Accelerate your investments
        automatically during market lows.

              ENROL WITH THE




             FLEX ...
HDFC Flex STP
   What is Systematic Transfer Plan (STP) and                                                               ...
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  1. 1. Accelerate your investments automatically during market lows. ENROL WITH THE FLEX STP A systematic transfer plan that accelerates investments automatically during market lows. Toll Free: 1 800 233 6767 When the market is bullish, there is no need to worry about your investments. But what happens when the market is down? Presenting HDFC Flex STP. It automatically accelerates your investments on the date of transfer in the chosen equity oriented fund when the markets are down. This means that you can now take advantage of both bullish and bearish markets. Registered Office: Ramon House, 3rd Floor, H.T. Parekh Marg, 169, Backbay Reclamation, Churchgate, Mumbai 400 020. Tel: 022-6631 6333. Fax.: 022-2282 1144. Risk Factors: All mutual funds and securities investments are subject to market risks and there can be no assurance that the Scheme’s objectives will be achieved and the NAV of the Scheme may go up or down depending upon the factors and forces affecting the securities market. Past performance of the Sponsors and their affiliates / AMC / Mutual Fund and its Scheme(s) do not indicate the future performance of the Scheme of the Mutual Fund. There is no assurance or guarantee to unit holders as to the rate of dividend distribution nor that dividends will be paid regularly. Investors in the Scheme are not being offered any guaranteed / assured returns. The NAV of the units issued under the Scheme may be affected, inter-alia by changes in the interest rates, trading volumes, settlement periods, transfer procedures and performance of individual securities. The NAV will inter-alia be exposed to Price / Interest Rate Risk and Credit Risk. Please read the Scheme Information Document before investing. Statutory Details: HDFC Mutual Fund has been set up as a trust sponsored by Housing Development Finance Corporation Limited and Standard Life Investments Limited (liability restricted to their contribution of Rs. 1 lakh each to the corpus) with HDFC Trustee Company Limited as the Trustee (Trustee under the Indian Trusts Act, 1882) and with HDFC Asset Management Company Limited as the Investment Manager.
  2. 2. HDFC Flex STP What is Systematic Transfer Plan (STP) and Benefits of HDFC Flex STP when is it suitable? 1. HDFC Flex STP allows investors to take advantage of bearish phases in the market STP is a facility wherein unit holder(s) of designated open-ended scheme(s) of a 2. At the same time, continue with regular STP and benefit from the power of Mutual Fund can opt to transfer a fixed amount at regular intervals to another compounding designated open-ended scheme(s) of the same Mutual Fund, available for 3. Removes emotions from the decision making process investment at that time. Normally, the amount is invested in a debt-oriented 4. Initial investments in select debt/liquid funds enhance total returns scheme from where the amount is transferred to an equity-oriented scheme. 5. Take advantage of the market movements without hassles 6. Investments in schemes with a long term track record STP is suitable under various conditions. For investors, who have a lump sum investible surplus say, receipts from bonus, legacy, sale of residential property, etc. but would not like to invest the same in an equity fund at one go, this is an What are the salient features of HDFC Flex ideal investment tool. Also, when the equity markets are volatile one would like STP (Flex STP)? to invest a certain amount of money, STP offers a chance to the investor to invest in the equity markets in a phased manner. STPs are also useful when the HDFC Mutual Fund offers HDFC Flex STP with wide flexibility in order for the investor prefers to have the consistency of debt returns while slowly investing investor to plan his investments according to his financial goals. The following in equities to generate higher returns. are the salient features: 1. Presently, Minimum Amount of Transfer is Rs. 500 for Daily Flex STP, Presenting HDFC Flex STP – How it is Rs. 1,000 for Weekly & Monthly Flex STP and Rs. 3,000 for Quarterly Flex STP. different from regular STP? 2. Frequency of transfer under Flex STP: • Daily • Weekly • Monthly • Quarterly • Under the Flex STP, unit holders will be eligible to transfer {fixed amount to 3. Dates available for transfer be transferred per installment or the amount as determined by the following formula [(fixed amount to be transferred per installment X number of Frequency of installments including the current installment) - market value of the Flex STP Daily Weekly Monthly Quarterly