UTI MUTUAL FUNDS BY : SARABJEET SINGH DUA MBA (Marketing) Sarabjeetsinghdua10@gmail.com
What is a Mutual Fund?• A Mutual Fund is a trust that pools the savings of a number of investors who share a common financial goal.• Anybody with an investible surplus of as little as a few thousand rupees can invest in Mutual Funds.• These investors buy units of a particular Mutual Fund scheme that has a defined investment objective and strategy.• The money collected is invested by the fund manager in different types of securities. These could range from shares to debentures to money market instruments, depending upon the scheme’s stated objectives.
Human Life Cycle Phase I Phase II Phase III Child’s Marriage Child’s Education Housing Child birth Marriage 22 yrs 38 yrs 10- 20 yrsEducation Earning Years Post Retirement Years Age- 22 yrs Age- 60 yrs
Individual Investor: Life Stages Earnings Consumption Savings 22 27 40 60Young Independent Young Married Middle Age Retirement All individuals have a finite period to save for their investment goals
UTI MUTUAL FUND• UTI Mutual Fund aims to deliver consistent and stable returns in the medium to long term. With a fairly lower volatility of fund returns, compared to the broad market, we offer a balanced and well -diversified portfolio based on rigorous in-house research.Incorporated on January 14, 2003.
UTI MUTUAL FUNDVision• To be the most preferred Mutual FundMission• To make UTI Mutual Fund:• The most trusted brand that is admired by all stakeholders• The largest and most efficient wealth manager with global presence• The best-in-class customer service provider• The most preferred employer• The most innovative and best wealth creator• A socially responsible organisation known for best corporate governance arch.
Recent AchievementsYear 201228 Feb 2012 UTI Mutual Fund Wins 8 ICRA Mutual Fund Awards 2012 - Awarded Star Fund House Of The Year –DEBT07 Feb 2012 UTI Mutual Fund has been declared as a winner for Customer & Brand Loyalty in the “Mutual Fund Sector”
SERVICES PROVIDED BY UTIFUND ALLOCATION FUND SUGGESTORTOOLS FOR FUND ANALYSIS
1. FUND ALLOCATIONTYPES OF FUNDS INVESTMENTS UTI IS PROVIDING •EQUITY •DEBT •BALANCED •SPECIALITY
EQUITY SCHEMES•UTI - Banking Sector Fund•UTI - Contra Fund•UTI - Dividend Yield Fund•UTI - Energy Fund•UTI - Equity Fund•UTI - Equity Tax Savings Plan•UTI - India Lifestyle Fund•UTI - Infrastructure Fund•UTI - Leadership Equity Fund•UTI - Long Term Advantage Fund•UTI - Long Term Advantage Fund S II•UTI - Master Equity Plan Unit Scheme•UTI - Master Index Fund•UTI - Master Plus Unit Scheme•UTI - Master Value Fund•UTI - Mastershare Unit Scheme•UTI - Mid Cap Fund•UTI - MNC Fund
EQUITY SCHEMES•UTI - Nifty Index Fund•UTI - Opportunities Fund•UTI - Pharma & Healthcare Fund•UTI - Services Industries Fund•UTI - Spread Fund•UTI – Sunder•UTI - Top 100 Fund•UTI - Transportation and Logistics Fd•UTI - Wealth Builder Fund•UTI - Wealth Builder Fund Series II
DEBT SCHEMESWHY DEBT SCHEMES•More liquid than FDs•They are more tax efficient•You dont lose even a days growth•Your returns can be higher•They offer greater flexibility
DEBT SCHEMES•UTI - Bond Fund•UTI - Dynamic Bond Fund•UTI - Fixed Maturity Plan – Quarterly series – QFMP 02 / 12 – I•UTI - Floating Rate Fund Stp•UTI - G-SEC STPUTI - G-Sec-Investment Plan•UTI - Gilt Advantage Fund Ltp•UTI - Liquid Cash Plan•UTI - Money Market Fund•UTI - Short Term Income Fund•UTI - Treasury Advantage Fund
BALANCED SCHEMESWHAT ARE BALANCED FUNDSA mutual fund that buys a combinationof common stock, preferred stock,bonds, and short-term bonds, toprovide both income and capitalappreciation while avoiding excessiverisk. The purpose of balanced funds(also sometimes called hybrid funds) isto provide investors with a singlemutual fund that combines both growthand income objectives, by investing inboth stocks (for growth) and bonds (forincome).
BALANCED SCHEMES•UTI - Balanced Fund•UTI - C.R.T.S. 1981•UTI - CCP Advantage Fund•UTI - Childrens Career Balanced Plan•UTI - Mahila Unit scheme•UTI - Mis Advantage Plan•UTI - Monthly Income Scheme•UTI - Retirement Benefit Pension Fund•UTI - Unit Linked Insurance Plan
SPECIALITY SCHEMESWHAT ARE SPECIALITY FUNDS A mutual fund that is ment for special purposes,, like Mahila Debt Funds, Oldage Retirement Plans etcs are speciality funds.