Elite Life Super

Name Mr

Plan Age Limited Premium Sum Assured PPT Term FMC/TER Elite Life-Growth %

ELS 7 500000 5000000 10 30 1.35% 14

MF 7 500000 0 10 30 2.50% 14

* This illustration is for self understanding. It should not be used as the illustration for prospects or for customers or for adv or for mass promotion.
 Growth as per EBI

Initial Mortality Loyalty Fund At the

Age Yrs Prem. Growth
charges charges additions End

7 1 500000 25000 2944 518368 756 519124

8 2 500000 25000 2246 1100819 756 1101575

9 3 500000 25000 1817 1754802 756 1755558

10 4 500000 25000 1471 2488926 756 2489682

11 5 500000 25000 1163 3312902 756 3313658

12 6 500000 15000 758 4252341 8505 4260846

13 7 500000 15000 179 5316549 756 5317305

14 8 500000 10000 0 6519231 756 6519987

15 9 500000 10000 0 7882116 756 7882872

16 10 500000 10000 0 9416406 756 9417162

17 11 0 0 0 10806387 756 10807143

18 12 0 0 0 12159905 756 12160661

19 13 0 0 0 13683651 756 13684407

20 14 0 0 0 15399033 756 15399789

21 15 0 0 0 17330151 756 17330907

22 16 0 0 0 19892972 756 19893728

23 17 0 0 0 22389277 756 22390033

24 18 0 0 0 25199532 756 25200288

25 19 0 0 0 28363223 756 28363979

26 20 0 0 0 31924799 756 31925555

 Comparison
FMC/ER on Fv 2.50% All.chrg on Prem 5.00%

AER@T15 on Fv 0.30% MF FMC on fund 1.35% Elite Life Super

S Tax on chrg 18.00% S Tax on chrg 18.00%

Investible Growth Add. Exp. Fund At the Allocation Mort Pol.A Fund Loyalty
Yrs Prem. Exp Ratio S. Tax Net Growth Tax @10% Age Yrs Prem. FMC S. Tax
amount-A Before FMC ratio @ T15 End charges chrg dmin Growth additions

1 500000 500000 570000 14250 1710 2873 551167 0 551167 7 1 500000 25000 2944 4200 7111 7066 518368 0

2 500000 1051167 1198331 29958 3595 6040 1158738 0 1158738 8 2 500000 25000 2246 4200 15102 8379 1100819 0

3 500000 1658738 1890961 47274 5673 9530 1828484 0 1828484 9 3 500000 25000 1817 4200 24073 9916 1754802 0

4 500000 2328484 2654471 66362 7963 13379 2566768 0 2566768 10 4 500000 25000 1471 4200 34144 11667 2488926 0

5 500000 3066768 3496115 87403 10488 17620 3380604 -88060.35 3292543 11 5 500000 25000 1163 4200 45448 13646 3312902 0
6 500000 3775998 4423888 110597 13272 22296 4277723 0 4277723 12 6 500000 15000 758 4200 58336 14093 4252341 8505

7 500000 4761178 5446604 136165 16340 27451 5266648 0 5266648 13 7 500000 15000 179 4200 72935 16617 5316549 10633

8 500000 5750103 6573979 164349 19722 33133 6356775 0 6356775 14 8 500000 10000 0 4200 89434 18654 6519231 22817

9 500000 6840230 7816723 195418 23450 39396 7558459 0 7558459 15 9 500000 10000 0 4200 108131 22020 7882116 27587

10 500000 8041914 9186643 229666 27560 46301 8883116 -388312 8494804 16 10 500000 10000 0 4200 129179 25808 9416406 32957
11 0 8494804 10126752 253169 30380 51039 9792164 9792164 17 11 0 0 0 4200 148248 27441 10806387 37822

12 0 9792164 11163067 279077 33489 56262 10794240 10794240 18 12 0 0 0 4200 166816 30783 12159905 42560

13 0 10794240 12305433 307636 36916 62019 11898862 11898862 19 13 0 0 0 4200 187720 34546 13683651 47893

14 0 11898862 13564702 339118 40694 68366 13116525 13116525 20 14 0 0 0 4200 211252 38781 15399033 53897

15 0 13116525 14952838 373821 44859 75362 14458796 -945880 13512917 21 15 0 0 0 4200 237744 43550 17330151 60656
16 0 13512917 16483028 412076 49449 83074 15938428 15938428 22 16 0 0 0 4200 272902 49878 19892972 69625

17 0 15938428 18169808 454245 54509 91576 17569478 17569478 23 17 0 0 0 4200 307148 56043 22389277 78362

18 0 17569478 20029205 500730 60088 100947 19367440 19367440 24 18 0 0 0 4200 345701 62982 25199532 88198

19 0 19367440 22078882 551972 66237 111278 21349395 21349395 25 19 0 0 0 4200 389102 70794 28363223 99271

20 0 21349395 24338311 608458 73015 122665 23534173 -1853417 21680756 26 20 0 0 0 4200 437962 79589 31924799 111737
Wealth
Net Growth
Booster

518368

1100819

1754802

2488926

3312902
4260846

5327182

6542048

7909704

188328 9637692
0 10844209

0 12202465

0 13731544

0 15452929

346603 17737410
0 19962598

0 22467639

0 25287731

0 28462494

638496 32675032
 Scenerio 1 Scenerio-2

SIP 25000 SIP 41,667

Years 7 Years 7
Return 12% Return 12%
FV 32,99,475 FV 54,99,170
For next 8 years For next 8 years
Return 12% Return 12%
Years
Remainin Years
g 8 remaining 8
FV 81,69,378.6 FV 1,36,15,742
 Comparision with Cumulative- ATP
FMC/TER on Fund 2.50% All.chrg on Prem 5.00%
Add Exp @T15 on Fund 0.30% MF FMC on fund 1.05% Elite Wealth
S Tax on chrg 12.36% S Tax on chrg 12.36%

Servic
Growth
Allocati e tax
Add. Loyal Before
Investible Exp on on Investible Investible Sum At Mort Pol.Adm Growth before FMC-
Age Yrs Prem. ` Exp ratio S. Tax Net Growth ty Age Yrs Prem. FMC- S Tax
Amount - A Ratio charge initial amount amount- A Risk chrg in FMC Avg
@ T15 add Taken from
s charge
C-ATP
s

