Century SIP
    SIP with Free Life Insurance Cover upto 100 Times




Mutual Fund investments are subject to market risks....
Human Life Cycle
                Ph ase I                                             P h a se I I                        ...
Phase II – Most Challenging Phase
    Meet Current                             Taking Care of                             ...
Century SIP
A complete solution




Mutual Fund investments are subject to market risks. Please read the offer document ca...
Unique Value Proposition

                                                               Century SIP
                     ...
Free Life Insurance Cover
        • Century SIP - SIP with Free Life Insurance Cover
                 • Cost of Insurance ...
Various Scenarios
                                                                                Century SIP




        ...
Benefit to the Family
                                                           Century SIP @ Rs. 5,000 pm

             ...
Offers Uniform Insurance Cover
                                                                    9   Uniform Life Cover ...
Century SIP vs. Others
                                   Features                            Other SIPs with Life Cover* ...
Life Cover Continues even if SIP
    Discontinues
                                Century SIP                             ...
Century SIP vs. Term Insurance
                                 Century SIP                                               ...
Total Savings with Century SIP
    Could be…



                                                                          ...
A Million Dollar Question…

    Is Investing in Equity the
               Right Choice???




Mutual Fund investments are ...
Kal Aaj Aur Kal




                           1985                                                                       ...
Kal Aaj Aur Kal




                          1985                                                                        ...
Kal Aaj Aur Kal




                      1985                                                                            ...
Kal Aaj Aur Kal




                       1985                                                                           ...
Kal Aaj Aur Kal
                                                            Aapka Daily Budget
                           ...
Kal Aaj Aur Kal




                                   Salary                        1985                           2008  ...
How Do I BEAT Inflation???




                                                           Investing in Equity is Risky, bu...
Equity – Best Performing Asset Class

                   Cumulative annualized returns
                   (1985-2006)




...
Equity – Best Performing Asset Class
                                                Growth is a NEED, not an option

    ...
BSE Sensex – 5 Years CAGR Returns
                        Sensex has Given Positive Returns 22 Times out of 25
           ...
Why SIP?




Mutual Fund investments are subject to market risks. Please read the offer document carefully before investin...
The Formula of Creating Wealth




       Start Early                                              Invest Regularly       ...
Start Early
                          You                                            Your Twin
 •      Current Age: 25 yea...
Invest Regularly
      Illustration
                                        Rs.1000/- invested every month for 30 years


...
Invest Regularly
• It is the small drops that make an ocean
• Relieves you of the last minute pressure
• Slow and steady w...
Systematic Investing
• Similar to a Recurring Deposit with a bank
• Method of investing predetermined amounts of money reg...
BSE Sensex – 10 Years SIP
                                                    SIP @ Rs. 1,000 pm in BSE Sensex
           ...
Power of Rupee Cost Averaging
      • Buying MORE units @ low prices & buying FEWER units @ high prices
      • Helps AVER...
BSLAMC Top Performers
Outperforming Benchmarks across Time Horizons

                                                     ...
Strong Industry Recognition




4 Fund Houses were eligible out of 26. Please refer to slide number 38 for awards methodol...
Other Features




Mutual Fund investments are subject to market risks. Please read the offer document carefully before in...
Century SIP
•     Century SIP will be an optional feature
•     Feature will be available with SIP investments in all equi...
Life Insurance Cover
      •      Eligibility criterions:
               • Only individual investors, excluding Non Reside...
Other Terms & Conditions
• The Group Life Insurance Cover will be governed by the terms and conditions of the insurance po...
Statutory Details, Disclaimer &
Risk Factors
Statutory Details: Constitution: Birla Sun Life Mutual Fund (BSLMF) has been ...
Awards Methodology
Award : CNBC TV18 - CRISIL Mutual Fund of the Year Award for 2007. Birla Sun Life Mutual Fund, Category...
ANANDARAMAN.R, B.Com. ARN-30155
                                                   (FINANCIAL PLANNER & WEALTH MANAGER)
  ...
Annexure 1 – Total Savings with Century SIP

                                                             Century SIP @ Rs...
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CENTURY SIP PRESENTATION

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BIRLA SUNLIFE CENTURY SIP

Taking care of your financial planning needs - completely

Birla Sun Life Centur y SIP is a product of fering from Birla Sun Life Mutual Fund which aids you to Power your investments with an added benefit of upto 100 times monthly SIP installment Free life insurance cover.

Investing in Birla Sun Life Centur y SIP helps you to:

Create wealth, by systematically investing as little as Rs. 1000 per month in Equity Schemes of Birla Sun Life Mutual Fund

Protects, by providing a cushion of security through free insurance cover of up to 100 times the SIP installment in case of an unfor tunate demise.


