monthly investment update: ulip november, 2011 · rk – crisil co n: 2.56 years 5bondulpf safe and...
TRANSCRIPT
1
2008
SBI Life has a variety of unit linked products with different funds which gives you flexibility to choose your investment pattern to generate market linked returns according to your risk appetite.
SSBBII LLiiffee UULLIIPP FFUUNNDDSS
Fund Names
Products
SBI Life ‐ Unit Plus Super
SBI Life – Smart
Performer
SBI Life – Saral Maha Anand
SBI Life – Smart Scholar
SBI Life – Smart Elite
SBI Life – Smart Horizon
SBI Life – Smart Pension
SBI Life – Smart Wealth Assure
Equity
Bond
Money Market
Growth
Balanced
Equity Optimiser
Index
Top 300
P/E Managed
Daily Protect
Equity Elite Fund II
Guaranteed Pension Fund (GPF)
Return Guarantee Fund (RGF)
ULIP
U N I T L I N K E D P R O D U C T S F R O M S B I L I F E I N S U R A N C E C O . L T D .
Monthly Investment Update: Volume 4, Issue 8 November, 2011
2
Funds Inception Date
AUM as on 30th Nov.
2011 (` in Cr)
Bench marks (BM)
Returns in % (Less than or equal to 1 yr : Absolute Returns, greater than 1 yr : CAGR)
From
1 Apr 11 1 yr
2 yrs
3 yrs
4 yrs
5 yrs
Since Inception
Fund BM Fund BM Fund BM Fund BM Fund BM Fund BM Fund BM
Equity 10‐Jan‐05 3,346.14
NIFTY ‐14.02 ‐17.17 ‐14.02 ‐17.58 0.54 ‐2.01 23.91 20.60 ‐3.65 ‐4.31 5.06 4.09 19.66
13.80
Equity Pension#
15‐Jan‐07 1,524.37
‐15.44 ‐17.17 ‐16.22 ‐17.58 ‐2.09 ‐2.01 21.33 19.78 ‐5.13 ‐6.59 NA NA 4.12 2.04
Growth# 24‐Nov‐05 1,259.89
Nifty (70) CompBex
(30)
‐10.54 ‐10.96 ‐10.90 ‐10.68 ‐0.17 0.50 19.78 17.34 ‐6.03 ‐6.25 2.35 2.39 11.70 9.10
Growth Pension#
15‐Feb‐07 953.16
‐10.65 ‐10.96 ‐11.86 ‐10.68 0.38 0.50 23.76 16.54 ‐4.28 ‐8.48 NA NA 8.09 0.21
Equity Optimiser*
21‐Jan‐08 3,427.13
Nifty (80) LiquiFEX (20)
‐14.06 ‐12.90 ‐15.53 ‐12.70 ‐1.05 ‐0.12 24.56 18.50 NA NA NA NA 2.30 ‐3.25
Equity Optimiser Pension#*
21‐Jan‐08 1,021.53
‐13.86 ‐12.90 ‐15.32 ‐12.70 ‐0.77 ‐0.12 24.79 18.50 NA NA NA NA 2.45 ‐3.25
Equity Elite#
25‐Feb‐08 54.08
‐13.96 ‐12.90 ‐14.78 ‐12.70 ‐0.18 ‐0.12 26.26 18.50 NA NA NA NA 7.44 ‐3.29
Equity Elite Fund II*
10‐Feb‐10 42.22
‐12.75 ‐12.90 ‐11.77 ‐12.70 NA NA NA NA NA NA NA NA 0.27 2.29
Balanced# 5‐Dec‐05 213.97
Nifty (50) CompBex
(50)
‐5.06 ‐6.69 ‐6.17 ‐5.96 2.24 2.04 14.69 14.79 0.64 ‐0.77 7.72 4.89 10.53 8.70
Balanced Pension#
21‐Feb‐07 2420.70
‐4.90 ‐6.69 ‐5.71 ‐5.96 1.45 2.04 17.52 14.79 2.51 ‐0.77 NA NA 11.56 4.66
Bond 10‐Jan‐05 1,007.02
CRISIL CompBex
4.83 4.39 7.07 6.22 6.47 5.37 9.76 6.81 9.23 6.06 9.33 6.01 8.57 5.63
Bond Pension
16‐Jan‐07 792.07
4.91 4.39 7.01 6.22 6.64 5.37 9.04 6.81 8.34 6.06 NA NA 8.78 6.18
Money Market#
1‐Feb‐06 62.91
LiquiFEX
5.01 5.34 7.01 8.10 6.43 6.38 6.25 6.11 6.73 6.61 6.53 6.76 6.44 6.65
Money Market Pension#
20‐Mar‐08 8.76
5.78 5.34 8.43 8.10 6.67 6.38 6.47 6.11 NA NA NA NA 6.83 6.59
FlexiProtect
8‐Mar‐09 3,740.88
NA
‐6.84 NA ‐11.26 NA 2.06 NA NA NA NA NA NA NA 18.53 NA
FlexiProtect (Series II)
8‐Jan‐10 1,960.13
‐10.90 NA ‐13.63 NA NA NA NA NA NA NA NA NA 3.19 NA
Guaranteed Pension Fund
(GPF070211)
9‐Feb‐11
9.57
4.33 NA NA NA NA NA NA NA NA NA NA NA 5.04 NA
Daily Protect
6‐Sep‐10 1,188.86
