SBI Life ULIP News Letter July12

MonthlyInvestmentUpdate:
Volume5,Issue4
July,2012
ULIP
UNITLINKEDPRODUCTSFROMSBILIFEINSURANCECO.LTD.
2008
SBI Life has a variety of unit linked products with different funds which gives you flexibility to choose your
investmentpatterntogeneratemarketlinkedreturnsaccordingtoyourriskappetite.
SBILifeULIPFUNDS*
Products
UnitPlus
Super
SBILife
Smart
Performer
SBILife
Saral
Maha
Anand
Equity
Bond
MoneyMarket
Growth
Balanced
Equity
Optimiser
Index
Top300
P/EManaged
DailyProtect
FundNames SBILife
SBILife SBILife SBILife

Smart
Smart
Smart
Scholar
Elite
Horizon
SBILifeSmart
WealthAssure
EquityElite
9
FundII
9
Return
GuaranteeFund
(RGF)
*PleasenotethatSBILifeSmartPensioniswithdrawnw.e.f.1January2012. Howeverthefundunderthe
productisstillinforce.
July,2012
Funds
Inception
Date
Equity
10Jan05
Equity
Pension#
15Jan07
Growth#
24Nov05
Growth
Pension#
15Feb07
Equity
Optimiser*
Equity
Optimiser
Pension#*
AUMas
on31st
July
2012(`
inCr)
3,213.55
1,385.26
1,074.95
811.71
21Jan08
3,254.05
21Jan08
862.91
EquityElite#
25Feb08
EquityElite
FundII*
10Feb10
50.61
65.49
Balanced#
5Dec05
231.24
Balanced
Pension#
21Feb07
247.95
Bond
10Jan05
BondPension
16Jan07
Money
Market#
Money
Market
Pension#
FlexiProtect
FlexiProtect
(SeriesII)
Guaranteed
PensionFund
(GPF070211)
Daily
Protect
Daily
ProtectII
1Feb06
20Mar08
8Mar09
8Jan10
9Feb11
6Sep10
4Mar11
RGF070311
9Mar11
RGF150611
21Jun11
P/E
Managed
Discontinued
Policy
8Sep10
11Apr11
Index
7Jan10
IndexPension
18Jan10
Top300*
7Jan10
Top300
Pension*
18Jan10
1,033.63
721.31
55.38
11.05
Fund
BM
Returnsin%
(Lessthanorequalto1yr:AbsoluteReturns,greaterthan1yr:CAGR)**
Since
2yrs
3yrs
4yrs
5yrs
Inception
Fund
BM
Fund
BM
Fund
BM
Fund
BM
Fund
BM
3.62
4.62
0.03
1.30
6.80
4.09
7.27
4.81
3.82
2.91
19.01
13.69
2.93
4.62
0.98
1.30
3.83
4.09
5.31
3.38
2.65
1.34
5.16
3.25
1.06
0.34
0.21
1.51
4.06
5.11
3.59
2.60
1.11
1.18
11.48
9.39
1.66
0.34
0.03
1.51
5.17
5.11
6.18
1.21
3.93
0.37
8.18
1.59
3.34
1.76
1.89
0.79
4.14
4.86
6.52
3.37
NA
NA
3.23
1.13
3.44
1.76
1.41
0.79
4.38
4.86
6.71
3.37
NA
NA
3.39
1.13
2.03
1.76
0.10
0.79
5.40
4.86
9.04
3.37
NA
NA
8.00
1.12
0.89
1.76
1.12
0.79
NA
NA
NA
NA
NA
NA
3.29
4.86
Nifty
(50)
CompBe
x(50)
2.86
2.40
3.02
3.25
5.40
5.62
7.42
5.50
6.57
4.25
10.62
8.98
2.89
2.40
3.19
3.25
5.63
5.62
8.43
5.50
8.21
4.25
11.52
5.48
CRISIL
CompBe
x
9.42
8.78
7.88
7.04
7.54
6.23
10.15
7.54
9.28
6.51
8.75
5.97
9.61
8.78
7.92
7.04
7.82
6.23
9.24
7.54
8.70
6.51
9.02
6.59
8.79
8.76
7.45
8.05
6.60
6.53
7.11
6.86
6.99
6.87
6.71
6.88
8.73
8.76
8.03
8.05
6.71
6.53
7.15
6.86
NA
NA
7.09
6.95
0.78
NA
0.16
NA
5.50
NA
NA
NA
NA
NA
16.29
NA
3.72
NA
0.27
NA
NA
NA
NA
NA
NA
NA
4.36
NA
7.44
NA
NA
NA
NA
NA
NA
NA
NA
NA
6.83
NA
3.18
NA
NA
NA
NA
NA
NA
NA
NA
NA
4.29
NA
4.49
NA
NA