7 1 500000 500000 570000 14250 1710 1973 552067 0 7 1 500000 10000 1236 488764 488764 4511236 3248 6000 478373 541219 5683 3081

8 2 500000 1052067 1199357 29984 3598 4151 1161624 0 8 2 500000 10000 1236 488764 1023597 3976403 2863 6000 1013639 1122880 11790 3789
9 3 500000 1661624 1894251 47356 5683 6556 1834657 0 9 3 500000 10000 1236 488764 1598397 3401603 2551 6000 1588788 1861126 19542 4708

10 4 500000 2334657 2661509 66538 7985 9211 2577776 0 10 4 500000 10000 1236 488764 2327933 2672067 2057 6000 2318879 2601176 27312 5608

11 5 500000 3077776 3508664 87717 10526 12143 3398279 0 11 5 500000 10000 1236 488764 3059252 1940748 1650 6000 3050657 3228328 33897 6371

vs
12 6 500000 3881734 4425176 110629 13276 15315 4285957 0 12 6 500000 15000 1854 483146 3673386 1326614 1274 0 3671955 3439401 36114 6475

13 7 500000 4769412 5437129 135928 16311 18817 5266073 0 13 7 500000 15000 1854 483146 3890467 1109533 1132 0 3889195 4449043 46715 7768

14 8 500000 5749528 6554462 163862 19663 22684 6348253 0 14 8 500000 15000 1854 483146 4890691 109309 118 0 4890559 4835596 50774 8144

15 9 500000 6831708 7788148 194704 23364 26953 7543126 0 15 9 500000 15000 1854 483146 5273639 0 0 0 5273639 5320686 55867 8759

16 10 500000 8026581 9150303 228758 27451 31667 8862427 0 16 10 500000 15000 1854 483146 5754204 0 0 0 5754204 5620853 59019 9149

17 11 0 8862427 10103166 252579 30309 34965 9785313 0 17 11 0 0 0 0 5568426 0 0 0 5568426 6073919 63776 7883

18 12 0 9785313 11155257 278881 33466 38606 10804303 0 18 12 0 0 0 0 6038273 0 0 0 6038273 6143686 64509 7973

19 13 0 10804303 12316906 307923 36951 42626 11929406 0 19 13 0 0 0 0 6107631 0 0 0 6107631 6694452 70292 8688

20 14 0 11929406 13599523 339988 40799 47065 13171671 0 20 14 0 0 0 0 6655165 0 0 0 6655165 7561198 79393 9813

21 15 0 13171671 15015705 375393 45047 51966 14543299 0 21 15 0 0 0 0 7516824 0 0 0 7516824 8350445 87680 10837

22 16 0 14543299 16579361 414484 49738 57378 16057761 0 22 16 0 0 0 0 8301440 0 0 0 8301440 9219691 96807 11965

23 17 0 16057761 18305847 457646 54918 63353 17729931 0 23 17 0 0 0 0 9165585 0 0 0 9165585 10411983 109326 13513

24 18 0 17729931 20212121 505303 60636 69950 19576231 0 24 18 0 0 0 0 10350880 0 0 0 10350880 11661931 122450 15135

25 19 0 19576231 22316904 557923 66951 77234 21614796 0 25 19 0 0 0 0 11593492 0 0 0 11593492 13346707 140140 17321

26 20 0 21614796 24640868 616022 73923 85277 23865646 0 26 20 0 0 0 0 13268381 0 0 0 13268381 14544877 152721 18876
 Loyalty
Fund Growth addition Net Growth
s

534833 0 534833

1109633 0 1109633
1839169 0 1839169

2570488 0 2570488

3190240 0 3190240

3398824 8497 3407321

4396554 10991 4407545

4778546 11946 4790493

5257914 13145 5271058

5554540 13886 5568426

6002260 36014 6038273

6071204 36427 6107631

6615472 39693 6655165

7471992 44832 7516824

8251929 49512 8301440

9110919 54666 9165585

10289145 61735 10350880

11524346 69146 11593492

13189245 79135 13268381

14373280 86240 14459519

 MF Switch Impact 700% 15% 1.50%
Amount Invested Growth in 6 Months STCG Exit Load Value After 6 Months
500000 35000 5250 8025 521725

Corpus Invested in Debt Growth in 6 Months STCG Exit Load Value After Year
521725 23478 7748 8178 529277

Average Return Reduction in Return Impact of Switch

11.50% 5.64% 49.08%
 Growth in Equity 14%
Growth in Debt 9%

Return Net Return

29277 5.86%
 ATP-Calculator
Name Mr
Investible Prem After all
Elite- Wealth

462070 Year Year 1 Year 2 Year 3 Year 4 Year 5

Chrg
ATP in % 8.33% ATP- Absolute Amt 38490 83574 132026 193522 255168
Money mkt NAV 10.00 Growth of Income Fund 8% Equity Growth 10%

Money Market Fund- Safety of returns SIP - Equity Advantage

Money Money Money Units Maximiser

Month

Invest in Remaining Money mkt Units Total Growth :

