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Equity: Mid & Small Cap - Five Year Return Fund ICICI Prudential Discovery Inst I ICICI Prudential

Discovery Reg SBI Emerging Businesses Religare Invesco Mid N Small Cap IDFC Sterling Equity Regular Reliance Equity Opportunities Inst Reliance Equity Opportunities IDFC Premier Equity Regular Canara Robeco Emerging Equities Regular Religare Invesco Mid Cap NAV (Date) 26.62 (1-Nov) 57.92 (1-Nov) 52.17 (1-Nov) 18.06 (1-Nov) 21.27 (1-Nov) 34.16 (1-Nov) 42.21 (1-Nov) 39.10 (1-Nov) 25.39 (1-Nov) 17.14 (1-Nov) Returns(%) 30.36 28.87 28.36 26.4 25.87 25.8 25.61 25.4 25.18 25.18

Equity: Large & Mid Cap - Five Year Return Fund Mirae Asset India Opportunities Regular Quantum Long Term Equity UTI Opportunities ICICI Prudential Dynamic Inst I ING Dividend Yield Canara Robeco Equity Diversified Regular ICICI Prudential Dynamic Reg Reliance NRI Equity HDFC Equity Morgan Stanley A.C.E. Reg NAV (Date) 19.62 (1-Nov) 26.68 (1-Nov) 33.70 (1-Nov) 20.84 (1-Nov) 25.62 (1-Nov) 65.23 (1-Nov) 129.34 (1-Nov) 45.40 (1-Nov) 289.54 (1-Nov) 16.28 (1-Nov) Returns(%) 25.32 24.3 23.06 22.85 22.47 22.45 21.69 21.49 21.26 21.17

Debt: Income - Five Year Return Fund ICICI Prudential Income Opportunities Escorts Income IDFC SSI Medium-term Regular Templeton India Income Builder Principal Debt Savings Retail Kotak Bond Deposit Sahara Income Kotak Bond Plan A HSBC Flexi Debt BNP Paribas Flexi Debt NAV (Date) 16.31 (1-Nov) 40.68 (1-Nov) 20.64 (1-Nov) 41.39 (1-Nov) 21.59 (1-Nov) 31.64 (1-Nov) 23.58 (1-Nov) 33.89 (1-Nov) 16.53 (1-Nov) 20.52 (1-Nov) Returns(%) 10.03 9.67 9.36 9.21 9.08 9.06 9.03 9.03 9.03 8.95

Gold: Funds - Five Year Return Fund UTI Gold ETF Quantum Gold R*Shares Gold ETF Kotak Gold ETF Goldman Sachs Gold ETF

(Top 10) NAV (Date) 2,745.60 (1-Nov) 1,366.70 (1-Nov) 2,677.49 (1-Nov) 2,741.64 (1-Nov) 2,733.11 (1-Nov) Returns(%) 18.82 18.81 18.81 18.78 18.77

Equity while provides highest return can be highly volatile in the short run Debt/ Income good to invest if money would be required over a short term but over long run doesnt even compensate Gold has been an outperformer in past 5 years though doesnt beat Equity returns over a 10-20 year horizon, also it has had a very high run up and similar outperformance shouldnt be expected a small exposure to overall portfoli Model Portfolio with a combination of the above three asset class Asset Class weightage Equity 70% Debt 0% Gold 30% Total 100%

Rs. 1 lakh invested over a 5 year horizon during 2008 would have fetched today Asset Equity Debt Gold Total 2008 70,000.00 30,000.00 100,000.00 2013 186,874.88 48,315.30 235,190.18 18.7% ASSUMPTION Equity retuns Debt Gold

21% 9% 10%

Portfolio Return over 5 years

un doesnt even compensate for Inflation 0-20 year horizon, ll exposure to overall portfolio is essential