CONTACT,
ANANDARAMAN.R, B.Com. ARN-30155
(FINANCIAL PLANNER & WEALTH MANAGER)
#107, VYSIAL STREET, PONDICHERRY – 605 001
TEL.: 0413-4210045, MOB.: 9843046519
E-mail; anandpdy@hotmail.com

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CENTURY SIP PRESENTATION

  1. 1. Century SIP SIP with Free Life Insurance Cover upto 100 Times Mutual Fund investments are subject to market risks. Please read the offer document carefully before investing. Page 1
  2. 2. Human Life Cycle Ph ase I P h a se I I P h ase I I I Child’s Marriage Child’s Education Housing Child birth Marriage 22 yrs 38 yrs 10- 20 yrs Education Earning Years Post Retirement Years Age- 22 yrs Age- 60 yrs Mutual Fund investments are subject to market risks. Please read the offer document carefully before investing. Page 2
  3. 3. Phase II – Most Challenging Phase Meet Current Taking Care of Build Capital Make Provisions Recurring Child’s Needs Assets like for Expenses House & Car Retirement Our family continues to have these financial needs, whether we survive or not… Hence we NEED, Investments + Insurance Mutual Fund investments are subject to market risks. Please read the offer document carefully before investing. Page 3
  4. 4. Century SIP A complete solution Mutual Fund investments are subject to market risks. Please read the offer document carefully before investing. Page 4
  5. 5. Unique Value Proposition Century SIP Free Life Power of Mutual Fund Insurance Systematic House of the Cover Investing Year* * Awarded by CNBC TV 18 – Crisil; Please refer to slide number 38 for awards methodology; Past performance may or may not be sustained in the future. Mutual Fund investments are subject to market risks. Please read the offer document carefully before investing. Page 5
  6. 6. Free Life Insurance Cover • Century SIP - SIP with Free Life Insurance Cover • Cost of Insurance to be entirely borne by the AMC • Uniform Insurance Cover* • Year 1 – 10 Times the Monthly SIP Installment • Year 2 – 50 Times the Monthly SIP Installment • Year 3 onwards – 100 Times the Monthly SIP Installment • Limits above are subject to maximum coverage of Rs. 20 lakhs per investor • Life cover continues even if SIP stops • Wide Range of Age Group Covered • Minimum / Maximum Entry Age – 18 Years / Below 46 Years • Cover continues upto the age of 55 years • Investor just needs to sign a “Declaration of Good Health” • No additional documents or medicals are required; only a small questionnaire to be filled up * Subject to specified terms & conditions Mutual Fund investments are subject to market risks. Please read the offer document carefully before investing. Page 6
  7. 7. Various Scenarios Century SIP SIP Continues SIP Stops Scenario Scenario Scenario Scenario SIP continues upto SIP continuing & SIP discontinues SIP discontinues after Maturity unfortunate event of before 3 years 3 years from the date (55 y of age) death happens from the date of 1st of 1st installment installment Life cover Nominee is paid the Life cover ceases Life cover continues @ continues upto age Sum Insured + the fund value* subject to 55 & ceases Fund Value maximum of 100 times thereafter Monthly SIP Installment Note – Insurance cover would cease , if investor redeems (fully / partially) or switch out (fully / partially) units before completion of the Century SIP tenure * Fund Value = Value of units, accumulated under Century SIP, at start of the each policy year. Mutual Fund investments are subject to market risks. Please read the offer document carefully before investing. Page 7
  8. 8. Benefit to the Family Century SIP @ Rs. 5,000 pm Total Benefit to Fund Value Life Cover the Family Unfortunate Event of Death at the end of year 5 408,348 500,000 908,348 Unfortunate Event of Death at the end of year 10 1,150,193 500,000 1,650,193 Rate of Return assumed @ 12% pa Computations - Internal Mutual Fund investments are subject to market risks. Please read the offer document carefully before investing. Page 8
  9. 9. Offers Uniform Insurance Cover 9 Uniform Life Cover through out 9 Life cover paid in addition to the fund value 9 Life cover continues even if SIP discontinues* 9 You get covered when you need it the most i.e. AS YOU GROW OLD 9 Life cover reduces with payment of the SIP installments 9 Life cover proceeds goes to the AMC, towards payment of outstanding SIP installments Scenario – 10 Year SIP @ Rs.2,000 pm Installment Mutual Fund investments are subject to market risks. Please read the offer document carefully before investing. Page 9
  10. 10. Century SIP vs. Others Features Other SIPs with Life Cover* Century SIP Depends on tenure of SIP Upto 100 times Monthly SIP installment Sum Insured Max 10 lakhs Max 20 lakhs Cover continues, if SIP stops after 3 years, Sum Insured (if SIP stops before No insurance cover @ fund value, subject to maximum of 100 maturity) times monthly SIP installment Life Cover Proceeds (in case of pre Goes to AMC towards payment of Goes to the nominee mature death) remaining SIP installments Benefits to Nominee (in case of pre Fund Value + Life Cover equivalent to Fund Value + Life Cover equivalent upto mature death) outstanding SIP installments 100 times SIP installments Minimum SIP Installment Rs. 2,000 pm Rs. 1,000 pm Entry Load 2.25% 2.25% Exit Load 2% thru out the tenure of SIP 2% upto 3 years & Nil thereafter 2% on Fund Value and also on Insurance Exit Load (in case of pre mature death) Nil amount Age Group 20 Y to less than 46 Y 18 Y to less than 46 Y Maximum Age upto which Cover is 55 Y 55 Y Available MinimumTenure 3 years 3 years Maximum Tenure 15 years 37 years Payment Options ECS & Direct Debits ECS, Direct Debits & PDCs * Based on Published Information of other available SIPs Mutual Fund investments are subject to market risks. Please read the offer document carefully before investing. Page 10