NA
NA
NA
NA
NA
NA
NA
2.88
NA
8.81
NA
NA
NA
NA
NA
NA
NA
NA
NA
6.43
NA
8.86
NA
NA
NA
NA
NA
NA
NA
NA
NA
7.64
NA
3.27
NA
NA
NA
NA
NA
NA
NA
NA
NA
2.97
NA
8.09
NA
NA
NA
NA
NA
NA
NA
NA
NA
7.81
NA
4.45
4.62
0.92
1.30
NA
NA
NA
NA
NA
NA
0.68
0.25
4.27
4.62
0.85
1.30
NA
NA
NA
NA
NA
NA
2.26
0.34
0.58
1.76
1.16
0.79
NA
NA
NA
NA
NA
NA
6.43
1.47
0.60
1.76
0.27
0.79
NA
NA
NA
NA
NA
NA
4.93
1.40
Bench
marks
(BM)
NIFTY
Nifty
(70)
CompBe
x(30)
Nifty
(80)
LiquiFEX
(20)
LiquiFEX
4,440.75
2,670.77
10.58
1,498.44
719.28
184.41
NA
84.72
255.31
175.34
778.00
98.58
Nifty
494.00
468.12
Nifty
(80)
Liquifex
(20)
1yr
July,2012
# W.e.f. 1st April, 2009 the Benchmark for the funds has been revised for better representation of the
investmentphilosophyofthefund.Thebenchmarkreturnsmentionedaboveaccordinglyrepresentaggregate
performanceofoldbenchmarkuptoMarch09andrevisedbenchmarkthereafter.
*W.e.f.1June2010,theBenchmarkforthefundshasbeendefined.
**Pastperformanceofanyofthefundsaboveisnotindicativeoftheirfutureprospectsorreturns
July,2012
INVESTMENTSTYLE&FUNDPERFORMANCE*Ason31stJuly2012
EquityFund
SFINULIF001100105EQUITYFND111
INVESTMENTSTYLE
To provide high equity exposure targetinghigher returns in the long term. The fundhas thefollowing asset
classallocationstrategy:
AssetsofEquityFund
Minimum
Maximum
Equity
80%
100%
Debt&MoneyMarketInstruments
0%
20%
Risk
High
ActualAssetMix
99.60%
0.40%
FUNDPERFORMANCE*
Returns
From
1April12
1yr
2yrs
3yrs
4yrs
5yrs
SinceInception
(10Jan05)
EquityFund
0.39%
3.62%
0.03%
6.80%
7.27%
3.82%
19.01%
BenchmarkNIFTY
1.26%
4.62%
1.30%
4.09%
4.81%
2.91%
13.69%
*i)Returnslessthanorequaltooneyearareabsolutereturns.ReturnsgreaterthanayearareintermsofCompound
AnnualGrowthRate(CAGR)isexpressedasapercentageroundedtothenearest0.1%.
ii)Pastperformanceofanyofthefundsisnotindicativeoftheirfutureprospectsorreturns
July,2012
BondFund
SFIN ULIF002100105BONDULPFND111
INVESTMENTSTYLE
To provide relatively safe and less volatile investment option mainly through debt instruments and
accumulationofincomethroughinvestmentinfixedincomesecurities.Thefundhasthefollowingassetclass
allocationstrategy:
AssetsofBondFund
Minimum
Maximum
Risk
ActualAssetMix
DebtInstruments
60%
100%
Lowto
88.90%
MoneyMarketInstruments
0%
40%
Medium
11.10%
FUNDPERFORMANCE*
Returns
From
1April12
1yr
2yrs
3yrs
4yrs
5yrs
SinceInception
(10Jan05)
BondFund
3.54%
9.42%
7.88%
7.54%
10.15%
9.28%
8.75%
BenchmarkCRISILCompBex
3.03%
8.78%
7.04%
6.23%
7.54%
6.51%
5.97%
ModifiedDuration:3.45yearsforDebt&MoneyMarketInstruments
July,2012
GrowthFund
SFIN ULIF003241105GROWTHFND111
INVESTMENTSTYLE
Longtermcapitalappreciationthroughinvestmentprimarilyinequityandequityrelatedinstrumentswitha
small part invested in debt and money market for diversification and risk reduction.
