2. Introduction
Established in 2000.
joint venture - Aditya Birla Group and Sun Life Financial Inc.
Known for its innovation and creating industry benchmarks.
Won various Awards in the Industry.
3. Vision
To be a leader and role model in a broad based and integrated
financial service business.
4. Mission
To help people mitigate risks of life, accident, health, and money at all
stages and under all circumstances. Enhance the financial future of
our customers including enterprises.
6. Literature
Jeffrey Brown, Nellie Liang, and Scott Weisbenner (2014), A key
policy implication is that the number and mix of investment options
will have an important effect on overall asset allocation
Quazi Sagota Samina (2012), General insurance industries in
Bangladesh which gives general insurance only for 1 year, and
therefore the industries have to invest those fund in short term
instruments which are marketable means easily sellable in market.
7. Literature
Arkell (2011), A part of premium income the companies use for
making payment of reinsurance premium. And a part companies
use for investment purpose. So among the various uses of premium,
investment is the only utilization which provides positive income in
future for the company.
Janowicz-Lomott (2011), As maximizing risk adjusted returns while
meeting regulatory requirements on its assets, investment returns
preserve the solvency, both regulatory and economic, of the
insurance company, earn the return commensurate with the use
of its capital and enable it to continue to underwrite profitable
insurance business.
8. Methodology
Data Source:
Research Approach:
Data completion and Analysing:
Limitation
1. Time paucity
2. Analysis is limited to the extent of 10 product
3. Not possible to get in depth information
4. Open and close ended fund
10. Assure Fund
Objective: To provide Capital Protection, safety and liquidity.
Strategy: Investment into fixed interest securities having short-term
maturity
Corporate Debt
33%
MMI, Deposits,
CBLO & Others
67%
Allocation of fund
Corporate Debt
MMI, Deposits, CBLO & Others
11. Protector Fund
Objective: persistence returns and creating long term equity portfolio with
minimum risk .
Strategy: invest in fixed income securities and exposure to equity with low
level of risk.
26.09%
36.65%
27.02%
9.79%
GOVERNMENT SECURITIES Corporate Debt
EQUITY MMI, Deposits, CBLO & Others
12. Enhancer Fund
Objective: Enhanced returns over a medium to long term period by
maintaining good balance between risk and return.
Strategy: Diversified equity portfolio and seek to earn regular return on
fixed income portfolio.
26.09%
36.65%
0.45%
27.02%
9.79%
36.81%
Allocation of fund
GOVERNMENT SECURITIES Corporate Debt
Securitised Debt EQUITY
MMI, Deposits, CBLO & Others
13. Magnifier Fund
Objective: To maximize wealth by actively managing a diversified
equity portfolio.
Strategy: Invest in high quality equity security to provide long term
capital appreciation.
GOVERNMENT
SECURITIES,
1.73%, 2%
Corporate Debt,
2.69%, 3%
EQUITY, 93.59%,
93%
MMI, Deposits,
CBLO & Others,
1.99%, 2%
GOVERNMENT SECURITIES Corporate Debt
EQUITY MMI, Deposits, CBLO & Others
14. Super 20 Funds
Objective: To generate long-term capital appreciation by making investments
in fundamentally strong and liquid large cap companies.
Strategy: To build and manage a concentrated equity portfolio of 20
fundamentally strong large cap stocks in terms of market
capitalization.
EQUITY,
92.03%
MMI,
Deposits,
CBLO &
Others, 7.97%
15. Platinum Premier Fund
Objective: To optimize the participation in an actively managed
well-diversified equity portfolio of fundamentally strong blue chip
companies and using debt instruments and derivatives to lock -in
capital appreciations.
Strategy: building and actively managing a well-diversified equity portfolio of value
& growth driven fundamentally strong blue chip companies and in fixed
income side investment in government securities, high rated corporate
bonds and money market instruments.
1.73%
2.69%
93.59%
1.99%
GOVERNMENT
SECURITIES
Corporate Debt
EQUITY
MMI, Deposits, CBLO &
Others
16. Titanium III Fund
Objective: To provide Capital Protection, at a high level of
safety and liquidity
Strategy: Return with low level of risk through investment into fixed
interest securities having short-term maturity.
10%
20%
68%
2%
70%
GOVERNMENT
SECURITIES
Corporate Debt
EQUITY
MMI, Deposits, CBLO &
Others
17. Pure Equity
Objective: The objective of the fund is to provide long-term wealth creation
by actively managing portfolio The objective of the fund is to
provide long-term wealth creation by actively managing portfolio
Strategy: The equity investment strategy will revolve around building and
actively managing a well-diversified equity portfolio of value &
growth driven fundamentally strong companies by following a
investment approach
96.61%
3.09%
EQUITY MMI, Deposits, CBLO & Others
18. Liquid Plus Fund
Objective: To provide superior risk-adjusted returns with low volatility at a high
level of safety and liquidity through investments in high quality
short term fixed income instruments - upto1 year maturity
Strategy: The fund will invest in high quality short-term fixed income instruments
– up to 1-year maturity
100%
MMI, Deposits, CBLO & Others
1
19. Pension Growth Fund
Objective: This fund option helps build yourcapital and generate better
returns at moderate level of risk, over a medium or long-term
period through a balance of investment in equity and debt.
Strategy : Generate better return with moderate level of risk through active
management of fixed income portfolio and focus on creating
long term equity portfolio
29.34%
34.81%18.42%
17.44%
Allocation of fund
GOVERNMENT SECURITIES Corporate Debt
EQUITY MMI, Deposits, CBLO & Others
20. Conclusion
Different product of BSLI has different features , product like Assured
fund in this the amount are invested in high quality short term maturity
securities, whereas product like Pure Equity the fund are invested for
long term in blue chip companies by diversifying the investment.
Therefore BSLI invest the fund according to the requirement of the
customer, if the customer has chooses the fund like liquid plus equity
then the BSLI will invest in those assets which having low maturity like
MMI and short term debt which secure the money of investor.