  11. 11. Life Cover Continues even if SIP Discontinues Century SIP Other SIPs with Life Cover ~ SIP Discontinues SIP discontinues SIP discontinues before 3 years from after 3 years from the date of 1st the date of 1st installment installment Life cover ceases Life cover continues @ fund value* Life cover ceases subject to maximum of 100 times monthly SIP installment * Fund Value = Value of units, accumulated under Century SIP, at start of the each policy year ~ Based on Published Information of other available SIPs Mutual Fund investments are subject to market risks. Please read the offer document carefully before investing. Page 11
  12. 12. Century SIP vs. Term Insurance Century SIP Term Insurance Free Life Cover Annual / Single Premium No Individual Underwriting Individual Underwriting No Medical Tests Medical Tests* Century SIP @ Rs. 5,000 pm Life Cover – Y 1 = Rs. 50,000; Y 2 = Rs. 250,000; Year 3 onwards = Rs. 500,000 Term Life Insurance Premium for Various Ages Features 25 Y 35 Y 45 Y Year 1 Year 2 Year 3 Year 1 Year 2 Year 3 Year 1 Year 2 Year 3 Sum Insured Rs. 50,000 Rs. 250,000 Rs. 500,000 Rs. 50,000 Rs. 250,000 Rs. 500,000 Rs. 50,000 Rs. 250,000 Rs. 500,000 Premium Payment Term~ 1Y 1Y 28 Y 1Y 1Y 18 Y 1Y 1Y 8Y Annual Premium^ Rs. 210 Rs. 1,050 Rs. 2,100 Rs. 255 Rs. 1,275 Rs. 2,550 Rs. 383 Rs. 1,913 Rs. 30,600 Total Premium Rs. 275 Rs. 1,375 Rs. 58,800 Rs. 255 Rs. 1,275 Rs. 45,900 Rs. 383 Rs. 1,913 Rs. 30,600 Total Savings Rs. 60,060 Rs. 47,430 Rs. 32,896 * May or may not be required; ^ Based on market estimates; ~ upto age 55 Savings with Century SIP Mutual Fund investments are subject to market risks. Please read the offer document carefully before investing. Page 12
  13. 13. Total Savings with Century SIP Could be… Whopping Rs. 200,200* !!! * Refer to Annexure 1 for workings Mutual Fund investments are subject to market risks. Please read the offer document carefully before investing. Page 13
  14. 14. A Million Dollar Question… Is Investing in Equity the Right Choice??? Mutual Fund investments are subject to market risks. Please read the offer document carefully before investing. Page 14
  15. 15. Kal Aaj Aur Kal 1985 2008 Balcony Ticket : Rs 15/- Balcony Ticket : Rs 240/- Inflation Meter: 13.43% p.a. Source & Computations - Internal Mutual Fund investments are subject to market risks. Please read the offer document carefully before investing. Page 15
  16. 16. Kal Aaj Aur Kal 1985 2008 Hotel Bill: Rs.100/- Hotel Bill: Rs 1,200/- Inflation Meter: 11.96% p.a. Source & Computations - Internal Mutual Fund investments are subject to market risks. Please read the offer document carefully before investing. Page 16
  17. 17. Kal Aaj Aur Kal 1985 2008 Petrol Price: Rs. 8 / L Petrol Price: Rs.52 / L Inflation Meter: 8.80% p.a. Source & Computations - Internal Mutual Fund investments are subject to market risks. Please read the offer document carefully before investing. Page 17
  18. 18. Kal Aaj Aur Kal 1985 2008 MBA Course: 40,000/- MBA Course: 8,00,000/- Inflation Meter: 14.59% p.a. Source & Computations - Internal Mutual Fund investments are subject to market risks. Please read the offer document carefully before investing. Page 18
  19. 19. Kal Aaj Aur Kal Aapka Daily Budget Consider this… All Fig. in Rs. Price Of 1985 2008 Toothpaste 5 50 Masala Dosa 5 25 1 Kg of Sugar 4 22 1 Kg of Salt 2 10 1 Kg of Onions 3 18 1 Litre of Milk 4 28 Source & Computations - Internal Mutual Fund investments are subject to market risks. Please read the offer document carefully before investing. Page 19
  20. 20. Kal Aaj Aur Kal Salary 1985 2008 Appreciation Accountant Rs. 5,000 pm Rs.24,000 pm 7.39% p.a. Manager Rs. 8,000 pm Rs. 40,000 pm 7.59% p.a. “Aamdani Athanni, Kharcha Rupaiyah” Source & Computations - Internal Mutual Fund investments are subject to market risks. Please read the offer document carefully before investing. Page 20
  21. 21. How Do I BEAT Inflation??? Investing in Equity is Risky, but Not investing in Equity could be Riskier… Note - Graph above is for illustrative purpose only based on our perception Mutual Fund investments are subject to market risks. Please read the offer document carefully before investing. Page 21
  22. 22. Equity – Best Performing Asset Class Cumulative annualized returns (1985-2006) Source - CLSA Mutual Fund investments are subject to market risks. Please read the offer document carefully before investing. Page 22