Thefundhasthefollowingassetclassallocationstrategy:
AssetsofGrowthFund
Minimum
Maximum
Risk
ActualAssetMix
Equity
40%
90%
Medium
70.11%
10%
60%
toHigh
29.89%
FUNDPERFORMANCE*
Returns
GrowthFund
From
1April12
1yr
2yrs
3yrs
4yrs
Since
5yrs
Inception
(24Nov05)
0.02%
1.06%
0.21%
4.06%
3.59%
1.11%
11.48%
0.10%
0.34%
1.51%
5.11%
2.60%
1.18%
9.39%
BenchmarkNifty
(70%)CompBex(30%)
July,2012
BalancedFund
SFIN ULIF004051205BALANCDFND111
INVESTMENTSTYLE
Toprovideaccumulationofincomethroughinvestmentinbothequitiesandfixedincomesecuritieswithan
attempt to maintain a suitable balance between return and safety. The fund has the following asset class
allocationstrategy:
AssetsofBalancedFund
Minimum
Maximum
Equity
40%
60%
40%
60%
Risk
ActualAssetMix
43.67%
Medium
56.33%
FUNDPERFORMANCE*
Returns
BalancedFund
From
SinceInception
1yr
2yrs
3yrs
4yrs
5yrs
2.03%
2.86%
3.02%
5.40%
7.42%
6.57%
10.62%
0.97%
2.40%
3.25%
5.62%
5.50%
4.25%
8.98%
1April12
(5Dec05)
Benchmark Nifty (50%)

CompBex(50%)
July,2012
EquityOptimiserFund
SFIN ULIF010210108EQTYOPTFND111
INVESTMENTSTYLE
To provide equity exposure targeting higher returns through long term capital gains.
AssetsofEquityOptimiserFund
Minimum
Maximum
Equity
60%
100%
0%
40%
Risk
High
ActualAssetMix
80.76%
19.24%
FUNDPERFORMANCE*
Returns
From
1April12
1yr
2yrs
3yrs
4yrs
SinceInception
(21Jan08)
EquityOptimiserFund
0.86%
3.34%
1.89%
4.14%
6.52%
3.23%
BenchmarkNifty(80%)LiquiFEX(20%)
0.39%
1.76%
0.79%
4.86%
3.37%
1.13%
July, 2012
IndexFund
SFIN ULIF015070110INDEXULFND111
INVESTMENTSTYLE
To provide returns closely corresponding to returns of NSE, S&P CNX Nifty Index, though investment
regulations may restrict investment in group companies and some large cap companies listed on the Nifty
Indexleadingtohighertrackingerror.Thefundhasthefollowingassetclassallocationstrategy:
AssetsofIndex Fund
Minimum
Maximum
Equity
90%
100%
MoneyMarketInstruments&Cash
0%
10%
1yr
2yr
Risk
ActualAssetMix
99.73%
High
0.27%
FUNDPERFORMANCE*
Returns
From
1April12
SinceInception
(7Jan2010)
IndexFund
0.61%
4.45%
0.92%
0.68%
BenchmarkNifty
1.26%
4.62%
1.30%
0.25%
July,2012
Top300Fund
SFIN ULIF016070110TOP300FND111
INVESTMENTSTYLE
To provide long term capital appreciation by investing in stocks of top 300 companies in terms of market
capitalizationontheNationalStockExchange.Thefundhasthefollowingassetclassallocationstrategy:
AssetsofTop300Fund
Minimum
Maximum
Equity
60%
100%
0%
40%
Risk
High
ActualAssetMix
69.44%
30.56%
FUNDPERFORMANCE*
Returns
From
1April12
1yr
2yr
SinceInception
(7Jan2010)
Top300Fund
1.15%
0.58%
1.16%
6.43%
0.39%
1.76%
0.79%
1.47%
10
July,2012
P/EManagedFund
SFIN ULIF021080910P/EMNGDFND111
INVESTMENTSTYLE
To provide long term capital appreciation through dynamic asset allocation with reference to forward Price