‐11.55 NA ‐13.27 NA NA NA NA NA NA NA NA NA ‐10.47 NA
Daily Protect II
4‐Mar‐11 599.84
‐14.01 NA NA NA NA NA NA NA NA NA NA NA ‐9.14 NA
Daily Protect III
1‐Sep‐11 171.12
NA NA NA NA NA NA NA NA NA NA NA NA ‐2.39 NA
RGF070311 9‐Mar‐11 173.17
0.94 NA NA NA NA NA NA NA NA NA NA NA 1.68 NA
RGF150611 21‐Jun‐11 79.56
NA NA NA NA NA NA NA NA NA NA NA NA 1.19 NA
P/E Managed^
8‐Sep‐10 172.90
‐15.09 NA ‐14.00 NA NA NA NA NA NA NA NA NA ‐10.66 NA
Discontinued Policy
11‐Apr‐11 1.60
NA NA NA NA NA NA NA NA NA NA NA NA 4.85 NA
Index 7‐Jan‐10 484.98
Nifty
‐16.31 ‐17.17 ‐16.75 ‐17.58 NA NA NA NA NA NA NA NA ‐3.21 ‐4.40
Index Pension
18‐Jan‐10 79.20
‐16.23 ‐17.17 ‐16.63 ‐17.58 NA NA NA NA NA NA NA NA ‐1.28 ‐4.58
Top 300* 7‐Jan‐10 365.87
Nifty (80) Liquifex (20)
‐9.17 ‐12.90 ‐10.30 ‐12.70 NA NA NA NA NA NA NA NA 4.78 ‐2.03
Top 300 Pension*
18‐Jan‐10 385.81
‐9.32 ‐12.90 ‐11.07 ‐12.70 NA NA NA NA NA NA NA NA 2.74 ‐2.17
November, 2011
3
# W.e.f. 1st April, 2009 the Benchmark for the funds has been revised for better representation of the investment philosophy of the fund. The benchmark returns mentioned above accordingly represent aggregate performance of old benchmark upto March 09 and revised benchmark thereafter. * W.e.f. 1 June 2010, the Benchmark for the funds have been defined.
Past performance of any of the funds above is not indicative of their future prospects or returns
November, 2011
INVESTEquity F
SFIN‐UL
INVESTM
To provid
class allo
FUND PE
R
E
B
*i) Retur
Annu ii) Past
TMENT STFund
IF001100105
MENT STYLE
de high equit
ocation strateg
Assets of E
Equity
Debt & Mo
ERFORMANCE
Returns
Equity Fund
Benchmark ‐ N
rns less than ual Growth Raperformance
TYLE & FU
5EQUITY‐FND
y exposure ta
gy:
Equity Fund
oney Market I
E Fr
1 Ap
‐14
NIFTY ‐17
or equal to oate (CAGR) e of any of the
UND PERFO
D111
argeting highe
nstruments
rom
pril 11 1
4.02% ‐14.
7.17% ‐17.
one year are a
e funds is not
4
ORMANC
er returns in t
Minimum
80%
0%
yr 2 yrs
02% 0.54%
58% ‐2.01%
absolute retu
indicative of
E* As on 30
the long term
m Maximu
100%
20%
s 3 yrs
% 23.91%
% 20.60%
rns. Returns g
their future p
0th Novemb
m. The fund h
um Risk
High
4 yrs 5
‐3.65% 5
‐4.31% 4
greater than
prospects or r
ber 2011
has the follow
Actual
(As on 3
96
3
5 yrs Since
(10
5.06% 1
4.09% 1
a year are in
returns
wing asset
Asset Mix
30 Nov 11)
6.80%
.20%
e Inception
0 Jan 05)
19.66%
13.80%
terms of Com
November, 2
mpound
2011
Bond Fu
SFIN‐ ULINVESTMTo prov
accumula
allocation
FUND PE
Returns
Bond Fun
Benchma
Duratio
und
LIF00210010
MENT STYLE ide relatively
ation of incom
n strategy:
Assets of B
Debt Instru
Money Ma
ERFORMANCE
nd
rk – CRISIL Co
on: 2.56 years
05BONDULPF
y safe and l
me through in
Bond Fund
uments
arket Instrume
E
1 A
4
ompBex 4
for Debt & M
FND111
less volatile
vestment in f
ents
From
April 11 1
4.83% 7.0
4.39% 6.2
Money Market
5
investment
fixed income s
Minimum
60%
0%
1 yr 2 yrs
07% 6.47%
22% 5.37%
t Instruments
option main
securities. Th
m Maximu
100%
40%
3 yrs
% 9.76%
% 6.81%
s
ly through d
he fund has th
um Risk
Low to
Medium
4 yrs 5
9.23% 9.3
6.06% 6.0
debt instrum
he following a
Actua
(As on
o
m
86.