  23. 23. Equity – Best Performing Asset Class Growth is a NEED, not an option You are loosing Cumulative annualized returns even your capital (1985-2006) Tax Inflation Source – CLSA; Tax @ 33.33% of FD Returns Mutual Fund investments are subject to market risks. Please read the offer document carefully before investing. Page 23
  24. 24. BSE Sensex – 5 Years CAGR Returns Sensex has Given Positive Returns 22 Times out of 25 (25 periods between 31st Mar 1984 to 31st Mar 2008) Source – BSE India; Computations - Internal Mutual Fund investments are subject to market risks. Please read the offer document carefully before investing. Page 24
  25. 25. Why SIP? Mutual Fund investments are subject to market risks. Please read the offer document carefully before investing. Page 25
  26. 26. The Formula of Creating Wealth Start Early Invest Regularly Create Wealth Mutual Fund investments are subject to market risks. Please read the offer document carefully before investing. Page 26
  27. 27. Start Early You Your Twin • Current Age: 25 years • Current Age: 25 years Total Investment • Start: Today • Start: At age 30 • Invest: 5 years • Invest: 20 years You – Rs. 60,000 • Amount: Rs 12,000 p.a. • Amount: Rs 12,000 p.a. Your Twin – Rs. 240,000 • Redemption at age 60 years • Redemption at age 60 years Your twin stop investing Your twin You start start investing investing You stop investing Age (in years) Rate of return assumed @ 15% pa; Source - Internal Delays could severely affect your wealth creation goals Mutual Fund investments are subject to market risks. Please read the offer document carefully before investing. Page 27
  28. 28. Invest Regularly Illustration Rs.1000/- invested every month for 30 years Even small amounts invested regularly can grow substantially Source - Internal Mutual Fund investments are subject to market risks. Please read the offer document carefully before investing. Page 28
  29. 29. Invest Regularly • It is the small drops that make an ocean • Relieves you of the last minute pressure • Slow and steady wins the race • E.g. Split your Sec 80C investments into smaller amounts and invest every month • Reduces the risk of investing at the wrong time • Difficult to predict the market and know when is the right time We earn regularly; We spend regularly Shouldn’t we also invest regularly? Mutual Fund investments are subject to market risks. Please read the offer document carefully before investing. Page 29
  30. 30. Systematic Investing • Similar to a Recurring Deposit with a bank • Method of investing predetermined amounts of money regularly to benefit from the stock market volatility • Convenient and Hassle-Free • Automatic investments, one-time instruction, transactions on the net • Similar to PF : Small amount invested regularly to become a sizeable sum after some years • Light on the wallet • As low as Rs. 1,000/- per month Mutual Fund investments are subject to market risks. Please read the offer document carefully before investing. Page 30
  31. 31. BSE Sensex – 10 Years SIP SIP @ Rs. 1,000 pm in BSE Sensex (10 Years starting 1st May 98) SIP Returns @ 23.93% Power of Returns for Investments in Rupee Cost Averaging Rs. 425,867 Lump-sum @ 17.22% (As on 30th Apr 2008) 30-Apr-08 Source - MFIE Mutual Fund investments are subject to market risks. Please read the offer document carefully before investing. Page 31
  32. 32. Power of Rupee Cost Averaging • Buying MORE units @ low prices & buying FEWER units @ high prices • Helps AVERAGE out your purchase price • Illustration: Amount Unit Price No. of Units Month Invested (In (In Rs.) Purchased 1 Rs. 1,000 10.00 100.00 Equity investing is 2 Rs. 1,000 9.00 111.11 not about timing the 3 Rs. 1,000 8.50 117.65 4 Rs. 1,000 11.00 90.91 market but time in 5 Rs. 1,000 10.50 95.24 the market 6 Rs. 1,000 10.00 100.00 Total Rs. 6,000 614.91 Total Investment = Rs. 6,000 Value of Lump-sum Investment* = Rs. 6,000 Value of SIP Investment* = Rs. 6,149.10 * At the end of the 6th month Mutual Fund investments are subject to market risks. Please read the offer document carefully before investing. Page 32
  33. 33. BSLAMC Top Performers Outperforming Benchmarks across Time Horizons SIP Returns (%) Date of NAV as on Inception / Scheme 30th Apr 08 Date of 1st (In Rs.) Since 1 Year 3 Years 5 Years Installment Inception Birla Sun Life Equity Fund (G) 230.01 -1.38 28.44 41.97 36.25 27-Aug-98 / BSE 200 10.80 29.02 33.24 26.34 01-Oct-98 Birla Mid Cap Fund (G) 84.91 1.31 28.50 39.69 42.40 03-Oct-02 / CNX Mid Cap 10.63 27.75 34.83 37.97 01-Nov-02 Birla Sun Life Frontline Equity 66.87 9.23 32.48 37.69 39.48 30-Aug-02 / Fund (G) BSE 200 10.80 29.02 33.24 26.34 01-Oct-02 Birla Sun Life Tax Relief 96 (D) 93.82 -5.75 26.61 33.40 37.66 29-Mar-96 / BSE 200 10.80 29.02 33.24 26.34 01-Apr-96 Past performance may or may not be sustained in future. Load and Taxes are not considered for computation of returns. The data assumes the investment of Rs. 1,000/- on 1st day of every month or the subsequent working day. CAGR Returns are computed after accounting for the cash flow by using the XIRR method (investment internal rate of return). G – Growth & D - Dividend Mutual Fund investments are subject to market risks. Please read the offer document carefully before investing. Page 33