year

mkt Units mkkt mkt redemptio ATP AMT NAV Fund Growth -
Money Mkt Units Growth-A allocation A+B
allocation NAV Growth ns for ATP B
1 462070 46207 10.07 465150 3824 42383 38490 10.0 3849
2 423579 42383 10.13 429504 3798 38585 38490 9.0 4277
3 385089 38585 10.20 393621 3773 34812 38490 10.2 3774
After Year 1
4 346599 34812 10.27 357498 3748 31064 38490 8.0 4811
5 308108 31064 10.34 321134 3723 27341 38490 9.0 4277
6 269618 27341 10.41 284528 3699 23642 38490 9.5 4052
1 7 231127 23642 10.48 247678 3674 19968 21219 38490 10.0 3849 520000
8 192637 19968 10.55 210582 3650 16318 38490 10.2 3774
9 154147 16318 10.62 173239 3626 12693 38490 10.0 3849
10 115656 12693 10.69 135647 3602 9091 38490 10.5 3666 541219
11 77166 9091 10.76 97804 3578 5513 38490 10.7 3597
12 38675 5513 10.83 59709 3554 1959 38490 11.0 3499
Total Units 47273
During Renewal entire fund is swiched from Maximizer to Debt to give double impact of ATP.
1 1003289 92640 10.90 1009977 7666 84974 83574 11.0 7598
2 919715 84974 10.97 932579 7615 77359 83574 12.0 6964
3 836141 77359 11.05 854665 7565 69794 83574 10.0 8357
After Year 2
4 752567 69794 11.12 776232 7514 62280 83574 15.0 5572
5 668993 62280 11.20 697276 7465 54815 83574 13.0 6429
6 585419 54815 11.27 617793 7415 47400 83574 14.0 5970
2 7 501845 47400 11.35 537781 7366 40034 46072 83574 11.0 7598 1076808
8 418271 40034 11.42 457235 7317 32716 83574 10.0 8357
9 334697 32716 11.50 376152 7269 25447 83574 9.0 9286
10 251123 25447 11.57 294529 7221 18227 83574 10.0 8357 1122880
11 167549 18227 11.65 212361 7173 11054 83574 11.0 7598
12 83975 11054 11.73 129646 7125 3928 83574 12.1 6907
Total Units 88992
During Renewal entire fund is swiched from Maximizer to Debt to give double impact of ATP.
1 1584950 135132 11.81 1595516 11182 123950 132026 12.1 10911
2 1452924 123950 11.89 1473247 11108 112842 132026 13.0 10156
3 1320897 112842 11.97 1350162 11034 101808 132026 11.0 12002
After Year 3
4 1188871 101808 12.04 1226256 10961 90847 132026 10.0 13203
5 1056845 90847 12.13 1101525 10889 79958 132026 12.0 11002
6 924818 79958 12.21 975962 10817 69141 132026 11.0 12002
3 7 792792 69141 12.29 849562 10745 58397 72782 132026 10.5 12574 1788344
8 660766 58397 12.37 722319 10674 47723 132026 13.0 10156
9 528739 47723 12.45 594228 10603 37120 132026 14.0 9430
10 396713 37120 12.53 465283 10533 26587 132026 12.0 11002 1861126
11 264687 26587 12.62 335478 10463 16124 132026 11.0 12002
12 132660 16124 12.70 204808 10394 5730 132026 13.3 9919
Total Units 134361
During Renewal entire fund is swiched from Maximizer to Debt to give double impact of ATP.
1 2323196 182895 12.79 2338684 15134 167760 193522 13.3 14540
2 2239622 167760 12.87 2159463 15034 152726 193522 14.0 13823
3 2156048 152726 12.96 1979047 14934 137792 193522 15.0 12901
After Year 4
4 2072474 137792 13.04 1797428 14836 122956 193522 16.0 12095
5 1988900 122956 13.13 1614598 14737 108219 193522 13.5 14335
6 1905326 108219 13.22 1430550 14640 93579 193522 12.2 15862
4 7 1821752 93579 13.31 1245275 14543 79037 106683 193522 12.0 16127 2494493
8 1738178 79037 13.40 1058764 14446 64590 193522 11.0 17593
9 1654604 64590 13.49 871010 14351 50240 193522 13.0 14886
10 1571030 50240 13.58 682005 14256 35984 193522 15.0 12901 2601176
11 1487456 35984 13.67 491739 14161 21823 193522 16.0 12095
12 1403883 21823 13.76 300205 14068 7755 193522 14.6 13218
Total Units 170377
 During Renewal entire fund is swiched from Maximizer to Debt to give double impact of ATP.
1 3063246 222674 13.85 3083668 18426 204248 255168 14.6 17428
2 2979672 204248 13.94 2847356 18304 185944 255168 15.0 17011
3 2896098 185944 14.03 2609469 18183 167761 255168 13.0 19628
After Year 5
4 2812524 167761 14.13 2369996 18062 149699 255168 16.0 15948
5 2728950 149699 14.22 2128926 17943 131756 255168 18.0 14176
6 2645376 131756 14.32 1886249 17824 113933 255168 20.0 12758
5 7 2561802 113933 14.41 1641955 17706 96227 140666 255168 16.0 15948 3087661
8 2478228 96227 14.51 1396032 17588 78638 255168 14.0 18226
9 2394654 78638 14.60 1148469 17472 61166 255168 16.0 15948
10 2311080 61166 14.70 899256 17356 43810 255168 18.5 13793 3228328
11 2227507 43810 14.80 648382 17241 26569 255168 17.0 15010
12 2143933 26569 14.90 395835 17127 9442 255168 16.1 15844
Total Units 191719
Entire fund is swiched from Maximizer to Debt to give double impact of ATP.
1 3228328 216689 15.00 3249850 17931 198758 268920 16.1 16698
2 3144754 198758 15.10 3000803 17812 180946 268920 20.0 13446
3 3061180 180946 15.20 2750096 17694 163252 268920 21.5 12508
After Year 6
4 2977606 163252 15.30 2497717 17577 145676 268920 18.0 14940
5 2894032 145676 15.40 2243656 17460 128215 268920 16.0 16807
6 2810458 128215 15.50 1987901 17345 110870 268920 17.0 15819
6 7 2726884 110870 15.61 1730442 17230 93641 148247 268920 16.0 16807 3291154
8 2643310 93641 15.71 1471265 17116 76525 268920 15.0 17928
9 2559736 76525 15.82 1210361 17002 59522 268920 17.0 15819
10 2476162 59522 15.92 947718 16890 42633 268920 19.2 14006 3439401
11 2392588 42633 16.03 683324 16778 25855 268920 17.0 15819
12 2309014 25855 16.14 417167 16667 9188 268920 17.7 15180
Total Units 185777
Entire fund is swiched from Maximizer to Debt to give double impact of ATP.
1 3439401 213164 16.24 3462330 17639 195525 286502 17.7 16172
2 3355827 195525 16.35 3197000 17522 178003 286502 16.0 17906
3 3272253 178003 16.46 2929902 17406 160597 286502 17.5 16372
After Year 7
4 3188679 160597 16.57 2661022 17291 143306 286502 15.5 18484
5 3105105 143306 16.68 2390350 17176 126129 286502 15.0 19100
6 3021531 126129 16.79 2117874 17063 109067 286502 13.0 22039
7 7 2937957 109067 16.90 1843581 16950 92117 157940 286502 14.0 20464 4291103
8 2854383 92117 17.02 1567459 16837 75280 286502 13.0 22039
9 2770809 75280 17.13 1289497 16726 58554 286502 15.0 19100
10 2687235 58554 17.24 1009681 16615 41939 286502 16.0 17906 4449043