13.
yrs Since
(10
33% 8
01% 5
ents and
asset class
l Asset Mix
n 30 Nov 11)
94%
06%
Inception
Jan 05)
8.57%
5.63%
November, 22011
Growth
SFIN‐ ULINVESTMLong‐term
small p
The fund
FUND PE
Retu
Grow
Benc
(70%
Duration
h Fund
LIF00324110
MENT STYLE m capital app
part investe
d has the follow
Assets of G
Equity
Debt & Mo
ERFORMANCE
urns
wth Fund
chmark –
%) CompBex (3
n: 1.08 years f
05GROWTH‐F
preciation thro
ed in debt
wing asset cla
Growth Fund
oney Market I
E
Fro
1 A
1
‐10.
Nifty
30%) ‐10.
for Debt & Mo
FND111
ough investm
t and mo
ass allocation
nstruments
om
April
11
1 yr
54% ‐10.90
96% ‐10.68
oney Market
6
ment primarily
oney market
strategy:
Minimum
40%
10%
r 2 yrs
0% ‐0.17%
8% 0.50%
Instruments
y in equity and
t for dive
m Maximu
90%
60%
3 yrs
19.78%
17.34%
d equity relat
ersification a
um Risk
Medium
to High
4 yrs 5 y
‐6.03% 2.3
‐6.25% 2.3
ted instrumen
and risk r
Actual A
(As on 30
m 66.8
33.1
yrs
Sinc
Incept
(24 Nov
5% 11.70
9% 9.10
nts with a
reduction.
Asset Mix
0 Nov 11)
83%
17%
ce
tion
v 05)
0%
0%
November, 2
2011
BalanceSFIN‐ UL INVESTMTo provid
attempt
allocation
FUND PE
Returns
Balanced Fu
Benchmark
CompBex (5
Duration
ed Fund LIF00405120
MENT STYLE de accumulat
to maintain a
n strategy:
Assets of B
Equity
Debt & Mo
ERFORMANCE
und
k – Nifty (5
50%)
n: 2.13 years f
05BALANCDF
tion of income
a suitable ba
Balanced Fund
oney Market I
E From
1 April
‐5.06
50%) ‐6.69
for Debt & M
FND111
e through inv
lance betwee
d
nstruments
m
l 11 1 yr
6% ‐6.17%
9% ‐5.96%
oney Market
7
vestment in b
en return and
Minimum
40%
40%
2 yrs
% 2.24%
% 2.04%
Instruments
both equities a
d safety. The
Maximum
60%
60%
3 yrs
14.69%
14.79%
and fixed inco
e fund has th
Risk
Medium
4 yrs 5
0.64% 7
‐0.77% 4
ome securitie
e following a
Actual Asse
(As on 30 N
47.47%
52.53%
5 yrs Sinc
(5
7.72%
4.89%
N
es with an
sset class
et Mix
ov 11)
%
%
e Inception
5 Dec 05)
10.53%
8.70%
November, 22011
Equity OSFIN‐ UL INVESTMTo pro
The fund
FUND PE
Returns
Equity O
Benchm
Optimiser FLIF01021010
MENT STYLE ovide equity
d has the follow
Assets of E
Equity
Debt & Mo
ERFORMANCE
s
Optimiser Fun
mark – Nifty (8
Fund 08EQTYOPTF
y exposure
wing asset cla
Equity Optimi
oney Market I
E
d
80%) LiquiFEX
ND111
targeting
ass allocation
ser Fund
nstruments
F
1 A
‐1
(20%) ‐1
8
higher ret
strategy:
Minimum
60%
0%
From
April 11
14.06% ‐1
12.90% ‐1
turns throu
m Maximu
100%
40%
1 yr 2
5.53% ‐1.
2.70% ‐0.
gh long t
um Risk
High
yrs 3 yr
05% 24.56
12% 18.50
term capita
Actual
(As on
78
21
rs Since In
(21 J
6% 2.3
0% ‐3.2
al gains.