  34. 34. Strong Industry Recognition 4 Fund Houses were eligible out of 26. Please refer to slide number 38 for awards methodology; Past performance may or may not be sustained in the future. Mutual Fund investments are subject to market risks. Please read the offer document carefully before investing. Page 34
  35. 35. Other Features Mutual Fund investments are subject to market risks. Please read the offer document carefully before investing. Page 35
  36. 36. Century SIP • Century SIP will be an optional feature • Feature will be available with SIP investments in all equity schemes (open-ended) offered by the BSLAMC • Minimum & maximum investments amounts: • Minimum investment – Rs. 1,000 pm • Maximum investment – There is no upper limit to the monthly installment. • Tenure of the SIP • 55 years less the current completed age of the investor • Load structure • Entry Load – 2.25% for purchase of units • Exit Load o 2% if the units allotted under Century SIP are redeemed or switched out to another scheme before 3 years from the date of allotment; Nil thereafter o In the unfortunate event of death of the investor, the nominee / joint holder may redeem the amount (fund value) without paying any exit load. Mutual Fund investments are subject to market risks. Please read the offer document carefully before investing. Page 36
  37. 37. Life Insurance Cover • Eligibility criterions: • Only individual investors, excluding Non Resident Indians & Persons of Indian Origin • Minimum / Maximum Entry Age – 18 years / below 46 years • Investors enrolling for investments thru Century SIP in designated schemes • Investors signing genuine “Good Heath Declaration” and also providing their Date of Birth, Gender and Nominee details at the specified places in the application form • In case of joint holders in the scheme, only the first unit holder would be eligible for the insurance cover • Commencement of the insurance cover • The Insurance cover will start from the commencement of Century SIP. However, only accidental deaths will be covered for the first 45 days. • When will the insurance cover cease* • At the end of the tenure. i.e., upon completion of 55 years of age. • Discontinuation of Century SIP installments within 3 years from the commencement of the same • Redemption / switch-out (fully or partly) of units purchased under Century SIP before the completion of the Century SIP tenure • Exclusions from the insurance cover • Death due to suicide within first year of commencement of Century SIP • Death within 45 days from the commencement of Century SIP installments except for death due to accident • Death due to pre-existing illness, disease(s) or accident which has occurred prior to commencement of Century SIP * There will be no provision for revival of insurance cover, once ceased Mutual Fund investments are subject to market risks. Please read the offer document carefully before investing. Page 37
  38. 38. Other Terms & Conditions • The Group Life Insurance Cover will be governed by the terms and conditions of the insurance policy with the relevant Insurance Company as determined by the AMC. • Grant of insurance cover to any individual member shall be discretionary on part of Life Insurance Company. • In case of death of the first unit holder, his / her legal representatives may file a claim directly with the designated branch of the Insurance Company supported by all relevant documents as required by the Insurer and the payment of the claim may be made to the legal representatives by the insurance company. All insurance claims will be settled in India and shall be payable in Indian Rupees only. Settlement procedure will be as stipulated by the Insurance Company. Insurance claims will be directly settled by the Insurance Company. There will be only one insurance cover linked to unique investor. This offer from the Insurance Company (with whom the AMC ties up) is being brought to the investors of the Scheme by the AMC on a best effort basis. The AMC will not be responsible or liable for maintaining service levels and/or any delay in processing claims arising out of this facility. • The Mutual Fund, Trustees, AMC, or their Directors, officers or employees shall not be liable for any claims (including but not limited to rejection of any claim, non-settlement, delays etc.) arising out of the insurance cover provided to the unit holder. The Fund is bringing this offer to the investors of the Scheme only as an additional facility and is not acting as an agent for marketing/sales of insurance policies. • Subject to what has been stated above, the AMC reserves a right to modify / annul the said Group Insurance Cover on a prospective basis. The AMC also reserves the right to change the insurance company from time to time. • Charges of the insurance cover will be entirely borne by the AMC. • Investors opting for Birla Sun Life Century SIP agree and confirm to have read, understood and accepted the Terms of Century SIP and Insurance cover. • Insurance is subject matter of solicitation Mutual Fund investments are subject to market risks. Please read the offer document carefully before investing. Page 38