11 2603662 41939 17.36 728000 16505 25434 286502 18.0 15917
12 2520088 25434 17.47 444442 16396 9038 286502 19.5 14702
Total Units 220201
Entire fund is swiched from Maximizer to Debt to give double impact of ATP.
1 4449043 254606 17.59 4478703 21068 233538 370605 19.5 19018
2 4365469 233538 17.71 4135485 20929 212609 370605 20.0 18530
3 4281895 212609 17.83 3789979 20790 191819 370605 22.5 16471
After Year 8
4 4198321 191819 17.94 3442170 20652 171167 370605 24.0 15442
5 4114747 171167 18.06 3092041 20516 150651 370605 21.3 17440
6 4031173 150651 18.18 2739579 20380 130271 370605 18.0 20589
8 7 3947599 130271 18.31 2384767 20245 110026 204303 370605 17.3 21484 4631293
8 3864025 110026 18.43 2027589 20111 89916 370605 19.0 19506
9 3780451 89916 18.55 1668031 19978 69938 370605 22.6 16398
10 3696877 69938 18.67 1306075 19845 50093 370605 21.8 17039 4835596
11 3613303 50093 18.80 941706 19714 30379 370605 22.0 16846
12 3529729 30379 18.92 574908 19583 10796 370605 21.4 17289
Total Units 216053
Entire fund is swiched from Maximizer to Debt to give double impact of ATP.
1 4835596 255519 19.05 4867833 21144 234376 402805 21.4 18791
2 4752022 234376 19.18 4494795 21004 213372 402805 23.0 17513
3 4668448 213372 19.31 4119270 20865 192507 402805 25.0 16112
After Year 9
4 4584874 192507 19.43 3741241 20727 171781 402805 28.0 14386
5 4501300 171781 19.56 3360692 20589 151191 402805 23.0 17513
6 4417726 151191 19.69 2977606 20453 130738 402805 20.0 20140
9 7 4334152 130738 19.83 2591966 20317 110421 222054 402805 19.0 21200 5098632
8 4250578 110421 19.96 2203756 20183 90238 402805 23.0 17513
9 4167004 90238 20.09 1812957 20049 70189 402805 21.0 19181
10 4083430 70189 20.22 1419553 19916 50272 402805 21.5 18735 5320686
11 3999856 50272 20.36 1023526 19785 30488 402805 22.3 18063
12 3916282 30488 20.50 624859 19654 10834 402805 23.6 17083
Total Units 216232
Entire fund is swiched from Maximizer to Debt to give double impact of ATP.
1 5320686 259605 20.63 5356157 21482 238123 443213 23.6 18797
2 5237112 238123 20.77 4945697 21340 216784 443213 25.0 17729
3 5153538 216784 20.91 4532501 21198 195585 443213 28.0 15829
After Year 10
4 5069964 195585 21.05 4116549 21058 174527 443213 26.5 16725
5 4986390 174527 21.19 3697825 20918 153609 443213 22.6 19611
6 4902816 153609 21.33 3276309 20780 132829 443213 23.0 19270
10 7 4819242 132829 21.47 2851983 20642 112187 244329 443213 26.0 17047 5376524
8 4735669 112187 21.61 2424829 20506 91681 443213 28.0 15829
9 4652095 91681 21.76 1994826 20370 71311 443213 32.0 13850
10 4568521 71311 21.90 1561957 20235 51076 443213 26.0 17047 5620853
11 4484947 51076 22.05 1126203 20101 30975 443213 24.0 18467
12 4401373 30975 22.20 687543 19968 11008 443213 25.9 17088
Total Units 207288
 Entire fund is swiched from Maximizer to Debt to give double impact of ATP.
1 5620853 253233 22.34 5658326 20955 232278 468217 25.9 18052
2 5537279 232278 22.49 5224709 20816 211462 468217 28.0 16722
3 5453705 211462 22.64 4788202 20678 190784 468217 29.0 16145
After Year 11
4 5370131 190784 22.79 4348785 20541 170243 468217 32.0 14632
5 5286557 170243 22.95 3906438 20405 149838 468217 28.0 16722
6 5202984 149838 23.10 3461143 20270 129568 468217 25.0 18729
11 7 5119410 129568 23.25 3012878 20136 109433 258113 468217 22.0 21283 5815805
8 5035836 109433 23.41 2561626 20002 89431 468217 26.0 18008
9 4952262 89431 23.56 2107365 19870 69561 468217 30.0 15607
10 4868688 69561 23.72 1650075 19738 49823 468217 33.0 14188 6073919
11 4785114 49823 23.88 1189737 19607 30215 468217 27.0 17341
12 4701540 30215 24.04 726330 19478 10737 468217 28.5 16411
Total Units 203840
Entire fund is swiched from Maximizer to Debt to give double impact of ATP.
1 6073919 252673 24.20 6114411 20908 231764 505957 28.5 17733
2 5990345 231764 24.36 5645844 20770 210995 505957 30.0 16865
3 5906771 210995 24.52 5174152 20632 190362 505957 33.0 15332
After Year 12
4 5823197 190362 24.69 4699316 20496 169867 505957 36.0 14054
5 5739623 169867 24.85 4221314 20360 149507 505957 35.0 14456
6 5656049 149507 25.02 3740126 20225 129282 505957 32.0 15811
12 7 5572475 129282 25.18 3255730 20091 109191 278918 505957 30.0 16865 5864767
8 5488901 109191 25.35 2768104 19958 89233 505957 28.0 18070
9 5405327 89233 25.52 2277228 19826 69407 505957 35.0 14456
10 5321753 69407 25.69 1783079 19695 49712 505957 40.0 12649 6143686
11 5238179 49712 25.86 1285635 19564 30148 505957 35.0 14456
12 5154605 30148 26.03 784876 19435 10714 505957 31.4 16121
Total Units 186870
Entire fund is swiched from Maximizer to Debt to give double impact of ATP.
1 6143686 235988 26.21 6184644 19528 216460 511769 31.4 16307
2 6060112 216460 26.38 5710694 19398 197062 511769 32.0 15993
3 5976538 197062 26.56 5233584 19270 177792 511769 33.0 15508
After Year 13
4 5892964 177792 26.74 4753294 19142 158650 511769 33.5 15277
5 5809390 158650 26.91 4269802 19015 139635 511769 31.5 16247
6 5725816 139635 27.09 3783086 18890 120745 511769 36.0 14216
13 7 5642242 120745 27.27 3293126 18764 101981 282122 511769 32.0 15993 6412330
8 5558668 101981 27.46 2799900 18640 83341 511769 35.0 14622
9 5475094 83341 27.64 2303385 18517 64824 511769 31.0 16509
10 5391520 64824 27.82 1803560 18394 46430 511769 35.9 14255 6694452
11 5307946 46430 28.01 1300403 18272 28157 511769 32.0 15993
12 5224373 28157 28.19 793891 18151 10006 511769 34.5 14824
Total Units 185742
Entire fund is swiched from Maximizer to Debt to give double impact of ATP.
1 6694452 237437 28.38 6739081 19647 217789 557648 34.5 16153
2 6610878 217789 28.57 6222643 19517 198272 557648 36.0 15490
3 6527304 198272 28.76 5702762 19388 178884 557648 32.0 17426
After Year 14
4 6443730 178884 28.95 5179415 19260 159624 557648 31.0 17989
5 6360156 159624 29.15 4652579 19132 140492 557648 33.0 16898
