Templeton India Pension Plan (TIPP) is an open-end tax saving scheme that aims to provide regular income through dividends and capital appreciation. It has a lock-in period of 3 years and allows tax deductions of up to Rs. 1 lakh per year. The fund invests up to 40% in equities for growth potential and the rest in debt instruments for stability. The objective is to help investors build their retirement corpus by starting contributions early and benefitting from long-term capital appreciation to stay ahead of inflation.

1. As of 30 September 2010
TEMPLETON INDIA
PENSION PLAN
INVESTMENT OBJECTIVE
An open-end tax saving scheme whose objective
is to provide investors regular income under the
Dividend Plan and capital appreciation under
the Growth Plan
An open-end tax saving scheme with a
lock-in period of 3 financial years that
gives you the flexibility to invest
whenever you have a surplus unlike
some of the other retirement products
While debt component of the portfolio
can provide stability, equity can help
enhance the value of your retirement
corpus
Tax deduction upto `1 lac per year on
your investment amount under Section
80C
No entry loads / up-front charges and
hence units are allotted for 100% of
invested amount unlike ULIPs
Equity exposure (upto 40%) could give
your investment the potential to stay
ahead of inflation
Key Highlights:
Planning for your retirement is one of the most critical aspects of financial planning.
If you wish to retain your financial independence and maintain a comfortable lifestyle
even when you are no longer earning, it becomes imperative for you to start planning
for your retirement as early as possible.
It’s simple. The more time you give your money, the more it will grow. For example,
`100,000 invested for 10 years at 8% will grow to just `215,892 while the same
money invested for 20 years grows to `466,096. See the difference?
Consider the cost of a loaf of bread. Bread that used to cost less than `10 around 10
years back, today costs around `20. Not just that, in the next 10-20 years, this will
keep going up and could reach as high as `50 per loaf. Unthinkable but yes, that is
the effect of inflation on your purchasing power– it can erode the value of your money
over time. Consider an example: See what inflation can do to your `1,000 over time.
What you can buy for the same `1,000 today will cost a lot more in the years to come.
START EARLY
BEAT INFLATION
CHOOSE THE RIGHT INVESTMENT
Where you invest matters most when you wish to build a sizable retirement corpus. In
fact, just a small difference in your long-term investment performance can make a big
impact on your retirement corpus. This boost to your investment can come by investing
a portion of your money into equities – an asset class that may be volatile in the short
term but can be highly rewarding in the long term. Consider the example given below.
Investing `10,000 every year since the age of 30 until the age of 58 at different rates
of assumed return of 8%, 12% and 15% can give highly varying returns.
PRESENTING TEMPLETON INDIA PENSION PLAN (TIPP)
ASSET MIX
Other Current Asset
33.05%
Equity
33.73%
Debt
33.22%
Templeton India Pension Plan (TIPP) is a central government notified pension scheme
from the private sector that can help you build your retirement corpus. The fund invests
up to 40% of its assets in the stock market and the remaining in debt instruments. TIPP
gives you the flexibility to invest whenever surplus money is available. There is no
restriction on maximum investment amount.
30 Years20 Years10 Years
`17,449
`4,322
`6,727
`2,653`2,594
`1,629
Inflation Rate 5%* Inflation Rate 10%* (* Assumed)
8% 12% 15%
`544,568
`1,309,671`915,026
`3,014,733
`1,366,316
`5,736,280
`179,771
`231,331
`280,017
At age 40 At age 50 At age 60
Given the circumstances, an investment option that has the potential to beat inflation
in the long run and as well as build a sizeable retirement corpus would be the ideal
choice to invest in.

2. Investment Objective and Scheme classification: Templeton India Pension Plan is an open end tax-saving scheme seeking to provide regular income
under the Dividend Plan and capital appreciation under the Growth Plan. Load Structure: Entry: TIPP: Nil; Exit: TIPP (Subject to the completion of
lock-in-period and minimum target investment) 3% if redeemed before the age of 58 years, NILif redeemed after the age of 58 years.The minimum target
amount in both cases should be `10,000. All investments in TIPP are subject to a minimum lock-in period of 3 financial years. Risk Factor: All
investments in mutual funds and securities are subject to market risks and the NAVof the scheme may go up ordown depending upon the factors
and forces affecting the securities market.There can be no assurance that a scheme's investment objectives will be achieved.The past performance
of the mutual fund managed by the Franklin Templeton Group and its affiliates is not necessarily indicative of future performance of the scheme. The
above is only the name of the scheme and does not in any manner indicate the quality of the scheme, it's future prospects or returns. All
subscriptions in Templeton India Pension Plan is subject to a lock-in period of 3 full financial years and the unitholder cannot redeem, transfer, assign or
pledge the units for 3 full financial years from the date of allotment.The trustee,AMC, their directors or their employees shall not be liable for any of the tax
consequences that may arise, in the event that the scheme is wound up before the completion of the lock-in period. Investors are requested to review the prospectus carefully and obtain expert professional
advice with regard to specific legal, tax and financial implications of the investment/participation in the scheme. The Mutual Fund is not guaranteeing or assuring any dividend under the scheme and the
payment of dividend is subject to availability and adequacy of distributable surplus. The investments made by the scheme are subject to external risks. Please read the Statement ofAdditional Information
(SAI) and Scheme Information Document (SID) carefully before investing. Statutory Details: Franklin Templeton Mutual Fund in India has been set up as a trust by Templeton International Inc. (liability
restricted to the seed corpus of `1 lac) with FranklinTempletonTrustee Services Pvt. Ltd. as theTrustee (Trustee under the IndianTrustsAct, 1882) and FranklinTempletonAsset Management (India) Pvt. Ltd.