  39. 39. Statutory Details, Disclaimer & Risk Factors Statutory Details: Constitution: Birla Sun Life Mutual Fund (BSLMF) has been set up as a Trust under the Indian Trust Act, 1882. Sponsors: Aditya Birla Nuvo Limited and Sun Life (India) AMC Investments Inc. [liability restricted to seed corpus of Rs. 1 Lac] Trustee: Birla Sun Life Trustee Company Pvt. Ltd. Investment Manager: Birla Sun Life Asset Management Company Ltd. Investment Objective: Birla Advantage Fund: An Open ended Growth Scheme to achieve long-term growth of capital at relatively moderate levels of risk through a diversified research based investment approach. Birla Equity Plan: An Open-ended Equity Linked Savings Scheme to achieve long-term growth of capital along with income tax relief for investment. Birla India Opportunities Fund: An Open-ended Growth Scheme to achieve superior long-term growth of capital by investing in shares of companies that do one or more of the following: Leverage India’s intellectual capital for providing services, research and creative inputs; Seek to use current and impending changes in patent laws / import tariffs / quotas to supply goods and services; Leverage India’s lower labour costs for providing services and manufactured goods; Leverage India’s large population of English speaking people for providing services.Birla MNC Fund: An Open-ended Growth Scheme to achieve long-term growth of capital at relatively moderate levels of risk by making investments in securities of multi-national companies through a research based investment approach.Birla Midcap Fund: An Open-ended Growth Scheme to achieve long-term growth of capital at controlled level of risk by primarily investing in Midcap stocks.Birla India GenNext Fund: An Open ended growth scheme with an objective to target growth of capital by investing in equity/equity related instruments of companies that are expected to benefit from the rising consumption patterns in India, which in turn is getting fuelled by high disposable incomes of the young generation (Generation Next). The scheme will invest in companies that have the following characteristics: 1.Companies that seek growth in revenues arising out of demand from the younger generation (GenNext) for their products or services. 2. They should be engaged in manufacturing of products or rendering of services that go directly to the consumer. 3. The products and services should have distinct brand identity, thereby enabling choice.Birla Top 100 Fund: The fund seeks to provide medium to long-term capital appreciation, by investing predominantly in a diversified portfolio of equity and equity related securities of top 100 companies as measured by market capitalization.Birla Infrastructure Fund: The Fund seeks to provide medium to long-term capital appreciation, by investing predominantly in a diversified portfolio of equity and equity related securities of companies that are participating in the growth and development of Infrastructure in India.Birla Index Fund: An Open-ended Index-Linked Scheme to generate returns commensurate with the performance of Nifty subject to tracking errors.Birla Dividend Yield Plus: An Open-ended Growth Scheme to provide capital growth and income by investing primarily in a well diversified portfolio of dividend paying companies that have a relatively high dividend.Birla Sun Life Buy India Fund: A multi-sector open-end growth scheme with the objective of long term growth of capital, through a portfolio with a target allocation of 100% equity, focusing on investing in businesses that are driven by India’s large population and inherent consumption patterns. The focus of the scheme will be in the consumer and healthcare sectors. The secondary objective is income generation and distribution of dividend.Birla Sun Life New Millennium Fund: A multi-sector open-end growth scheme with the objective of long term growth of capital, through a portfolio with a target allocation of 100% equity, focusing on investing in technology and technology dependent companies, hardware, peripherals and components, software, telecom, media, internet and e-commerce and other technology enabled companies. The secondary objective is income generation and distribution of dividend. Birla Sun Life Basic Industries Fund: A multi-sector open-end growth scheme with the objective of long term growth capital, through a portfolio with a target allocation of 100% equity, focusing on investing in companies sensitive to economic cycles and commodity pricing cycles. The investments will be in companies which are often referred to as cyclical companies. The secondary objective is income generation and distribution of dividend.Birla Sun Life Equity Fund: An open-end growth scheme with the objective of long term growth of capital, through a portfolio with a target allocation of 90% equity and 10% debt and money market securities.Birla Sun Life Tax Relief ’96 Fund: An open-end equity linked savings scheme (ELSS) with the objective of long term growth of capital through a portfolio with a target allocation of 80% equity, 20% debt and money market securities.Birla Sun Life Frontline Equity Fund: An open-end growth scheme with the objective of long term growth of capital, through a portfolio with a target allocation of 