l Asset Mix
30 Nov 11)
8.07%
1.93%
nception
an 08)
30%
25%
November, 2
2011
Index F
SFIN‐ ULINVESTM
To provi
regulatio
Index lea
FUND PE
und
LIF01507011
MENT STYLE
ide returns c
ons may restr
ading to highe
Assets of In
Equity
Money Ma
ERFORMANCE
R
In
B
10INDEXULFN
closely corres
rict investmen
er tracking erro
ndex Fund
arket Instrume
E
Returns
ndex Fund
Benchmark – N
ND111
sponding to
nt in group co
or. The fund h
ents & Cash
Nifty
9
returns of N
ompanies and
has the follow
Minimum
90%
0%
From
1 April 11
‐16.31%
‐17.17%
NSE, S&P CN
d some large
wing asset clas
Maximum
100%
10%
1 yr S
‐16.75%
‐17.58%
X Nifty Inde
e cap compan
ss allocation st
Risk
High
Since Inceptio
(7 Jan 2010)
‐3.21%
‐4.40%
ex, though in
nies listed on
trategy:
Actual Asset
(As on 30 No
99.79%
0.21%
on
nvestment
the Nifty
t Mix
ov 11)
November, 22011
Top 300
SFIN‐ ULINVESTM
To provid
capitaliza
FUND PE
0 Fund
LIF01607011
MENT STYLE
de long term
ation on the N
Assets of T
Equity
Money Ma
ERFORMANCE
Returns
Top 300 Fu
Benchmar
10TOP300‐FN
m capital appr
National Stock
Top 300 Fund
arket Instrume
E
und
k – Nifty (80%
ND111
reciation by in
k Exchange. Th
ents & Cash
%) LiquiFEX (20
10
nvesting in st
he fund has th
Minimum
60%
0%
From
1 Apri
‐9.17
0%) ‐12.90
tocks of top
he following a
Maximum
100%
40%
m
l 11 1 y
7% ‐10.3
0% ‐12.7
300 compani
sset class allo
Risk
High
yr Since
(7 J
30%
70% ‐
es in terms o
ocation strateg
Actual Ass
(As on 30 N
70.61
29.39
e Inception
Jan 2010)
4.78%
‐2.03%
N
of market
gy:
set Mix
Nov 11)
1%
9%
November, 22011
P/E MaSFIN‐ ULINVESTMTo provid
Earning
reference
invested
Actual(As on
anaged FundLIF02108091
MENT STYLE de long term
(P/E) multiple
e to forward
in debt instru
Forward
<12 ≥ a15 ≥ a18 ≥ a
≥
l Asset Mix n 30 Nov 11)
FUND P
Returns
P/E Ma
Benchm
d 10P/EMNGDF
capital appre
e. The alloca
Price Earning
uments, mone
P/E Bands
<12 and < 15 and < 18 and < 21 ≥ 21
Equity: 94.
PERFORMANC
s
naged Fund
mark –NA
FND111
eciation throu
ation to equit
g (P/E) multip
ey market & c
Equity & EquInstruments
90% to80% to60% t40% t0% to
84%
CE Fr
1 Ap
‐15
N
11
ugh dynamic
ty and equity
ple on the NS
ash. The fund
Asset Auity Related
o 100%o 100%to 90%to 80%o 50%
De
rom
pril 11
5.09%
NA
asset allocati
y related ins
SE, S&P, CNX
d has the follow
AllocationDebt, MInstrum
0%0%10%20%50%
bt, Money Ma
1 yr
‐14.00%
NA
on with refer
truments is d
X Nifty Index
wing asset cla
Money Marketments & Cash % to 10%% to 20%% to 40%% to 60%% to 100%
arket Instrum
Since Inc
(8 Sep
‐10.6
NA
rence to forw
determined l
and remainin
ass allocation
Risk t
High
ents & Cash:
ception
2010)
66%
A
ward Price
argely by
ng fund is
strategy:
5.16%
November, 22011
Daily PrSFIN‐ UL
INVESTMTo provid
a guaran
allocation
^The Guadate. Guaof units) to FUND PE
rotect FundLIF02006091
MENT STYLE de NAV prote
ntee^ of 105%
n strategy:
Assets of Da
Equity & Eq
Debt & Mon
ranteed NAV sharantee charge o provide the N
ERFORMANCE
Returns
Daily Protect
Benchmark –
d 10DLYPRO1F
ction using th
% of the high
aily Protect Fu
uity Related In
ney Market In
hall be availabof 0.50% p.a. o
NAV guarantee.
E
t Fund
–NA
ND111
he CPPI metho
hest NAV in
und
nstruments
struments
le only at matuof Daily Protect
From 1 Apri
‐11.55%
NA
12
odology. The
the built‐up
Min M
0% 10
0% 10
urity and shall t Fund value, w
il 11
%
asset allocatio
phase. The
Max Risk
00% Low t
Mediu00%
be subject to twould be recove
1 yr
‐13.27%
NA
on is dynamic
fund has the
k Actual(As on
to
um
63
36
the Policy beingered from the fu
Since
(6 S
‐1
cally rebalance
e following a
l Asset Mix 30 Nov 11) 3.62%
6.38%
g in force till thund (through ca
e Inception
ep 2010)
10.47%
NA
ed to give
sset class
he maturity ancellation
November, 22011
Equity E
SFIN‐ UL
INVESTMTo provid
allocation
Ass
Equ
Deb
FUND PE
Elite Fund I
LIF01910021
MENT STYLE de high equity
n strategy:
sets of Equity
uity
bt & Money M
ERFORMANCE
Returns
Equity Elite F
Benchmark –
I
10EQTELI2FN
y exposure tar
Elite Fund II
Market Instrum
E
Fund II
– Nifty (80%) L
ND111
rgeting higher
M
ments
LiquiFex (20%
13
r returns in th
Minimum
60%
0%
From
1 April 1
‐12.75%
) ‐12.90%
he long run. Th
Maximum
100%
40%
11 1 yr
% ‐11.77%
% ‐12.70%
he fund has th
Risk Ac
(As
High
Since
(10 F
% 0
% 2
he following a
ctual Asset M
s on 30 Nov 1
74.09%
25.91%
Inception
Feb 2010)
0.27%
2.29%
asset class
ix
11)
November, 22011
Equity ESFIN‐ UL INVESTMFor long‐
has the f
FUND PE
Return
Equity
Bench
LiquiF
Elite Fund LIF01225020
MENT STYLE ‐term capital a
ollowing asse
Assets of E
Equity & Eq
Debt & Mo
ERFORMANCE
ns
y Elite Fund
hmark – N
EX (20%)
08EQTYELTFN
appreciation t
t class allocat
Equity Elite Fu
quity Related
oney Market I
E
ifty (80%)
ND111
through highe
tion strategy:
und
Instruments
nstruments
From
1 April 11
‐13.96%
‐12.90%
14
er exposure in
Minimum
60%
0%
1 yr
‐14.78%
‐12.70%
n equity and e
Maximum
100%
40%
2 yrs
‐0.18%
‐0.12%
quity related
Risk (
High
3 yrs
26.26%
18.50%
instruments.