6 6276582 140492 29.34 4122231 19005 121486 557648 35.0 15933
14 7 6193008 121486 29.54 3588347 18880 102607 307414 557648 38.0 14675 7253784
8 6109434 102607 29.73 3050903 18755 83852 557648 40.0 13941
9 6025860 83852 29.93 2509877 18630 65222 557648 36.0 15490
10 5942286 65222 30.13 1965244 18507 46715 557648 35.0 15933 7561198
11 5858712 46715 30.33 1416980 18384 28330 557648 34.0 16401
12 5775138 28330 30.53 865062 18263 10068 557648 38.0 14685
Total Units 191015
Entire fund is swiched from Maximizer to Debt to give double impact of ATP.
1 7561198 247625 30.74 7611606 20491 227135 629848 38.0 16586
2 7477624 227135 30.94 7028303 20355 206780 629848 40.0 15746
3 7394050 206780 31.15 6441112 20220 186560 629848 45.0 13997
After Year 15
4 7310476 186560 31.36 5850006 20086 166474 629848 40.0 15746
5 7226902 166474 31.57 5254959 19953 146520 629848 37.0 17023
6 7143328 146520 31.78 4655945 19821 126699 629848 38.0 16575
15 7 7059754 126699 31.99 4052938 19690 107010 347215 629848 38.5 16360 8003230
8 6976180 107010 32.20 3445911 19559 87450 629848 41.0 15362
9 6892606 87450 32.42 2834837 19430 68020 629848 39.5 15946
10 6809032 68020 32.63 2219689 19301 48719 629848 37.0 17023 8350445
11 6725458 48719 32.85 1600440 19173 29546 629848 39.0 16150
12 6641884 29546 33.07 977063 19046 10500 629848 41.8 15078
Total Units 191591
Entire fund is swiched from Maximizer to Debt to give double impact of ATP.
1 8350445 252514 33.29 8406115 20895 231619 695592 41.8 16652
2 8266872 231619 33.51 7761927 20757 210862 695592 38.0 18305
3 8183298 210862 33.74 7113443 20619 190243 695592 42.0 16562
After Year 16
4 8099724 190243 33.96 6460637 20483 169760 695592 43.5 15991
5 8016150 169760 34.19 5803478 20347 149413 695592 46.3 15024
6 7932576 149413 34.41 5141939 20212 129201 695592 43.0 16177
16 7 7849002 129201 34.64 4475989 20078 109122 383458 695592 50.0 13912 8836233
8 7765428 109122 34.87 3805600 19946 89177 695592 47.0 14800
9 7681854 89177 35.11 3130741 19813 69363 695592 43.0 16177
10 7598280 69363 35.34 2451383 19682 49681 695592 40.0 17390 9219691
11 7514706 49681 35.58 1767496 19552 30129 695592 43.0 16177
12 7431132 30129 35.81 1079050 19422 10707 695592 45.9 15138
Total Units 192302
 Entire fund is swiched from Maximizer to Debt to give double impact of ATP.
1 9219691 257433 36.05 9281156 21302 236131 768000 45.9 16714
2 9136117 236131 36.29 8569910 21161 214970 768000 49.0 15673
3 9052543 214970 36.54 7853922 21021 193949 768000 54.0 14222
After Year 17
4 8968969 193949 36.78 7133161 20882 173067 768000 49.5 15515
5 8885395 173067 37.02 6407596 20743 152324 768000 46.0 16696
6 8801821 152324 37.27 5677193 20606 131718 768000 43.0 17860
17 7 8718247 131718 37.52 4941920 20470 111248 423374 768000 45.0 17067 9988609
8 8634674 111248 37.77 4201746 20334 90914 768000 42.0 18286
9 8551100 90914 38.02 3456638 20199 70715 768000 43.4 17696
10 8467526 70715 38.27 2706562 20066 50649 768000 46.0 16696 10411983
11 8383952 50649 38.53 1951485 19933 30716 768000 48.0 16000
12 8300378 30716 38.79 1191375 19801 10916 768000 50.5 15194
Total Units 197619
Entire fund is swiched from Maximizer to Debt to give double impact of ATP.
1 10411983 268444 39.05 10481397 22213 246230 867318 50.5 17159
2 10328409 246230 39.31 9678172 22066 224164 867318 52.0 16679
3 10244835 224164 39.57 8869593 21920 202244 867318 58.0 14954
After Year 18
4 10161262 202244 39.83 8055623 21775 180469 867318 55.0 15769
5 10077688 180469 40.10 7236227 21631 158839 867318 50.5 17175
6 9994114 158839 40.36 6411368 21487 137351 867318 48.0 18069
18 7 9910540 137351 40.63 5581010 21345 116006 478125 867318 50.0 17346 11183806
8 9826966 116006 40.90 4745117 21204 94802 867318 49.3 17593
9 9743392 94802 41.18 3903651 21063 73739 867318 47.0 18454
10 9659818 73739 41.45 3056575 20924 52815 867318 52.3 16584 11661931
11 9576244 52815 41.73 2203851 20785 32030 867318 55.0 15769
12 9492670 32030 42.01 1345443 20648 11382 867318 55.6 15599
Total Units 201151
Entire fund is swiched from Maximizer to Debt to give double impact of ATP.
1 11661931 277627 42.29 11739678 22973 254654 971439 55.6 17472
2 11578358 254654 42.57 10840027 22821 231833 971439 53.0 18329
3 11494784 231833 42.85 9934379 22670 209163 971439 57.5 16895
After Year 19
4 11411210 209163 43.14 9022693 22520 186643 971439 54.0 17990
5 11327636 186643 43.42 8104929 22371 164273 971439 51.0 19048
6 11244062 164273 43.71 7181047 22222 142050 971439 54.5 17825
19 7 11160488 142050 44.01 6251005 22075 119975 535524 971439 52.0 18682 12811183
8 11076914 119975 44.30 5314763 21929 98046 971439 56.0 17347
9 10993340 98046 44.59 4372280 21784 76262 971439 60.0 16191
10 10909766 76262 44.89 3423513 21640 54622 971439 56.0 17347 13346707
11 10826192 54622 45.19 2468422 21496 33126 971439 59.0 16465
12 10742618 33126 45.49 1506963 21354 11772 971439 61.2 15884
Total Units 209473
Entire fund is swiched from Maximizer to Debt to give double impact of ATP.
1 13346707 293385 45.80 13435685 24277 269107 1111781 61.2 18179
2 13263133 269107 46.10 12406064 24116 244991 1111781 59.4 18717
3 13179559 244991 46.41 11369578 23957 221035 1111781 57.0 19505
After Year 20
4 13095985 221035 46.72 10326183 23798 197237 1111781 55.0 20214
5 13012411 197237 47.03 9275832 23640 173596 1111781 60.2 18468
6 12928837 173596 47.34 8218478 23484 150112 1111781 65.3 17026
20 7 12845263 150112 47.66 7154075 23328 126784 612890 1111781 67.5 16471 13931987
8 12761689 126784 47.98 6082576 23174 103610 1111781 70.2 15837
9 12678116 103610 48.30 5003934 23020 80590 1111781 75.0 14824
10 12594542 80590 48.62 3918101 22868 57722 1111781 72.0 15441 14544877
11 12510968 57722 48.94 2825029 22716 35006 1111781 70.0 15883
12 12427394 35006 49.27 1724670 22566 12440 1111781 67.3 16526
Total Units 207090
 r Name : Mr
pe
Prem After all Chrg 462070 Year Year 1 Year 2 Year 3 Year 4 Year 5
Su

