Income Advantage Fund

Inception: 22 August 2008

Date of

About the Fund:

Objective:
To provide capital preservation and regular income, at a high level of safety over a
medium term horizon by investing in high quality debt instruments.
Strategy:
To actively manage the fund by building a portfolio of fixed income instruments with
medium term duration. The fund will invest in government securities, high rated
corporate bonds, high quality money market instruments and other fixed income
securities. The quality of the assets purchased would aim to minimize the credit risk
and liquidity risk of the portfolio. The fund will maintain reasonable level of liquidity.
Benchmark: Crisil composite Bond Index & Crisil Liquid Fund Index.
Rating Profile

Asset Allocation
Government S ecurities

44.36

49.41

2.49 3.24

4.87
Corporate Debt

42.2

52.93

MMI, Depos its , CBLO & Others

Sovereign

AA

AA+

AAA

Fund Update:
Exposure to Government securities has decreased to 42.20% to 46.21% and to MMI
has increased to 4.87% from 3.33% on a MOM basis.
Income advantage fund continues to be predominantly invested in highest rated
fixed income instruments.

Builder Fund:
of Inception 22 March 2001

Date

About the fund:

Objective:
To build your capital and generate better returns at moderate level of risk, over a
medium or long term period through a balance of investment in equity and debt.
Strategy:
To generate better return with moderate level of risk through active management of
fixed income portfolio and focus on creating long term equity portfolio which will
enhance yield of composite portfolio with low level of risk appetite.
Benchmark: BSE 100 & Crisil Composite Bond Index & Crisil Liquid Fund Index

Asset Allocation

Rating Profile

5.06
17.64
32.12

45.17

36.52
58.44

3.68
1.35

Government Securities
Corporate Debt
Equity

AAA

AA

MMI, Deposits, CBLO & Others

AA+

Sovereign

Top 10 Sectoral Allocation

Maturity (in years)

20

25

ov
e
ab
&
rs

to
2

ye
a

15

ye
a

rs

rs

8.73

n
th
a

10

Le
s

48.87

42.39

ye
a

FM
CG
2.8
2.06

al
M
et

60
50
40
30
20
10
0

12.66
11.77
10.72
8.29
7.65
6.84
5.45

23.48

Fund Update:
Exposure to NCD has slightly decreased to 32.12% from 32.17% while that to MMI
has increased to 5.06% from 3% on a MOM basis. Builder fund continues to be
predominantly invested in highest rated fixed income instruments.

Creator Fund
Date of Inception: 23 Feb 2004
About the Fund:
Objective:
To achieve optimum balance between growth and stability to provide long term
capital appreciation with balanced level of risk by investing in fixed income
securities and high quality equity security.
Strategy:
To ensure capital appreciation by simultaneously investing into fixed income
securities and maintaining diversified equity portfolio. Active fund management is
carried out to enhance policyholders wealth in long run.
Benchmark: BSE 100 & Crisil Composite Bond Index & Crisil Liquid Fund Index
Rating Profile

As s et Allocation

2.02
30.26
50.01
17.71

34.31
63.09

2.8

G-Securities
NCD
Equities
MMI, Deposits, CBLO & Others

AAA

Top 10 S ectoral Allocation

Maturity Profile

80
70
60
50
40
30
20
10
0

FMCG

8.51

Capital Goods

7.92

Oil and Gas

7.32

10

20

30

Le
s

rs
ye
a

ye
a

to

2.86

5.39

an

Telecommunication

th

3.01
s

Others

25.96

ov
e

9.11

ab

Automobile

&

9.39

rs

Financial Services

rs

9.5

68.65

Pharmaceuticals

12.17

ye
a

24

Software / IT

Sovereign

Banking

AA

Fund Update: Exposure to Equities has increased to 50.01% from 49.18% and to
MMI has increased to 2.02% from 1.82% on a MOM basis.
Creator fund continues to be predominantly invested in highest rated income
instruments.

Multiplier Fund
of Inception: 30 October 2007

Date

About the Fund:

Objective:
The provide long term wealth maximization by actively managing a well-diversified
equity portfolio, predominantly comprising of companies whose market
capitalization is between 10 billion to 250 billion. Further, the fund would also seek
to provide a cushion against the sudden volatility in the equities through some
investments in short term money market instruments.
Strategy:
Active Fund Management with potentially 100% equity exposure. Research based
investment approach with a dedicated & experienced in house research team.
Identity undervalued stocks in the growth phase. Focus on riche players with
competitive advantage, in the sunrise industry and potential of being tomorrows
large cap. Emphasize on early identification of stocks.
As s et Allocation

13.2

86.8

Equity
MMI, Deposits, CBLO & Others

Top 10 S ectoral Allocation

Capital Goods
Pharmaceuticals
Banking
Manufacturing
FMCG
Financial Services
Auto Ancilliary
Media
Oil and Gas
Retailing
0

16.36
15.05
12.32
12.26
7.57
7.19
6.93
5.14
4.74
2.94
5

10

15

20

Fund Update:
Exposure to equities has decreased to 86.80% from 96.65% while that to MMI has
increased to 13.20% from 3.35% on MOM basis.
Multiplier fund is predominantly invested in high quality mid cap stocks and
maintains a well-diversified portfolio with investments made across various sectors.