Actual Asset
(As on 30 Nov
76.60%
23.40%
Since Incept
(25 Feb 0
7.44%
‐3.29%
The fund
Mix
v 11)
tion
8)
November, 22011
FlexiProSFIN‐ UL
INVESTMTo optim
following
FUND PE
otect Fund LIF01408030
MENT STYLE mise returns an
g asset class a
Assets of F
Equity & Eq
Debt & Mo
ERFORMANCE
Returns
FlexiProtect
Benchmark –
09FLEXPR1FN
nd provide ca
llocation strat
FlexiProtect Fu
quity Related
oney Market I
E
Fund
– NA
ND111
pital protectio
tegy:
und
Instruments
nstruments
F
1 A
‐6
15
on by adoptin
Minimum
0%
0%
From
April 11
6.84% ‐1
NA
g dynamic ass
Maximum
100%
100%
1 yr 2
11.26% 2.0
NA N
set allocation
Risk
Low to
Medium
yr Sinc
(8
06%
NA
plan. The fun
Actual As
(As on 30
46.9
53.1
ce Inception
March 09)
18.53%
NA
nd has the
sset Mix
Nov 11)
0%
0%
November, 22011
FlexiPro
SFIN‐ UL
INVESTMTo provid
the follow
Ass
Equ
Deb
FUND PE
otect Fund
LIF01408011
MENT STYLE de capital pro
wing asset cla
sets of FlexiPr
uity & Equity R
bt & Money M
ERFORMANCE
FlexiP
(Series II)
10FLEXPR2FN
otection and o
ass allocation s
rotect Fund (S
Related Instru
Market Instrum
E
Returns
Protect Fund
Benchmark –
ND111
optimum retu
strategy:
Series II) M
uments
ments
(Series II)
– NA
16
urns based on
Minimum M
0%
0%
From
1 April 11
‐10.90%
NA
systematic a
Maximum
100%
100%
1 yr
‐13.63%
NA
sset allocatio
Risk
Low to
Medium
Since Ince
(8 Jan 20
3.19%
NA
on model. The
Actual Asset
(As on 30 No
63.37%
36.63%
eption
010)
%
e fund has
t Mix
ov 11)
November, 22011
Equity PSFIN‐ UL INVESTMTo provid
class allo
FUND PERe
Eq
Be
Pension FunLIF00615010
MENT STYLE de high equit
ocation strateg
Assets of E
Equity & Eq
Debt & Mo
ERFORMANCEeturns
quity Pension
enchmark – N
nd 07PEEQITYFN
ty exposure ta
gy:
Equity Pension
quity Related
oney Market I
E
1
Fund ‐
Nifty ‐
ND111
argeting highe
n Fund
Instruments
nstruments
From
April 11
15.44% ‐1
17.17% ‐1
17
er returns in
Minimum
80%
0%
1 yr 2 y
16.22% ‐2.0
17.58% ‐2.0
the long term
Maximum
100%
20%
yrs 3 yrs
09% 21.33%
01% 19.78%
m. The fund h
Risk
High
4 yrs
% ‐5.13%
% ‐6.59%
has the follow
Actual Asset
(As on 30 No
95.22%
4.78%
Since Inceptio
(15 Jan 07)
4.12%
2.04%
wing asset
t Mix
ov 11)
on
)
November, 22011
Bond PSFIN‐ UL INVESTMTo prov
accumula
allocation
FUND PEReturn
Bond P
Bench
Duration
ension FunLIF00716010
MENT STYLE ide relatively
ation of incom
n strategy:
Assets of B
Debt Instru
Money Ma
ERFORMANCEns
Pension Fund
mark – CRISIL
n: 2.87 years f
d 07PENBONDF
y safe and l
me through in
Bond Pension
uments
arket Instrume
E
L CompBex
for Debt & Mo
FND111
less volatile
nvestment in f
Fund Min
6
ents 0
From
1 April 11
4.91%
4.39%
oney Market
18
investment
fixed income
nimum Ma
60% 1
0% 4
1 yr 2
7.01% 6
6.22% 5
Instruments
option main
securities. Th
aximum
100% Lo
M40%
2 yrs 3 y
6.64% 9.04
.37% 6.81
ly through d
he fund has th
Risk A
(A
ow to
edium
rs 4 yrs
4% 8.34%
1% 6.06%
debt instrum
he following a
Actual Asset M
As on 30 Nov 1
89.70%
10.30%
Since Ince
(16 Jan
8.78
6.18
N
ents and
asset class
Mix
11)
eption
n 07)
%
%
November, 22011
Growth
SFIN‐ UL
INVESTMTo provi
instrume
The fund
FUND PE
Returns
Growth Pe
Benchmar
CompBex
h Pension Fu
LIF00815020
MENT STYLE ide long‐term
ents with a s
d has the follow
Assets of G
Equity & Eq
Debt & Mo
ERFORMANCE
ension Fund
rk – Nifty (70%
(30%)
und
07PEGRWTHF
m capital app
mall part inv
wing asset cla
Growth Pensio
quity Related
oney Market I
E
From
1 April
‐10.65
%) ‐10.96
FND111
preciation th
vested in deb
ass allocation
on Fund
Instruments
nstruments
m
l 11 1 yr
5% ‐11.86%
6% ‐10.68%
19
rough invest
bt and money
strategy:
Minimum
40%
10%
2 yrs
% 0.38%
% 0.50%
tments prima
y market for
Maximum
90%
60%
3 yrs
23.76%
16.54%
arily in equit
r diversificatio
Risk
Medium
to High
4 yrs
‐4.28%
‐8.48%
ty and equit
on and risk r
Actual Asse
(As on 30 N
69.41%
30.59%
Since Inc
(15 Fe
8.09
0.21
y related
reduction.