ATP in % 8.33% ATP- Absolute Amt 38490 39191 39830 39696 41908
e
Lif

Select ATP Date

te

1/Jan/2006 ATP-Calculator with HISTORICAL data

Eli

1 1 2006 50
Protector Fund- Safety of returns SIP - Advantage of Equity
Income Maximiser
Money Units Protector Total Growth :
Invest in fund Protector Remaining Maximise Units
year

Monthly ATP mkt redemp ATP AMT Fund Growth

Prot Fund Units fund Units Growth-A r fund allocation A+B
alloc
Growth for ATP -B

1-Jan-06 462070 32658 14.15 462070 2720 29937 38490 33.83 1138
1-Feb-06 423579 29937 14.15 423547 2721 27217 38490 35.32 1090
After Yea
1-Mar-06 385089 27217 14.14 384713 2723 24494 38490 37.53 1026
1-Apr-06 346599 24494 14.18 347330 2714 21779 38490 41.74 922
1-May-06 308108 21779 14.28 311022 2695 19084 38490 43.73 880
Value
1-Jun-06 269618 19084 14.34 273573 2685 16399 38490 35.84 1074
1 1-Jul-06 231127 16399 14.37 235586 2679 13720 8412 38490 37.31 1032 550913
1-Aug-06 192637 13720 14.43 197982 2667 11052 38490 37.12 1037
1-Sep-06 154147 11052 14.54 160688 2647 8405 38490 40.72 945
1-Oct-06 115656 8405 14.64 123066 2629 5776 38490 42.70 901 559324
1-Nov-06 77166 5776 14.72 85043 2614 3162 38490 44.62 863
1-Dec-06 38675 3162 14.83 46902 2595 567 38490 46.98 819
Total Units 11727

1-Jan-07 470482 31718 14.86 471424 2637 29081 39191 46.74 838
1-Feb-07 431290 29081 14.88 432788 2633 26447 39191 47.76 821
After Yea
1-Mar-07 392099 26447 14.88 393562 2634 23814 39191 43.83 894
1-Apr-07 352908 23814 14.96 356205 2620 21194 39191 42.37 925
1-May-07 313717 21194 15.06 319199 2602 18591 39191 46.69 839
Value
1-Jun-07 274526 18591 15.18 282244 2582 16010 39191 48.92 801
2 1-Jul-07 235335 16010 15.34 245560 2555 13455 16078 39191 50.25 780 621581
1-Aug-07 196144 13455 15.54 209041 2523 10932 39191 51.30 764
1-Sep-07 156953 10932 15.58 170311 2516 8417 39191 53.38 734
1-Oct-07 117762 8417 15.71 132225 2495 5922 39191 58.46 670 1426151
1-Nov-07 78570 5922 15.89 94074 2467 3455 39191 65.96 594
1-Dec-07 39379 3455 16.00 55269 2450 1005 39191 67.24 583
Total Units 9244

1-Jan-08 478148 29889 16.20 484185 2459 27430 39830 68.76 579
1-Feb-08 438318 27430 16.37 448917 2434 24996 39830 61.69 646
After Yea
1-Mar-08 398488 24996 16.36 409058 2434 22563 39830 57.56 692
1-Apr-08 358659 22563 16.32 368120 2441 20121 39830 53.77 741
1-May-08 318829 20121 16.41 330127 2428 17694 39830 59.69 667
Value
1-Jun-08 278999 17694 16.45 291129 2421 15273 39830 55.31 720
3 1-Jul-08 239170 15273 16.33 249384 2439 12834 14470 39830 45.16 882 320966
1-Aug-08 199340 12834 16.37 210124 2433 10401 39830 50.11 795
1-Sep-08 159510 10401 16.48 171403 2417 7984 39830 51.13 779
1-Oct-08 119680 7984 16.57 132311 2403 5581 39830 47.99 830 1043618
1-Nov-08 79851 5581 16.67 93011 2390 3191 39830 40.06 994
1-Dec-08 40021 3191 17.02 54300 2341 850 39830 33.77 1179
Total Units 9504

