

II

II

II

II

I

II

II

II

II

I

I

I

I

I

I

I

I

I

I

I

I

I

I

I

I

II

II

II

I

II

II

II

II

II

II

II

I

II

II

II

II

II

II

II

I

II

II

II

II

II

II

II

I

II

II

II

II

II

II

II

I

II

II

II

II

I

I

I

I

I

I

I

I

I

I

I

I

I

I

I

I

E l i t e P e n s i o n

L i f e S t a g e A s s u r e P e n s i o n

II

II

II

II

II

II

II

II

II

II

II

II

I I


8/3/2019 Ensure Oct 2010



Performance Summary



Glossary of Terms

Find your Fund


Overall Advice ICICI Prudential Highlights

Investment Team

• With volatility expected to continue in the near future, ATS may be used for any newinvestments.

• For existing investments, determine your risk profile and optimal asset allocation if notalready done so. Determine the current asset allocation of your overall investmentportfolio. Make suitable adjustment to your portfolio to bring it in line with youroptimal asset allocation. You can use Switch or ATS facilities to easily adjust yourasset allocation.

• • Mr. Jitendra Arora

Senior Vice President and Vice President andHead - Investments Fund Manager - Fixed Income

• Mr. Arun Srinivasan • Mr. Lakshmikanth ReddyVice President and Fund Senior Vice President andManager - Fixed Income Fund Manager - Head of Equity

• Ms. Meghana BajiVice President - Investmentand Risk Management

Mr. Manish Kumar

• We are one of the market leaders in the Indian private life insurance space

• We currently have over Rs. 65,000 cr (as on September 30, 2010) in assets undermanagement.

• We are capitalized at Rs. 4,780 cr (as on September 30,2010) making us one ofIndia's highest capitalized companies across sectors


8/3/2019 Ensure Oct 2010


The 5 Mantras ofFinancial Freedom

Performance Summary



Glossary of Terms

Find your Fund


Goal Based Investing

Regular Investments

Cover Your Financial Risks

Asset Allocation

Start Early, Stay Long Term

Managing one's financial investments may appear very complicated given all the confusingadvice around and the jargon people often use. We will give you an overview of how wemanage the complex part on the next page. Here, we discuss the critical few things you need tokeep in mind. Think of them as your mantras of financial freedom.

While most of us know this, few recognize the incredible

‘power of compounding' that forms the basis of thismaxim. For example, a person who invests Rs. 2 lac eachyear for 30 years and another person who invests Rs. 3 laceach year for 20 years would both have invested Rs. 60lacs. However, at 10% rate of return, the first person willend up with over Rs. 3.6 crore and the second person withnot even Rs. 1.9 crore, a difference of almost 50% ! Themessege is clear, resist the temptation to splurge today.Go that extra mile to invest whatever you can as early asyou can. Your Golden Years depend on it!

This is a key decision to be taken and is r esponsiblefor attaining the significant returns that one getsover a long period of time. Asset allocation basicallyrefers to the balance an investor maintains betweenhis or her exposure to debt and equity instruments.The greater a person's risk taking ability the moreinvestments he should assign to equity, and thehigher will be the returns he will potentially make inthe long-run. Risk appetite in turn depends on

factors like age, income, dependants, investment hor izon, inherent risk appetite, etc. Based onthese parameters, an investor may calculate his optimal asset allocation using the calculator on

our website. One should invest sticking closely to this asset allocation. Every quarter, assetallocation of one's investments should be reviewed and the fund switch feature should be usedto bring asset allocation back in line with optimal asset allocation. Through this mechanism,one systematically invests more in equities when markets are low and less when markets arehigh, thus generating superior returns in the long run without worrying about things liketiming the market.

We all invest with certain goals in mind which can rangefrom buying a car, to children’s higher education, toretirement. It is important to recognize these goals andbuild a plan suitable for each. One needs to particularlytake note of the time horizon and level of risk one can takefor each of these goals. For instance, if next year one plansto send his daughter to a foreign university, he cannottake any risks and it would be best to invest in somethinglike a fixed deposit. Conversely with something likeretirement, this if a long time away, one must have someexposure to equities since one can tolerate short termvolatility for better returns in the long run.