100% equity by aiming at being as diversified across various industries and or sectors as its chosen benchmark index, BSE 200. The secondary objective is income generation and distribution of dividend.Birla Sun Life Special Situations Fund: An Open-ended diversified equity scheme with objective to generate long-term capital by investing in a portfolio of equity and equity related securities.The scheme would follow an investment strategy that would take advantage of Special Situations & contrarian investment style.Birla Sun Life International Equity Fund: An Open-ended Diversified Equity Scheme with an objective to generate long-term growth of capital, by investing predominantly in a diversified portfolio of equity and equity related securities in the domestic and international markets. Disclaimer - This document is meant for private circulation only and should not at any point of time be construed to be an invitation to the public for subscribing to the units of Birla Sun Life Mutual Fund (BSLMF) . Birla Sun Life Mutual Fund (BSLMF) does not solicit any action based on the information contained in the document and does not recommend any action based on the same. The information/graphs/charts contained in this document are based on certain assumptions and have been compiled from sources, which Birla Sun Life Asset Management Company Limited (BSLAMC) believes to be reliable, but cannot guarantee its accuracy or completeness. Opinions expressed and facts referred to in this document are subject to change without notice and BSLAMC is under no obligation to update the same. Please read the offer document carefully for scheme specific risk factors and other details before investing. Risk Factors: Mutual Funds and securities investments are subject to market risks and there can be no assurance or guarantee that the objectives of the Schemes will be achieved. As with any investment in securities, the NAV of the Units issued under the Schemes may go up or down depending on the various factors and forces affecting capital markets and money markets. Past performance of the Sponsors / Investment Manager / Mutual Fund does not indicate the future performance of the Schemes and may not necessarily provide a basis of comparison with other investments. The names of the Schemes do not, in any manner, indicate either the quality of the Schemes or their future prospects or returns. Unitholders in the schemes are not being offered any guaranteed/assured returns. For scheme specific risk factors and other details please read the offer document of the schemes available at Investor Service Centres and with Distributors carefully before investing. Mutual Fund investments are subject to market risks. Please read the offer document carefully before investing. Page 39
  40. 40. Awards Methodology Award : CNBC TV18 - CRISIL Mutual Fund of the Year Award for 2007. Birla Sun Life Mutual Fund, Category – Mutual Fund of the Year, out of 26 fund houses. Fund Houses winning at least two awards for their schemes in the category level awards for 2007 were considered for the award based on consistency of fund house's performance across various scheme categories in the four quarterly CRISIL CPR rankings released during the calendar year 2007. The individual CRISIL CPR ranks for their schemes were aggregated on a weighted average basis to arrive at the final ranks for fund houses. Birla Sun Life Frontline Equity Scheme was among the 2 schemes that won the CNBC TV18 - CRISIL Mutual Fund of the Year Award in the category- Large Cap Oriented Equity Funds. In total 22 schemes were eligible for the award universe. Birla MIP was the only scheme that won the CNBC TV18 - CRISIL Mutual Fund of the Year Award in the category- Monthly Income Plans (Conservative). In total 9 schemes were eligible for the award universe. Birla Sun Life Short Term Fund was the only scheme that won the CNBC TV18 - CRISIL Mutual Fund of the Year Award in the category of Income Short Term Funds. In total 12 Schemes were eligible for the award universe. Birla Sun Life Income Fund was the only scheme that won the CNBC TV18 - CRISIL Mutual und of the Year Award in the category of Income Funds. In total 17 Schemes were eligible for the award universe. Schemes present in all four quarter CRISIL CPRs were considered for the award. The award is based on consistency of scheme's performance in the four quarterly CRISIL CPR rankings released during the calendar year 2007. The individual CRISIL CPR parameter scores averaged for the four quarters were further multiplied by the parameter weight as per the CRISIL CPR methodology to arrive at the final scores. Birla Infrastructure Fund was the only scheme that won the CNBC TV18 - CRISIL Mutual Fund of the Year Award in the category- Emerging Equity Fund of the Year. In total 14 schemes were eligible for the award universe. Open ended equity schemes having a one to two year track record as on December 31, 2007 and fulfilling CRISIL's eligibility criteria on disclosure were considered for the award. The award is based on the scheme's performance using the analytical approach of the CRISIL CPR rankings having the analysis period as the year 2007. A detailed methodology of the CRISIL CPR is available at www.crisil.com. Ranking & Award Source: CRISIL Fund Services, CRISIL Ltd. Past performance is no guarantee of future results. ICRA Award: Birla Income Plus (Category- Debt- Schemes –Long Term), 7- Star indicates- Best performance amongst the 5-Star Funds. 