1-Jan-09 476540 28004 18.29 512169 2170 25833 39696 37.39 1062
1-Feb-09 437349 25833 17.83 460548 2227 23607 39696 33.41 1188
After Yea
1-Mar-09 398157 23607 17.89 422378 2219 21388 39696 32.46 1223
1-Apr-09 358966 21388 17.95 383916 2211 19177 39696 36.40 1091
1-May-09 319775 19177 18.44 353705 2152 17024 39696 43.11 921
Value
1-Jun-09 280584 17024 18.38 312829 2160 14864 39696 51.75 767
4 1-Jul-09 241393 14864 18.61 276582 2133 12731 41024 39696 52.30 759 646471
1-Aug-09 202202 12731 18.63 237143 2131 10600 39696 56.32 705
1-Sep-09 163011 10600 18.58 196935 2137 8463 39696 55.62 714
1-Oct-09 123820 8463 18.73 158542 2119 6344 39696 60.29 658 2573300
1-Nov-09 84629 6344 18.85 119617 2105 4239 39696 55.24 719
1-Dec-09 45437 4239 19.04 80720 2085 2154 39696 61.88 641
Total Units 10447
 1-Jan-10 503094 26419 19.08 504111 2196 24223 41908 63.07 664
1-Feb-10 463903 24223 19.19 464919 2183 22039 41908 60.56 692
After Yea
1-Mar-10 424712 22039 19.16 422308 2187 19852 41908 61.43 682
1-Apr-10 385520 19852 19.38 384690 2163 17689 41908 64.04 654
1-May-10 346329 17689 19.60 346798 2138 15552 41908 64.40 651
Value
1-Jun-10 307138 15552 19.63 305324 2135 13417 41908 62.05 675
5 1-Jul-10 267947 13417 19.72 264550 2125 11292 13858 41908 65.64 638 550391
1-Aug-10 228756 11292 19.64 221740 2134 9158 41908 68.47 612
1-Sep-10 189565 9158 19.72 180555 2126 7032 41908 68.99 607
1-Oct-10 150374 7032 19.81 139272 2116 4916 41908 75.86 552 3541762
1-Nov-10 111183 4916 19.84 97526 2113 2804 41908 74.98 559
1-Dec-10 71991 2804 19.89 55766 2107 697 41908 72.76 576
Total Units 7564

1-Jan-11 0 0 19.98 0 0 0 0 74.78 0

1-Feb-11 0 0 20.02 0 0 0 0 65.97 0
After Yea
1-Mar-11 0 0 20.13 0 0 0 0 67.59 0
1-Apr-11 0 0 20.27 0 0 0 0 70.99 0
1-May-11 0 0 20.39 0 0 0 0 70.01 0
Value
1-Jun-11 0 0 20.48 0 0 0 0 68.98 0
6 1-Jul-11 0 0 20.64 0 0 0 14792 0 69.27 0 2968365
1-Aug-11 0 0 20.80 0 0 0 0 68.60 0
1-Sep-11 0 0 20.96 0 0 0 0 63.72 0
1-Oct-11 0 0 21.00 0 0 0 0 61.07 0 2969299
1-Nov-11 0 0 21.01 0 0 0 0 65.19 0
1-Dec-11 0 0 21.23 0 0 0 0 61.22 0
Total Units 0

1-Jan-12 0 0 21.54 0 0 0 0 56.44 0

1-Feb-12 0 0 21.75 0 0 0 0 64.91 0
After Yea
1-Mar-12 0 0 21.85 0 0 0 0 66.61 0
1-Apr-12 0 0 21.94 0 0 0 0 66.40 0
1-May-12 0 0 22.11 0 0 0 0 65.50 0
Value
1-Jun-12 0 0 22.32 0 0 0 0 60.20 0
7 1-Jul-12 0 0 22.50 0 0 0 16362 0 65.00 0 3509963
1-Aug-12 0 0 22.70 0 0 0 0 64.44 0
1-Sep-12 0 0 22.89 0 0 0 0 64.12 0
1-Oct-12 0 0 23.19 0 0 0 0 69.13 0 3511533
1-Nov-12 0 0 23.32 0 0 0 0 69.05 0
1-Dec-12 0 0 23.48 0 0 0 0 72.39 0
Total Units 0

1-Jan-13 0 0 23.77 0 0 0 0 73.20 0

1-Feb-13 0 0 23.97 0 0 0 0 73.38 0
After Yea
1-Mar-13 0 0 24.09 0 0 0 0 70.60 0
1-Apr-13 0 0 24.24 0 0 0 0 69.58 0
1-May-13 0 0 24.78 0 0 0 0 73.59 0
Value
1-Jun-13 0 0 25.37 0 0 0 0 73.12 0
8 1-Jul-13 0 0 25.15 0 0 0 17418 0 72.38 0 3394079
1-Aug-13 0 0 24.52 0 0 0 0 71.37 0
1-Sep-13 0 0 24.39 0 0 0 0 69.01 0
1-Oct-13 0 0 24.44 0 0 0 0 72.98 0 3395135
1-Nov-13 0 0 24.82 0 0 0 0 80.24 0
1-Dec-13 0 0 25.00 0 0 0 0 70.00 0
Total Units 0

1-Jan-14 0 0 24.93 0 0 0 0 81.03 0

1-Feb-14 0 0 25.15 0 0 0 0 77.17 0
After Yea
1-Mar-14 0 0 25.19 0 0 0 0 80.07 0
1-Apr-14 0 0 25.52 0 0 0 0 86.24 0
1-May-14 0 0 25.77 0 0 0 0 85.69 0
Value
1-Jun-14 0 0 26.18 0 0 0 0 94.68 0
9 1-Jul-14 0 0 26.35 0 0 0 19543 0 98.85 0 5491136
1-Aug-14 0 0 26.50 0 0 0 0 99.55 0
1-Sep-14 0 0 26.62 0 0 0 0 105.96 0
1-Oct-14 0 0 26.93 0 0 0 0 106.35 0 5493261
1-Nov-14 0 0 27.59 0 0 0 0 111.00 0
1-Dec-14 0 0 28.05 0 0 0 0 113.25 0
Total Units 0
 1-Jan-15 0 0 28.40 0 0 0 0 108.89 0
1-Feb-15 0 0 29.00 0 0 0 0 114.00 0
After Yea
1-Mar-15 0 0 29.12 0 0 0 0 120.89 0
1-Apr-15 0 0 29.16 0 0 0 0 117.80 0
1-May-15 0 0 29.17 0 0 0 0 114.34 0
Value
1-Jun-15 0 0 29.31 0 0 0 0 115.89 0
10 1-Jul-15 0 0 29.18 0 0 0 0 0 116.17 0 0
1-Aug-15 0 0 29.51 0 0 0 0 115.90 0
1-Sep-15 0 0 29.79 0 0 0 0 105.05 0
1-Oct-15 0 0 30.39 0 0 0 0 108.99 0 -19543
1-Nov-15 0 0 0.00 0 0 0 0 0.00 0
NULL 0 0 0.00 0 0 0 0 0.00 0
Total Units 0