We have all heard stories from friends or relatives abouthow a sudden illness or death completely degraded thelifestyle of someone they knew. Some of us take thecavalier attitude “Oh that will never happen to me”.Likewise there will be others who worry excessively andbecome victims of fear keeping their savings in liquid

assets thus foregoing higher returns. Of course, the smartones insure away all their risks, and their fears. For a fee(premium), insurance companies can insure against

almost all risks such as death, illness, accidental disability, even house theft or fire. It isimportant to adequately cover the financial risks and live a life free from the burden of fear orlow yielding ‘emergency funds’. For more details on how much life cover you need use thehuman life value calculator on our website.

This is another piece of advice that we hear very often andwhich has its basis in a key concept called ‘rupee costaveraging’. The simple fact to recognize is that no one canconsistently time the market. In fact we make thingsworse by trying to time the market, because ourpsychology is such that we generally invest more whenmarkets are high and everybody is cheerful, and likewisebecome fearful and invest less when markets are low,

whereas we should be doing the opposite! Rupee Cost Averaging implies that by sticking to asystematic plan of investing regularly, say every month or quarter, we minimize the risk of

entering the market when it is at its peak or missing our when valuations are at their mostattractive. The Automatic Transfer Strategy (ATS) is an ideal tool to ensure regular investments.


8/3/2019 Ensure Oct 2010


The cornerstone of our investment philosophy is the investment policy put in place by our board's investment committee keeping in mind policyholders' long-term interests and regulatorynorms. Following are some of the salient features of our investment philosophy as detailed in this charter:

Superior risk adjusted returns: The investmentpolicy has well defined limits on permissible risksthat can be taken even as it gives freedom to fundmanagers to out perform the relevant benchmarks.The idea is not only to earn high returns but to do sowithout taking high risks. We have a qualified and

experienced team of fundmanagers who continuouslyanalyze the factors affectingmarket movements l i keeconomic fundamentals,institutional fund flows andmarket sent iment. Theirconstant endeavour is tomaximize risk adjusted returns.

Regulatory guidelines: Lifeinsurance companies in Indiaare regulated by InsuranceRegulatory DevelopmentAuthority (IRDA), and theseregulations focus on:(I) safety of investors' moneyby defining a minimum

acceptable quality of the investment portfolio, and(ii) transparency in terms of adequate disclosuresabout portfolio.

Process-driven approach to investments:Every fund has a defined investment objective,a benchmark suitable to the objective and pre-decided style of investing so that fundperformance is not a function only of a specificfund manager's skill but rather an outcome ofpolicy defined features.Policyholders in insuranceproducts commit moneyfor the long-term and theinvestment performancecannot be purely subjectt o a spec i f i c f undm a n a g e r ' s s k i l l o rcompetence who may ormay not be consistentover the long-term.

Safety is paramount: One of our primaryobjectives is the safety ofyour investments andstability of returns. Wee n s u r e t h a t o u rinvestment portfolio isadequately diversified

and adheres to high standards of quality. Ourinvestment policy does not permit us to followrisky strategies, whatever be the reward, suchas holding poor quality credit or underdiversified portfolios, etc.

How we go aboutManaging your Money

Performance Summary



Glossary of Terms

Find your Fund



8/3/2019 Ensure Oct 2010


Glossary of Terms



Glossary of Terms

Find your Fund



Performance Summary

Fund: This is a collective pool of money created fromindividual investments such that each individual shares risksand rewards in the proportion of their contribution. Since afund is managed as a single investment vehicle, all theinvestors will face the same risks and rewards. Aprofessional fund manager invests the fund according tothe objective of the fund defined in the offer document orpolicy document. In case of a policyholder who payspremium, a predetermined part of this is used to pay for lifecover and other expenses. The remaining part of thepremium is the investment which is put in the var ious funds(such as Maximiser and Balancer) as per the investor’s

instructions. The investor is free to change the allocation ofinvestments at any time during the term of the policy.