1 year Performance for the period ending December 31, 2007. Birla Sun Life Short Term Fund (Growth)- (Category- Liquid Plus Schemes), 7- Star indicates- Best performance amongst the 5-Star Funds. 1 year Performance for the period ending December 31, 2007. The rank is an outcome of an objective and comparative analysis against various parameters, including: risk adjusted return, fund size, sector concentration, portfolio turnover, liquidity, company concentration and average maturity. The ranking methodology did not take into account entry and exit loads imposed by the scheme. The rank is neither a certificate of statutory compliance nor any guarantee on the future performance of Birla Sun Life Mutual Fund or its Schemes. Ranking source and publisher: ICRA Online. Lipper Awards 2008: Methodology: Birla Sun Life Income Fund –Growth: Best Fund –Bond Indian Rupee –General for 3 year performance period ended on December 31, 2007 out of 100 funds and Best Fund –Bond Indian Rupee –General for 10 year performance period ended on December 31, 2007, out of 35 funds. Birla Gilt Plus- Regular Plan- Growth: Best Fund –Bond Indian Rupee –Government for 5 year performance period ended on December 31, 2007, out of 10 funds. Birla Sun Life '95 Fund: Best Fund- Mixed Assets Aggressive- General for 10 year performance period ended on December 31, 2007, out of 6 funds. Entry / Exit load not considered. Past performance is no guarantee of future results. Ranking source: Lipper –A Reuter Company. Scheme Name, Nature & Objective: Birla Sun Life Frontline Equity Fund (an Open- end growth scheme) with an objective of long term growth of capital, through a portfolio with a target allocation of 100% equity by aiming at being as diversified across various industries and or sectors as its chosen benchmark index, BSE 200. Birla Sun Life Monthly Income (an Open-end income scheme) with an objective to generate regular income so as to make monthly and quarterly distribution to unit holders with the secondary objective being growth of capital. Monthly Income is not assured and is subject to availability of distributable surplus. Birla Sun Life Short Term Fund (an Open-end short term income scheme) with an objective to generate income and capital appreciation by investing 100% of the corpus in a diversified portfolio of debt and money market securities with relatively low levels of interest rate risk. Birla Sun Life Income Fund (an Open-end income scheme) with an objective to generate income and capital appreciation by investing 100% of the corpus in a diversified portfolio of debt and money market securities. Birla Infrastructure Fund (an Open-end growth scheme) with an objective of providing for medium to long-term capital appreciation by investing predominantly in a diversified portfolio of equity and equity related securities of companies that are participating in the growth and development of infrastructure in India. Birla Income Plus (an Open-end income scheme) with an objective to generate consistent income through superior yields on its investments at moderate levels of risk through a diversified investment approach. Birla Gilt Plus (an Open-end Government Securities scheme) with an objective to generate income and capital appreciation through investments exclusively in Government Securities. Birla Sun Life '95 Fund (an Open-end balanced scheme) with an objective of long term growth of capital and current income, through a portfolio of equity and fixed income securities. Mutual Fund investments are subject to market risks. Please read the offer document carefully before investing. Page 40
  41. 41. ANANDARAMAN.R, B.Com. ARN-30155 (FINANCIAL PLANNER & WEALTH MANAGER) #107, VYSIAL STREET, PONDICHERRY – 605 001 TEL.: 0413-4210045, MOB.: 9843046519 E-mail; anandpdy@hotmail.com Thank You Mutual Fund investments are subject to market risks. Please read the offer document carefully before investing. Page 41
  42. 42. Annexure 1 – Total Savings with Century SIP Century SIP @ Rs. 20,000 pm Life Cover – Y 1 = Rs. 200,000; Y 2 = Rs. 1,000,000; Year 3 onwards = Rs. 2,000,000 Term Life Insurance Premium for Various Ages Features 25 Y 35 Y 45 Y Year 1 Year 2 Year 3 Year 1 Year 2 Year 3 Year 1 Year 2 Year 3 Sum Insured Rs. 200,000 Rs. 1,000,000 Rs. 2,000,000 Rs. 200,000 Rs. 1,000,000 Rs. 2,000,000 Rs. 200,000 Rs. 1,000,000 Rs. 2,000,000 Premium Payment 1Y 1Y 28 Y 1Y 1Y 18 Y 1Y 1Y 8Y Term~ Annual Premium^ Rs. 700 Rs. 3,500 Rs. 7,000 Rs. 800 Rs. 4,000 Rs. 8,000 Rs. 1,315 Rs. 6,575 Rs. 13,150 Total Premium Rs. 700 Rs. 3,500 Rs. 196,000 Rs. 800 Rs. 4,000 Rs. 144,000 Rs. 1,315 Rs. 6,575 Rs. 105,200 Total Savings Rs. 200,200 Rs. 148,800 Rs. 113,090 ^ Based on market estimates; ~ upto age 55 Mutual Fund investments are subject to market risks. Please read the offer document carefully before investing. Page 42

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