et Mix
Nov 11)
%
%
ception
eb 07)
9%
1%
November, 2
2011
BalanceSFIN‐ UL INVESTMTo provid
attempt
allocation
FUND PE
Ret
Bal
Ben
Com
Duration
ed Pension LIF00921020
MENT STYLE de accumulat
to maintain
n strategy:
Assets of B
Equity & Eq
Debt & Mo
ERFORMANCE
turns
anced Pensio
nchmark – Nif
mpBex (50%)
n: 1.93 years f
Fund 07PEBALANF
tion of income
a suitable ba
Balanced Pens
quity Related
oney Market I
E
n Fund
fty (50%)
for Debt & Mo
ND111
e through inv
alance betwee
sion Fund
Instruments
nstruments
From
1 April 11
‐4.90%
‐6.69%
oney Market
20
vestment in b
en return and
Minimum
40%
40%
1 yr 2
‐5.71% 1.4
‐5.96% 2.0
Instruments
both equities a
d safety. The
Maximum
60%
60%
yrs 3 yrs
45% 17.52%
04% 14.79%
and fixed inco
fund has the
Risk
Medium
s 4 yrs
% 2.51%
% ‐0.77%
ome securitie
e following a
Actual Ass
(As on 30 N
47.12
52.88
Since Incept
(21 Feb 200
11.56%
4.66%
es with an
sset class
set Mix
Nov 11)
2%
8%
tion
07)
November, 22011
Equity OSFIN‐ UL INVESTMTo provi
following
Ass
Equ
Deb
FUND PE
Retu
Equit
Benc
Optimiser PLIF01121010
MENT STYLE de equity ex
g asset class a
sets of Equity
uity & Equity R
bt & Money M
ERFORMANCE
rns
ty Optimiser P
hmark – Nifty
Pension Fun08PEEQOPTF
xposure targe
llocation strat
Optimiser Pe
Related Instru
Market Instrum
E
Pension Fund
y (80%) LiquiF
nd ND111
ting higher r
tegy:
ension Fund
uments
ments
1
‐
EX (20%) ‐
21
returns (throu
Minimum
60%
0%
From
1 April 11
‐13.86% ‐1
‐12.90% ‐1
ugh long term
m Maximu
100%
40%
1 yr 2 y
15.32% ‐0.7
12.70% ‐0.1
m capital gai
um Risk
High
yrs 3 yrs
77% 24.79%
12% 18.50%
ns). The fund
Actual As
(As on 30
79.6
20.3
Since Ince
(21 Jan 2
% 2.45%
% ‐3.25%
d has the
sset Mix
Nov 11)
65%
5%
eption
2008)
%
%
November, 22011
Index P
SFIN‐ UL INVESTMTo provi
regulatio
fund has
Ass
Equ
Mo
FUND PE
Pension Fun
LIF01718011
MENT STYLE ide returns c
ons may restri
the following
sets of Index P
uity
oney Market I
ERFORMANCE
Ret
Ind
Ben
nd
10PEINDEXFN
closely corres
ict investmen
g asset class a
Pension Fund
nstruments &
E
turns
ex Pension Fu
nchmark – Nif
ND111
sponding to
nt in group co
llocation strat
d M
& Cash
und
fty
22
returns of N
ompanies liste
tegy:
Minimum M
90%
0%
From
1 April 11
‐16.23%
‐17.17%
NSE, S&P CN
ed on index le
Maximum
100%
10%
1 yr
‐16.63%
‐17.58%
X Nifty Inde
eading to high
Risk Ac
(As
High
Since Incept
(18 Jan 201
‐1.28%
‐4.58%
ex, though in
her tracking e
ctual Asset M
s on 30 Nov 1
99.75%
0.25%
tion
10)
nvestment
error. The
ix
11)
November, 22011
Top 300SFIN‐ UL INVESTMTo provid
capitaliza
Ass
Equ
Mo
FUND PE
0 Pension FLIF01818011
MENT STYLE de long term
ation on Natio
sets of Top 30
uity
oney Market I
ERFORMANCE
Returns
Top 300 P
Benchmar
Fund 10PETP300FN
m capital appr
onal Stock Exc
00 Pension Fu
nstruments &
E
ension Fund
rk – Nifty (80%
ND111
reciation by in
change. The fu
nd Min
6
& Cash 0
%) LiquiFEX (2
23
nvesting in st
und has the fo
nimum Max
60% 1
0% 4
Fro
1 Apr
‐9.3
0%) ‐12.9
tocks of top
ollowing asset
ximum Ris
00%Hig
40%
om
ril 11 1 y
32% ‐11.0
90% ‐12.7
300 compani
t class allocati
sk Actual
(As on 3
gh 71
28
yr Since
(18 J
07% 2
70% 2
es in terms o
on strategy:
Asset Mix
30 Nov 11)
1.27%
8.73%
e Inception
Jan 2010)
2.74%
2.17%
of market
November, 22011
Daily PrSFIN‐ UL INVESTMTo provid
a guaran
allocation
^The Guadate. Guaof units) to FUND PE
rotect FundLIF02004031
MENT STYLE de NAV prote
ntee^ of 105%
n strategy:
Assets of Da
Equity & Eq
Debt & Mon
ranteed NAV sharantee charge oo provide the N
ERFORMANCE
R
D
B
d II 11DLYPRO2F
ction using th
% of the high
aily Protect Fu
uity Related In
ney Market In
hall be availabof 0.50% p.a. ofNAV guarantee.