NAV: Net Asset Value of a fund on a given day is the totalclosing value of the securities held in the portfolio of thefund divided by the number of units outstanding. When aperson invests a sum (say Rs. 10000) in a fund on a certainday when the NAV was Rs. 20 per unit he is assigned10000÷20=500 units. On any given day, the investor canfind the value of his investment in the fund by multiplyingthe units he holds by the NAV of the day. So if the NAV of thefund has become Rs. 30 per unit, the investor can calculatethe value of his holdings as 500x30=Rs. 15000. The NAV

changes with changes in value of investments in the fund.

Risk: Concept of risk of an investment essentially capturesthe possibility of loss in that investment. Risk, in terms ofportfolio management, is defined as variability of thereturns of a fund or more correctly expected variability. So iffund A and fund B both given 10% annualized returns,however fund A gives this same 10% consistently every yearbut fund B gives 3% in one year, 12% in another year andso on but still averages 10% per annum in the long run,then fund B is said to be more risky than fund A. Risk isgenerally measured as standard deviation or variance ofreturns. For similar levels of returns a rational investor will

always choose the least risky asset.

Returns: Return is the reward one has got for taking risk and giving time. Absolute rate of return (or s imply return) ina period is the ratio of increase (or decrease) in the NAV ofthe fund at the end of the period over the NAV at the start of

the period. Generally when reporting for a period longerthan 1 year, the return is annualized (generally using theCAGR method) for the purpose of comparison. For exampleif in the last 1 year, the NAV of a fund has increased from Rs.20 to Rs. 25, then absolute return (and in this case theannualized return as well) is (25-20)÷20=25%. If over thelast 2 years, the NAV has grown from Rs. 15 to Rs. 30 thenthe absolute return in 2 years is (30-15)÷15=100%;however the annualized return, or compound annualgrowth rate is 41.4% per annum.

Benchmark: Every investment has to have a yardstick to

evaluate whether it has met the objective of investment. Abenchmark is a standard against which the performance ofa fund can be compared. The benchmark for each fund ispredetermined based on the investment objective andtarget asset allocation of the fund. At a macro level, abenchmark captures the average returns of all funds whichhave the same objective and funds that perform better thanthe benchmark can be said to be better than the average.Benchmarks can be either those that are readily available inthe market or synthetically created. For example, Maximiser-a pure equity fund uses an equity benchmark the BSE 100,where as Balancer- a fund that invests 35% in equity and65% in debt uses a synthetic benchmark

consisting of 35% BSE 100 and 65% CRISIL compositebond index.

Debt: Debt or fixed income as an asset class refers toinvestment in securities that have well defined pay offs, andmostly pf a fixed nature or a fixed rate of return for a fixedperiod. Because of the fixed nature of returns debts as anasset class is less risky than equity. All securities where theborrower is the government are classified as government securities or gifts and have a negligible level of risk ofdefault, i.e., Non-payment. Other borrowers have varyinglevels of risk of default, determined by a neutral third partysuch as CRISIL or Moody by looking at the financial strength

of the borrower and being described in the rating of thesecurity where AAA is the safest followed by AA+,AA andso on. Among debt securities there are various types ofinstruments viz., money market instruments, Certificate ofDeposits, Fixed Deposits, Corporate bonds, Gifts, Loans,etc., which have different maturity, risk and reward profiles.

Equity: Equity investment means holding shares ofcompanies, meaning that the investor is taking partownership of a company rather that lending to thecompany. As a part owner of a business, the shareholdershares all the risks and rewards of the business. Severalfactors lead to appreciation in equity investments - all ofwhich in some way relate to current and future prospects ofthe business of the company, also called fundamentals.Because of the variable nature of these factors, equityinvestments are more risky than debt investments, but havehistorically shown signifantly better returns in the long-run(investment horizon greater than 5 years).

Sharpe Ratio: This is a popular measure of risk adjustedreturns. This is an important measure because it isinaccurate to compare the returns of funds that havedifferent risk profiles or objectives. For instance, fund A mayperform better than fund B but this may be because it isinvesting in small cap companies that are more risky. Sharperatio helps to compare the returns of funds taking intoaccount the riskiness of returns, and is defined as reward ofinvesting in a risky asset per unit risk taken. More accurately,it is measured as:

Sharpe Ratio = Annualized Excess Return

Annualized Std Deviation of Excess Returns

Excess Return is the difference between the fund return andthe risk free rate of return. Standard Deviation is a commonmeasure of risk. So a higher Sharpe Ratio means a fund hasgiven superior returns (over an asset that has no risk such asa government security) for every unit of risk.