investments through Flex STP in the Transferee Scheme on the date of Dates available All Every Friday * 1st, 5th, 10th, 1st, 5th, 10th, transfer] whichever is higher} on the date of transfer. business 15th, 20th and 15th, 20th and • Invest more when the markets are down - Accelerated investments on the days 25th of every 25th of every date of transfer in the chosen equity oriented fund when markets are down month* quarter* • In a bullish market, continue with normal STP - Aids in keeping the power of compounding on your side in the long term • Automatic tactical asset allocation - Advantage of investing more at lower levels • Active management of the investment portfolio * Next Business Day, in case the date of transfer falls on a non-Business Day. 4. Minimum amount of unit holder’s balance or minimum amount of application at the time of Flex STP enrolment in the Transferor Scheme: Objective of HDFC Flex STP Rs. 12,000. It helps investors to transfer their money from select debt/liquid schemes 5. Minimum number of installments for enrolment under Daily Flex STP : to growth option of select equity schemes of HDFC Mutual Fund similar to • Minimum of 12 installments where instalment amount is less than normal STPs. Rs. 1,000/-. • Minimum of 6 installments where instalment amount is equal to or In case of falling markets, the investor is able to benefit by automatically greater than Rs. 1,000/-. transferring more money on the date of transfer from debt/liquid funds to Minimum of 6 installments for enrolment under Weekly and Monthly Flex STP equity schemes as chosen and this offers an automated route for tactical and 2 installments for Quarterly Flex STP. asset allocation. Note: For terms and conditions, refer to HDFC Flex STP Enrolment Form available with the ISCs/ broker/ distributors and also displayed at HDFC Mutual Fund website i.e. www.hdfcfund.com. Please read the terms and E xample of HDFC Flex STP - Monthly Interval conditions of HDFC Flex STP carefully before enrolment. Flex STP Regular STP NAV per Market Amount Cumulative Units Cumulative Net Amount Cumulative Units Cumulative Net Market Unit (Rs.) Value Invested* Amount Bought Units Bought Average Invested Amount Bought Units Bought Average Value Month (Rs.) (Rs.) Invested Cost per (Rs.) Invested Cost per (Rs.) (Rs.) Unit (Rs.) (Rs.) Unit (Rs.) 1 2 3 4 5 6 7 8 9 10 = 8/1 11 12 = 9/11 13 = 11*1 January-09 10 0.00 5,000 5,000 500.00 500.00 10.00 5,000 5,000 500.00 500.00 10.00 5,000.00 February-09 12 6,000.00 5,000 10,000 416.67 916.67 10.91 5,000 10,000 416.67 916.67 10.91 11,000.00 March-09 11 10,083.33 5,000 15,000 454.55 1,371.21 10.94 5,000 15,000 454.55 1,371.21 10.94 15,083.33 April-09 9 12,340.91 7,659 22,659 851.01 2,222.22 10.20 5,000 20,000 555.56 1,926.77 10.38 17,340.91 May-09 7 15,555.56 9,444 32,104 1,349.21 3,571.43 8.99 5,000 25,000 714.29 2,641.05 9.47 18,487.37 June-09 8 28,571.43 5,000 37,104 625.00 4,196.43 8.84 5,000 30,000 625.00 3,266.05 9.19 26,128.43 July-09 10 41,964.29 5,000 42,104 500.00 4,696.43 8.97 5,000 35,000 500.00 3,766.05 9.29 37,660.53 August-09 12 56,357.14 5,000 47,104 416.67 5,113.10 9.21 5,000 40,000 416.67 4,182.72 9.56 50,192.64 September-09 13 66,470.24 5,000 52,104 384.62 5,497.71 9.48 5,000 45,000 384.62 4,567.34 9.85 59,375.36 October-09 14 76,967.95 5,000 57,104 357.14 5,854.85 9.75 5,000 50,000 357.14 4,924.48 10.15 68,942.70 November-09 15 87,822.80 2,896 60,000 193.10 6,047.95 9.92 5,000 55,000 333.33 5,257.81 10.46 78867.17 December-09 13 78,623.36 5,000 60,000 384.62 5,642.43 10.63 73,351.55 Total Units Purchased 6,047.95 5,642.43 Total Amount Invested (Rs.) 60,000.00 60,000.00 Final Market Value (Rs.) 78,623.36 73,351.55 Net Average Cost Per Unit (Rs.) 9.92 10.63 * Amount Invested in Flex STP is higher of the fixed amount to be transferred per installment or the amount as determined by the following formula [(fixed amount to be transferred per installment X number of installments including the current installment) - market value of the investments through Flex STP in the Transferee Scheme on the date of transfer]. As seen in the above Example by investing through HDFC Flex STP, you end up buying More Units with Higher Final Market Value and Lower Net Average Cost Per Unit !! Disclaimer : This is just an illustration explaining the concept of Flex STP using assumed fiqures. The above illustration is merely indicative in nature and should not be construed as an investment advice. It does not in any manner imply or suggest performance of any HDFC Mutual Fund Schemes(s). Distributed by: ANANDARAMAN.R, B.Com (FINANCIAL PLANNER & WEALTH MANAGER) #1 07 , V Y S I AL S TR E E T , P ON DI CHE R R Y – 60 5 0 01 Continuing a tradition of trust. TEL.: 0413-4210045, MOB.:9843046519 E-mail; sirusemippu@hotmail.com www.hdfcfund.com

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