E
Returns
Daily Protect
Benchmark –N
ND111
he CPPI metho
hest NAV in
und II
nstruments
struments
le only at matuf Daily Protect
Fund II
NA
24
odology. The
the built‐up
Min M
0% 10
0% 10
urity and shall Fund II value, w
From 1 April
‐14.01%
NA
asset allocatio
phase. The
Max Risk
00% Low t
Mediu00%
be subject to twould be recove
11 Sinc
(4 M
on is dynamic
fund has the
k Actual(As on
to
um
72
27
the Policy beingered from the fu
e Inception
Mar 2011)
‐9.145
NA
cally rebalance
e following a
l Asset Mix 30 Nov 11) 2.67%
7.33%
g in force till thfund (through ca
ed to give
sset class
he maturity ancellation
November, 2
2011
Return
INVESTMTo maxim
vesting d
mostly in
close to t
FUND PESFIN‐ UL
Ass
Deb
Mo
Duration
Guarantee
MENT STYLE mise the inves
date of all poli
n fixed incom
the maturity d
ERFORMANCELIF02309031
sets of RGF
bt
oney Market I
Ret
Ret
Ben
n: 5.50 years f
Fund (RGF
stment return
cies invested
me securities
date of the fu
E‐ RGF07031111RETGRT1FN
nstruments
turns
turn Guarante
nchmark –NA
for Debt & Mo
F)*
subject to a g
in the fund).
(debt instrum
nd.
1 ND111
Min
0
9
ee Fund (RGF)
oney Market
25
guaranteed re
It aims to gua
ments, money
nimum Max
0% 1
90% 1
Instruments
eturn over a p
arantee a reve
y market inst
ximum R
10% L
00%
From
1 April 11
0.94%
NA
pre specified f
erse repo rela
truments and
Risk Ac(As
Low 96
3.
Since Incept
(09 Mar 20
1.68%
NA
ixed period (t
ted return by
cash) with m
tual Asset Mis on 30 Nov 11
6.83%
.17%
tion
11)
N
ill the last
y investing
maturities
ix 1)
November, 2
2011
FUND PESFIN‐ UL
Ass
Deb
Mo
*The ‘Retu
is applicab
fund(s). T
Guarantee
units.
Duration
ERFORMANCELIF02321061
sets of RGF
bt
oney Market
Ret
Ret
Ben
urn Guarantee’
ble to the NAV
The guarantee
e’ a guarantee
n: 5.33 years f
E‐ RGF15061111RETGRT2FN
Instruments
turns
turn Guarante
nchmark –NA
’ (Minimum NA
V at the end of
will apply to
charge of 0.35
for Debt & M
1 ND111
Min
0
9
ee Fund (RGF)
AV Guarantee)
f the 10th year
all contributio
% p.a. of the F
oney Market
26
nimum Max
0% 1
90% 1
is applicable on
from the start
ons made duri
und Value levie
Instruments
ximum R
10% L
00%
From
1 April 11
NA
NA
nly in respect o
t of the subscr
ing the subscr
ed on RGF wou
Risk Ac(As
Low 96
3.
Since Incept
(21 Jun 201
1.19%
NA
of the Return G
ription period o
ription period.
uld be recovere
tual Asset Mis on 30 Nov 11
6.98%
.02%
tion
11)
uarantee Fund
of the Fund an
To provide th
d through canc
ix 1)
d (RGF) and
nd /or sub‐
he ‘Return
cellation of
November, 22011
Daily Pr
SFIN‐ UL
INVESTMTo provid
a guaran
allocation
^The Guadate. Guacancellatio FUND PE
rotect Fund
LIF02001091
MENT STYLE de NAV prote
ntee^ of 105%
n strategy:
Assets of Da
Equity & Eq
Debt & Mon
ranteed NAV sharantee chargeon of units) to p
ERFORMANCE
R
D
B
d III
11DLYPRO3F
ction using th
% of the high
aily Protect Fu
uity Related In
ney Market In
hall be availabe of 0.50% p.aprovide the NA
E
Returns
Daily Protect
Benchmark –N
ND111
he CPPI metho
hest NAV in
und II
nstruments
struments
le only at matua. of Daily ProV guarantee.