astheInvestmentManager.TheFundoffersNAVs,purchasesandredemptionsonallbusinessdaysexceptduringbookclosure.
Copyright © 2010. Franklin Templeton Investments. All rights reserved.
ASSET COMPOSITION - EQUITY PORTION
Registered Office: Franklin Templeton Asset Management (India) Pvt Ltd.
Level 4, Wockhardt Towers, Bandra Kurla Complex, Bandra (East), Mumbai 400 051
Mobile phones by prefixing the local city code; local call rates apply for both numbers. Helpline available from 8 a.m. to 9 p.m. Monday to Saturday
service@templeton.com www.franklintempletonindia.com
NAV PERFORMANCE
For more information, please contact :
Investors: 1800 425 4255, 6000 4255
Distributors:1800 425 9100, 6000 9100
VOLATILITY MEASURES - DEBT PORTION
* Pre fund expenses
Average Maturity : 2.19 Years
YTM : 7.79%*
WHY FRANKLIN TEMPLETON ?
Franklin Templeton Worldwide
Franklin Templeton in India
Premier global investment management organization with over 60 years of global
investment experience
Head-quartered in San Mateo, California with offices in 30 countries worldwide
Over 459 investment professionals managing USD 600.4 billion in assets for 22 million
investor accounts (as of 31 August 2010)
Global research expertise of over 100 investment professionals
Established office in 1996
Largest foreign fund house in India managing INR 42,142 crore of average Assets Under
Management for over 20 lac investor accounts
Extensive experience in both equity and debt across market cycles : 9 of our funds
have a performance track record of over 10 years
Focus on local needs backed by global expertise
FUND DETAILS
Fund Manager:
Anand Radhakrishnan
Sachin Padwal-Desai
Umesh Sharma
Date Of Allotment:
31 March 1997
Load Structure:
Entry Load: Nil
Exit Load: 3% if redeemed before the age
of 58 years, NIL if redeemed after the age
of 58 years. (Subject to the completion of
lock-in-period of 3 financial years and
minimum target investment of `10,000)
Minimum Investment:
`500 and in multiples of `1
Fund Size:
`213.46 Cr
Past performance may or may not be sustained in future. * Compounded and annualized returns based on
30 September 2010 Growth Plan NAV ` Inception date: 31 March 1997.
and Bonus is adjusted. Load is not taken into consideration. 10 year and since inception returns of Benchmark not available.
** 40% S & P CNX 500 + 60% Crisil CompositeBond Fund Index
58.6830. Dividends are assumed to be reinvested
1 year (` 12,000) 12,972 15.43% 12,949 15.06%
3 years (` 36,000) 42,786 11.56% 43,989 13.48%
5 years (` 60,000) 77,448 10.16% 80,127 11.53%
Since Inception (` 162,000) 435,876 13.64% N.A. N.A.
TIPP`1000 per month over
` CAGR ` CAGR
Benchmark**
BENEFITS OF INVESTING SYSTEMATICALLY
If you had invested `1000 every month through a Systematic Investment Plan (SIP) in
TIPP, it would have grown to:
Past performance may or may not be sustained in future. Annualized and compounded returns based on
30 September 2010 Growth Plan NAV of `58.6830. Load is not taken into consideration. Dividends assumed to be
reinvested and Bonus adjusted. Monthly investment of equal amounts invested on the 1st day of every month has been
considered. Inception Date: 31 March 1997.
** 40% S & P CNX 500 + 60% Crisil Composite Bond Fund Index
Banks
24.97%
Power
3.40%
Industrial
Capital
Goods
10.74%
Telecom - Services
9.56%
Petroleum
Products
6.95%
Consumer
Non Durables
3.53%
Cement
5.40%
Construction
Project
5.06%
Software
10.66%
Industrial
Products
4.33%
Rest
15.40%
TIPP - Growth Benchmark**
Since Inception*
(31 March 1997)
10 Year* 5 Year* 3 Year* 1 Year
Investors may pay fees to AMFI registered distributors based on the assessment of services rendered.
14.00% 13.94%
10.43%
5.58%
11.49%11.24%
7.85%
11.21%