NULL 0 #DIV/0! 0.00 #DIV/0! 0 #DIV/0! 0 0.00 0

NULL 0 #DIV/0! 0.00 #DIV/0! 0 #DIV/0! 0 0.00 0
After Yea
NULL 0 #DIV/0! 0.00 #DIV/0! 0 #DIV/0! 0 0.00 0
NULL 0 #DIV/0! 0.00 #DIV/0! 0 #DIV/0! 0 0.00 0
NULL 0 #DIV/0! 0.00 #DIV/0! 0 #DIV/0! 0 0.00 0
Value
NULL 0 #DIV/0! 0.00 #DIV/0! 0 #DIV/0! 0 0.00 0
11 NULL 0 #DIV/0! 0.00 #DIV/0! 0 #DIV/0! 0 0 0.00 0 0
NULL 0 #DIV/0! 0.00 #DIV/0! 0 #DIV/0! 0 0.00 0
NULL 0 #DIV/0! 0.00 #DIV/0! 0 #DIV/0! 0 0.00 0
NULL 0 #DIV/0! 0.00 #DIV/0! 0 #DIV/0! 0 0.00 0 0
NULL 0 #DIV/0! 0.00 #DIV/0! 0 #DIV/0! 0 0.00 0
NULL 0 #DIV/0! 0.00 #DIV/0! 0 #DIV/0! 0 0.00 0
Total Units 0

NULL 0 #DIV/0! 0.00 #DIV/0! 0 #DIV/0! 0 0.00 0

NULL 0 #DIV/0! 0.00 #DIV/0! 0 #DIV/0! 0 0.00 0
After Yea
NULL 0 #DIV/0! 0.00 #DIV/0! 0 #DIV/0! 0 0.00 0
NULL 0 #DIV/0! 0.00 #DIV/0! 0 #DIV/0! 0 0.00 0
NULL 0 #DIV/0! 0.00 #DIV/0! 0 #DIV/0! 0 0.00 0
Value
NULL 0 #DIV/0! 0.00 #DIV/0! 0 #DIV/0! 0 0.00 0
12 NULL 0 #DIV/0! 0.00 #DIV/0! 0 #DIV/0! 0 0 0.00 0 0
NULL 0 #DIV/0! 0.00 #DIV/0! 0 #DIV/0! 0 0.00 0
NULL 0 #DIV/0! 0.00 #DIV/0! 0 #DIV/0! 0 0.00 0
NULL 0 #DIV/0! 0.00 #DIV/0! 0 #DIV/0! 0 0.00 0 0
NULL 0 #DIV/0! 0.00 #DIV/0! 0 #DIV/0! 0 0.00 0
NULL 0 #DIV/0! 0.00 #DIV/0! 0 #DIV/0! 0 0.00 0
Total Units 0

*NAV of nearest date is taken of 1st or 15th incase of holiday on that particular date.
SCENARIO 1 SCENARIO 2 15%
Year 10 CR 9 CR EW 10 Lacs @ 15% Withdrawal Balance
1 243206 218885 1057524
2 243206 218885 2259537
3 243206 218885 3626930
4 243206 218885 5184081
5 243206 218885 6960584
6 243206 218885 7922324
7 243206 218885 9023874
8 243206 218885 10286908
9 243206 218885 11734469
10 243206 218885 13519054
11 243206 15452160 218885 15233274
12 243206 17518265 218885 17069968
13 243206 19630464 218885 19154708
14 243206 22027914 218885 21520942
15 243206 24749084 218885 24553227
16 243206 28236211 218885 27648584
17 243206 31795872 218885 31161718
18 243206 35835975 218885 35148935
19 243206 40421275 218885 39674121
20 243206 45625239 218885 45448254
21 243206 52265493 218885 51363462
22 243206 59067982 218885 58076457
23 243206 66787925 218885 65694688
24 243206 75548891 218885 74340061
25 243206 85491070 218885 85327687

Total Outflow 60.8 Lacs Total Outflow

Value after 25 yrs
115%
 SCENARIO 1 - EMPLOYER EMPLOYEE - Assuming a 10% Return - 27 year old Employee
Premium Paid
From Tax Saved as Net Premium Maturity Dividend
Organization Premium treated as From Received in Tax Paid From Individual Distribution Saved Combined
YEAR Account Expenditure Organization Individual Pocket Pocket on Maturity IRR
1 500,000 170,000 330,000 - - - -330,000
2 500,000 170,000 330,000 - - - -330,000
3 500,000 170,000 330,000 - - - -330,000
4 500,000 170,000 330,000 - - - -330,000
5 500,000 170,000 330,000 - - - -330,000
6 - - - 3,312,902 1,126,387 695,710 2,882,225
Post Tax IRR 19.2%
Pre Tax IRR 27.4%

SCENARIO 1: SUMMARY
Tax Saved as 1 Maturity 2
Premium treated TAX SAVED: Received in Tax Paid From NET TOTAL BENEFIT:
YEAR as Expenditure REINVESTED @ 10% Individual Pocket Individual Pocket AMOUNT RECEIVED 1+2
1 170000 187000
2 170000 392700
3 170000 618970
4 170000 867867
5 170000 1141654 3312902 1126387 2186516 3328169

SCENARIO 2: DIVIDEND ROUTE

AMOUNT
1 Dividend RECEIVED BY AMOUNT RECEIVED
YEAR AMOUNT TAX PAID Distribution Paid EMPLOYEE REINVESTED @ 10%
1 500000 170000 69300 260700 286770
2 500000 170000 69300 260700 602217
3 500000 170000 69300 260700 949209
4 500000 170000 69300 260700 1330900
5 500000 170000 69300 260700 1750760

NET BENEFIT: SCENARIO 1 OVER SCENARIO 2 1577410