Fund III
NA
27
odology. The
the built‐up
Min M
0% 10
0% 10
urity and shall otect Fund III
From 1 April
NA
NA
asset allocatio
phase. The
Max Risk
00% Low t
Mediu00%
be subject to tvalue, would
11 Sinc
(1 S
on is dynamic
fund has the
k Actual(As on
to
um
80
19
the Policy beingbe recovered
e Inception
Sep 2011)
‐2.39%
NA
cally rebalance
e following a
l Asset Mix 30 Nov 11) 0.09%
9.91%
g in force till thfrom the fund
ed to give
sset class
he maturity d (through
November, 22011
28
Money Market Fund
SFIN‐ ULIF005010206MONYMKTFND111 INVESTMENT STYLE To deploy the funds in liquid and safe instruments so as to avoid market risk on a temporary basis.
The fund has the following asset class allocation strategy:
Assets of Money Market Fund Minimum Maximum Risk Actual Asset Mix
(As on 30 Nov 11)
Debt Instruments 0% 20%Low
0.24%
Money Market Instruments 80% 100% 99.76%
FUND PERFORMANCE
Returns From
1 April 11 1 yr 2 yrs 3 yrs 4 yrs 5 yrs
Since Inception
(1 Feb 06)
Money Market Fund 5.01% 7.01% 6.43% 6.25% 6.73% 6.53% 6.44%
Benchmark – LiquiFEX 5.34% 8.10% 6.38% 6.11% 6.61% 6.76% 6.65%
Money Market Pension Fund
SFIN‐ ULIF013200308PEMNYMTFND111 INVESTMENT STYLE To provide an option to deploy the funds in liquid and safe instruments so as to avoid market risk on a
temporary basis. The fund has the following asset class allocation strategy:
Assets of Money Market Pension Fund Minimum Maximum Risk Actual Asset Mix
(As on 30 Nov 11)
Debt Instruments 0% 20%Low
0%
Money Market Instruments 80% 100% 100%
FUND PERFORMANCE
Returns From
1 April 11 1 yr 2 yrs 3 yrs
Since Inception
(20 Mar 08)
Money Market Pension Fund 5.78% 8.43% 6.67% 6.47% 6.83%
Benchmark ‐ LiquiFEX 5.34% 8.10% 6.38% 6.11% 6.59%
November, 2011
29
Guaranteed Pension Fund (GPF070211)^ SFIN‐ ULIF022090211PEGURNTFND111 INVESTMENT STYLE To maximise the investment return subject to a guaranteed return over a pre specified fixed period (till the last
vesting date of all policies invested in the fund). It aims to guarantee a reverse repo related return by investing
mostly in fixed income securities (debt instruments, money market instruments and cash) with maturities
close to the maturity date of the fund.
Assets of GPF Minimum Maximum Risk Actual Asset Mix
(As on 30 Nov 11)
Equity 0% 10%Low
0%
Debt &Money Market Instruments 90% 100% 100%
FUND PERFORMANCE
Returns From
1 April 11
Since Inception
(09 Feb 2011)
Guaranteed Pension Fund (GPF070211) 4.33% 5.04%
Benchmark –NA NA NA
^The Guaranteed NAV is applicable only at maturity, and shall be further subject to the Policy being in force till
the Maturity Date. Guarantee Charge of 0.35% p.a. would be recovered from the Fund (through cancellation of
units) to provide the NAV Guarantee.
November, 2011
30
.
IN THIS POLICY, THE INVESTMENT RISK IN INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER To know more about us
Visit us at www.sbilife.co.in or Call Toll Free No. 1800 22 9090 SBI Life Insurance Co. Ltd.
Registered Office and Corporate Office: "Natraj", M.V Road & Western Express Highway Junction, Andheri (E), Mumbai‐400069 Regn. No. 111
Insurance is the subject matter of solicitation For more details on Risk Factors, Terms & Conditions, please read the sales brochure carefully before concluding a sale
Risk Factors:
1) Unit Linked Life Insurance products are different from the traditional insurance products and are subject to
the risk factors
2) Premium paid in unit linked policies are subject to market risks associated with capital markets and NAVs of
units may go up or down based on the performance of fund and factors influencing the capital market and
the insured is responsible for his/her decision.
3) SBI Life Insurance Co. Ltd. is only the name of the insurance company and the various products offered are
only the names of the unit linked life insurance contract and does not in any way indicate the quality of the
contract, its future prospects or returns
4) The various funds offered under SBI Life Unit Linked products are only the names of funds and do not in any
way indicate the quality of these funds, their future prospects and returns
5) Please know the associated risks and the applicable charges, from your Insurance agent or the intermediary
or policy document of the insurer
6) Past Performance of the Fund is not indicative of its future prospects or returns.
November, 2011