Platinum Premier Fund

Date of Inception: 15 Feb 2010
About the Fund:
Objective:
To optimize the participation in an actively managed well-diversified equity portfolio
of fundamentally strong blue chip companies while using debt instruments and
derivatives to lock-in-capital appreciations. The use of derivatives will be or hedging
purposes only and as approved by IRDA.
Strategy:
To dynamically manage the allocation between equities and fixed income
instruments, while using derivatives when necessary and for hedging purposes only.
The equity investment strategy will revolve around building and actively managing
a well-diversified equity portfolio of value & growth driven fundamentally strong
blue chip companies by following a research focused investment approach. On the
fixed income side, investments will be made in government securities, high rated
corporate bonds and money market instruments.

As s et Allocation

Maturity Profile

2.22

MMI, Deposits, CBLO & Others

Rating Profile

ov
e
ab

to

ye
a

Maturity Profile

Top 10 S ectoral Allocation

24.69

67.37

AAA

Equity

&

2
th
Le
s

Coporate Debt

Sovereign

an

Government securities

7.94

ye
a

ye
a

rs

rs

0.19

rs

24.82

63.41

97.58

120
100
80
60
40
20
0

3.63 8.14

AA+

Banking
Software / IT
Pharmaceuticals
Automobile
Financial Services
Oil and Gas
FMCG
Capital Goods
Cement
Metal
0

25.12
15.33
10.49
10.05
9.94
7.96
6.05
5.39
2.96
2.37
5

10 15 20 25 30

Fund Update: Exposure to equities has increased to 63.41% from 62.32% while
that to MMI has decreased to 3.63% from 5.73% on a MOM basis.
Platinum Premier fund is predominantly invested in large cap stocks and maintain a
well-diversified portfolio
Platinum Advantage Fund
Inception 20 Sept 2010

Date of

About the Fund

Objective: To optimize the participation in an actively managed well diversified
equity portfolio of fundamentally strong blue chip companies while using debt
instruments and derivatives to lock in - capital appreciations. The use of
derivatives will be for hedging purpose only and as approved by IRDA.
Strategy: To dynamically manage the allocation between equities and fixed income
instruments, while using derivatives when necessary and for hedging purposes only.
The equity investment strategy will revolve around building and actively managing
a well-diversified equity portfolio of value and growth driven fundamentally strong
blue-chip companies by following a research-focused investment approach. On the

fixed income side, investments will be made in government securities, high rated
corporate bonds and money market instruments.
As s et Allocation

Rating Profile

7.3 12.34
11.3
69.05

46.79

58.21

G-Securities
Corporate Debt
Equity
MMI, Deposits,CBLO & Others

AAA

Top 10 S ectoral Allocation

Maturity

5 10 15 20 25 30

Top 10 Sectoral Allocation

le
s

ov
e
ab

2.62

an

Cement

2.87

ye
a

5.29

Power

th

Capital Goods

1.21

&

7.01

ye
a

7.45

FMCG

Oil and Gas

18.7

ye
a

9.82
9.36

Automobile
Financial Services

rs

10.09

rs

15.45

Pharmaceuticals

80.09

to

Software / IT

90
80
70
60
50
40
30
20
10
0

rs

24.59

Banking

Sovereign

Maturity

Fund Update:
Exposure to equities has increased to 69.08% from 68.63% while than to MMI has
slightly decreased to 7.30% from 7.35% on a MOM basis.
Titanium II Fund
Inception 16 March 2010

Date of

About the Fund

Objective: To optimize the participation in an actively managed well-defined equity
portfolio of fundamentally strong blue chip companies while using debt instruments
and derivatives to ensure capital protection after five years.
Strategy: To dynamically manage the allocation between equities and fixed
income instruments, while using derivatives when necessary and for hedging

purposes only. The equity investment strategy will revolve around building and
actively managing a well-diversified equity portfolio of value and growth driven
fundamentally strong blue-chip companies by following a research-focused
investment approach. On the fixed income side, investments will be made in
government securities, high rated corporate bonds and money market investments.
As s et Allocation