ATS: Automatic Transfer Strategy helps to mitigate any risk arising from market volatility by ensuring that you buy moreunits at lesser prices and fewer units when prices are high.Under ATS you can invest your entire premium in our moneymarket funds (which are more conservative funds) and at

predefined regular monthly intervals, i.e. 1st or 15th ofevery month, a fixed amount chosen by you is transferred toany one of the chosen equity based fund options availableunder the plan. This facility is available for customers optingfor Fixed Portfolio Strategy and is FREE of charge.


8/3/2019 Ensure Oct 2010


Choose a convenient contact option from the following

Visit our website:www.iciciprulife.com

IN THIS POLICY, THE INVESTMENT RISK IN THE INVESTMENT PORTFOLIO IS BORNE BY THE POLICY HOLDER. This document is for information purposes only. It does not constitute anyrecommendation to any person to enter into any transaction or adopt any investment strategy, nor does it constitute any prediction of likely future movements in NAVs. All opinions given hereare general in nature and clients should take into account their personal investment objectives, risk appetite and other aspects of their financial situation before making an investment decision.Please invest or make any decision regarding your financial activities only after consulting your financial advisor. ICICI Prudential shall not be responsible for any losses caused or any claims thatarise due to investments made based on this newsletter. All fund performances published in this newsletter are based on past performance and do not imply that future performance will be

similar. Please note that the funds are invested in capital markets and are hence exposed to the market risks inherent in such investments. While every effort has been made to ensure accuracy ofthe contents of this newsletter the Company cannot be held responsible for any error s, opinions or projections published herein. © 2009, ICICI Prudential Life Insurance Company Ltd. RegisteredOffice: ICICI Prulife Towers, 1089, Appasaheb Marathe Marg, Prabhadevi, Mumbai - 400 025. Reg. No. 105, Insurance is the subject matter of the solicitation. Unlike traditional products, Unitlinked insurance products are subject to market risk, which affect the Net Asset Values and the customer shall be responsible for his /her decision. The name of the Company, or names of theproduct or fund options do not indicate their quality or future guidance on returns. Funds do not offer guaranteed or assured returns. Investments are subject to market risk. Past performancemay not be guide to future performance, which may be different. Comp/doc/2009/VR1

UIN Nos. LifeStage Regular Premium - 105L073V01, LifeStage Assure - 105L083V01, Life Time plus - 105L054V01, LifeTime Gold - 105L077V01, LifeTime Super - 105L056V01,LifeTime II - 105L031V01, LifeTime - 105L013V01, Premier Life Gold - 105L061V01, Premier Life - 105L037V01, Wealth Advantage - 105L085V01, LifeLink Super - 105L053V01,LifeLink II - 105L033V01, LifeLink - 105L012V01, SmartKid New Unitlinked Regular Premium - 105L058V01, SmartKid Unitlinked Regular Premium Plan II - 105L036V01,SmartKid Unitlinked Regular Premium Plan - 105L028V01, SmartKid New UnitLinked Single Premium - 105L059V01, SmartKid Single Premium II - 105L035V01,SmartKid Single Premium - 105L029V01, Golden Years - 105L047V01, LifeStage Pension - 105L075V01, LifeTime Super Pension - 105L055V01, LifeTime Pension II - 105L032V01,LifeTime Pension - 105L015V01, Premierlife Pension - 105L074V01, LifeLink Super Pension - 105L057V01, LifeLink Pension II - 105L034V01, LifeLink Pension - 105L016V01,

Elite Pension - 105L094V01, LifeStage Assure Pension - 105L092V01, InvestShield Life New - 105L063V01, InvestShield Life - 105L042V01, InvestShield Cash - 105L041V01,InvestShield Pension - 105L043V01

For more deta ils please contact your financial advisors or log on to our website or email us at

www.iciciprulife.com [email protected]

Exclusive SMS Helpline:SMS ‘INFO’ to 56767

Email us at:[email protected]

Call toll-free on:1-800-22-2020

Contact Us

Performance Summary



Glossary of Terms

Find your Fund


ensure oct 2010

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