17.54 3.56

Rating Profile

14.93
38.37

63.97

54.49
7.13

G-Securities
Corporate Debt
Equity
Sovereign

MMI,Deposits,CBLO & Others

AA+

AAA

10

15

20

25

30

Te
le
c

Fi
na
om
nc
So
ia
m
ftw
lS
un
er
ic
ar
at
vi
e
ce
io
/I
n
s
T

Top 10 Sectoral Allocation

Top 10 Sectoral Allocation

Fund Update: Exposure to equities has decreased to 63.97% from 64.01% while
that to MMI has slightly decreased to 17.54% from 17.92% on a MOM basis.
Titanium II fund is predominantly invested in large cap stocks and maintain well a
diversified portfolio.
Pension Growth Fund
Inception 18 March 2003
About the Fund

Date of

Objective: To build your capital and generate better returns at moderate level of
risk, over a medium or long term period through a balance of investment in equity
and debt.
Strategy: Generate better return with moderate level of risk through active
management of fixed income portfolio and focus on creating long term equity
portfolio which will enhance yield of composite portfolio with low level of risk
appetite.
As s et Allocation

12.36

Rating Profile

35.68

19.36
32.61

38.28

52.29

9.48

G-Securities
Corporate Debt
Equity
MMI, Deposits, CBLO & Others

AAA

Top 10 S ectoral Allocation

10 15 20 25

Top 10 Sectoral Allocation

68.71

26.76

ov
e

rs

ab

ye
a
an

7
to

rs

th

an

ye
a

rs

4.53

ye
a

80
70
60
50
40
30
20
10
0

20.15
14.08
11.25
9.87
9.77
8.96
5.67
3.98
3.52
3.01

Sovereign

Maturity Profile

le
s

Banking
Pharmaceuticals
Software / IT
FMCG
Automobile
Capital Goods
Financial Services
Oil and Gas
Cement
Manufacturing

AA

Maturity Profile

Fund Update:
Exposure to equities has slightly decreased to 19.36% from 19.51% and to MMI has
decreased to 12.36% from 18.16% on a MOM basis.

Pension Enrich Fund

Date of Inception 12 March 2003
About the Fund
Objective: To grow your capital through enhanced returns over a medium to long
term period through investments in equity and debt instruments, thereby providing
a good balance between risk and return.
Strategy: To earn capital appreciation by maintaining diversified equity portfolio
and seek to earn regular return on fixed income portfolio by active management
resulting in wealth creation for policy holders.
Benchmark: BSE 100 & Crisil Composite Bond Index & Crisil Liquid Fund Index
As s et Allocation

Rating Profile

5.36
40.31

31.94

30.8
22.39

64.29

4.91

G-Securities
Corporate Debt
Equities
MMI,Deposits,CBLO & Others

AAA

80
70
60
50
40
30
20
10
0

7.59

rs

7.57

ye
a

2.1
10

15

Top 10 S ectoral Allocation

Fund Update:

20

25

to

th

an

2.49

Metal

Le
s

Agri Related

4.63

FMCG
Oil and Gas

ov
e

Financial S ervices

22.46
9.41

ab

7.71

ye
a

Capital Goods

&

9.66

rs

13.59

Automobile

Pharmaceuticals

ye
a

13.81

68.13

rs

23.72

S oftware / IT

Sovereign

Maturity Profile

Top 10 Sectoral Allocation

Banking

AA

Maturity Profile

Exposure to equities has decreased to 31.94% from 34.30% while that to MMI has
increased to 5.36% from 2.61% on a MOM basis.
Pension Nourish Fund
Inception 12 March 2003

Date of

About the Fund

Objective:
To generate persistent return through active management of fixed income portfolio
and focus on creating long term equity portfolio, which will enhance yield of
composite portfolio with minimum risk appetite.
Strategy:
To invest in fixed income securities with marginal exposure to equity up to 10% at
low level of risk. This fund is suitable for those who want to protect their capital and
earn steady return on investment through higher exposure to debt securities.
Rating Profile

As s et Allocation

25%3%3%
69%

45.58

49.75
4.69

G- Securities
Corporate Debt
Equity
MMI, Deposits, CBLO & Others

Sovereign

2
s

10

15

20

Top 10 Sectoral Allocation

Fund Update

25

30

Le
s

3.25
2.87

th

Metal
Cement

ye
a

5.52
an

FMCG

ye
a

6.48

Capital Goods

5.08

to

6.48

Financial Services

ov
e

9.29

ab

Pharmaceuticals

29

rs

9.59

&

10.14

Oil and Gas

rs

13.96

65.92

70
60
50
40
30
20
10
0

ye
a

24.93

rs

Banking
Automobiles

AA+

Maturity Profile

Top 10 S ectoral Allocation

Software / IT

AAA

Maturity Profile

Exposure to equities has slightly increased to 10% from 9.93% while that to MMI has
slightly decreased to 3.55% from 3.90% on a MOM basis.