Earning (P/E) multiple. The allocation to equity and equity related instruments is determined largely by
reference to forward Price Earning (P/E) multiple on the NSE, S&P CNX Nifty Index and remaining fund is
investedindebtinstruments,moneymarket&cash.Thefundhasthefollowingassetclassallocationstrategy:
AssetAllocation
ForwardP/EBands Equity&EquityRelated
Debt,MoneyMarket
Instruments
Instruments&Cash
<12
90%to100%
0%to10%
12and<15
80%to100%
0%to20%
15and<18
60%to90%
10%to40%
18and<21
40%to80%
20%to60%
21
0%to50%
50%to100%
Risk
High
ActualAssetMix
Equity:91.34%
Debt,MoneyMarketInstruments&Cash:8.66%
FUNDPERFORMANCE*
Returns
P/EManagedFund
BenchmarkNA
From
1April12
1yr
SinceInception
(8Sep2010)
0.52%
3.27%
2.97%
NA
NA
NA
11
July,2012
DailyProtectFund
SFIN ULIF020060910DLYPRO1FND111
INVESTMENTSTYLE
ToprovideNAVprotectionusingtheCPPImethodology.Theassetallocationisdynamicallyrebalancedtogive
a guarantee^ of 105% of the highest NAV in the builtup phase. The fund has the following asset class
allocationstrategy:
AssetsofDailyProtectFund
Min
Max
Risk
ActualAssetMix
Equity&EquityRelatedInstruments
0%
100%
Lowto
54.90%
0%
100%
Medium
45.10%
^TheGuaranteedNAVshallbeavailableonlyatmaturityandshallbesubjecttothePolicybeinginforcetillthematurity
date.Guaranteechargeof0.50%p.a.ofDailyProtectFundvalue,wouldberecoveredfromthefund(throughcancellation
ofunits)toprovidetheNAVguarantee.
FUNDPERFORMANCE*
Returns
DailyProtectFund
BenchmarkNA
SinceInception
From1April12
1yr
0.01%
3.18%
4.29%
NA
NA
NA
(6Sep2010)
12
July,2012
EquityEliteFundII
SFIN ULIF019100210EQTELI2FND111
INVESTMENTSTYLE
Toprovidehighequityexposuretargetinghigherreturnsinthelongrun.Thefundhasthefollowingassetclass
allocationstrategy:
AssetsofEquityEliteFundII
Minimum
Maximum
Equity
60%
100%
0%
40%
Risk
ActualAssetMix
High
75.66%
24.34%
FUNDPERFORMANCE*
Returns
From
SinceInception
1April12
1yr
2yr
(10Feb2010)
EquityEliteFundII
0.24%
0.89%
1.12%
3.29%
BenchmarkNifty(80%)LiquiFex(20%)
0.39%
1.76%
0.79%
4.86%
13
July,2012
EquityEliteFund
SFIN ULIF012250208EQTYELTFND111
INVESTMENTSTYLE
Forlongtermcapitalappreciationthroughhigherexposureinequityandequityrelatedinstruments.Thefund
hasthefollowingassetclassallocationstrategy:
AssetsofEquityEliteFund
Minimum
Maximum
60%
100%
0%
40%
Risk
ActualAssetMix
76.81%
High
23.19%
FUNDPERFORMANCE*
Returns
EquityEliteFund
1yr
2yrs
3yrs
4yrs
SinceInception
0.15%
2.03%
0.10%
5.40%
9.04%
8.00%
0.39%
1.76%
0.79%
4.86%
3.37%
1.12%
From
1April12
(25Feb08)
Benchmark Nifty (80%)

LiquiFEX(20%)
14
July,2012
FlexiProtectFund
SFIN ULIF014080309FLEXPR1FND111
INVESTMENTSTYLE
Toprovidecapitalprotectionandoptimumreturnsbasedonsystematicassetallocationmodel.Thefundhas
thefollowingassetclassallocationstrategy:
AssetsofFlexiProtectFund
Minimum
Maximum
Risk
ActualAssetMix
0%
100%
Lowto
55.31%
0%
100%
Medium
44.69%
FUNDPERFORMANCE*
Returns
From
1April12
1yr
2yr
3yr
SinceInception
(8March09)
FlexiProtectFund
0.77%
0.78%
0.16%
5.50%
16.29%
BenchmarkNA
NA
NA
NA
NA
NA
15
July,2012
April,2012
FlexiProtectFund(SeriesII)
SFIN ULIF014080110FLEXPR2FND111
INVESTMENTSTYLE
Toprovidecapitalprotectionandoptimumreturnsbasedonsystematicassetallocationmodel.Thefundhas
thefollowingassetclassallocationstrategy:
AssetsofFlexiProtectFund(SeriesII)
Minimum
Maximum
Risk
ActualAssetMix
0%
100%
Lowto
59.61%
0%
100%
Medium
40.39%
FUNDPERFORMANCE*
Returns
From
1April12
1yr
2yr
SinceInception
(8Jan2010)
FlexiProtectFund(SeriesII)
0.71%
3.72%
0.27%
4.36%
Benchmark NA
NA
NA
NA
NA
16
July,2012
EquityPensionFund
SFIN ULIF006150107PEEQITYFND111
INVESTMENTSTYLE
To provide high equity exposure targetinghigher returns in the long term. The fundhas thefollowing asset
classallocationstrategy:
AssetsofEquityPensionFund
Minimum
Maximum
80%
100%
0%
20%
Risk
High
ActualAssetMix
99.28%
0.72%
FUNDPERFORMANCE*
Returns
From
1April12
SinceInception
1yr
2yrs
3yrs
4yrs
5yrs
(15Jan07)
EquityPensionFund
0.29%
2.93%
0.98%
3.83%
5.31%
2.65%
5.16%
BenchmarkNifty
1.26%
4.62%
1.30%
4.09%
3.38%
1.34%
3.25%
17
July,2012
BondPensionFund
SFIN ULIF007160107PENBONDFND111
INVESTMENTSTYLE
To provide relatively safe and less volatile investment option mainly through debt instruments and
accumulationofincomethroughinvestmentinfixedincomesecurities.Thefundhasthefollowingassetclass
allocationstrategy:
AssetsofBondPensionFund
Minimum
Maximum
Risk
ActualAssetMix
DebtInstruments
60%
100%
Lowto
92.14%
0%
40%
Medium
7.86%
FUNDPERFORMANCE*
Returns
From
1April12
1yr
2yrs
3yrs
4yrs
5yrs
SinceInception
(16Jan07)
BondPensionFund
3.61%
9.61%
7.92%
7.82%
9.24%
8.70%
9.02%
BenchmarkCRISILCompBex
3.03%
8.78%
7.04%
6.23%
7.54%
6.51%
6.59%
18
July,2012
GrowthPensionFund
SFIN ULIF008150207PEGRWTHFND111
INVESTMENTSTYLE
To provide longterm capital appreciation through investments primarily in equity and equity related
instruments with a small part invested in debt and money market for diversification and risk reduction.
AssetsofGrowthPensionFund
Minimum
Maximum
Risk
ActualAssetMix
40%
90%
Medium
69.69%
10%
60%
toHigh
30.31%
FUNDPERFORMANCE*
Returns
GrowthPensionFund
From
SinceInception
5yrs
(15Feb07)
6.18%
3.93%
8.18%
1.21%
0.37%
1.59%
1yr
2yrs
3yrs
4yrs
0.26%
1.66%
0.03%
5.17%
0.10%
0.34%
1.51%
5.11%
1April12
BenchmarkNifty(70%)
CompBex(30%)
19
July,2012
BalancedPensionFund
SFIN ULIF009210207PEBALANFND111
INVESTMENTSTYLE
Toprovideaccumulationofincomethroughinvestmentinbothequitiesandfixedincomesecuritieswithan
attempt to maintain a suitable balance between return and safety. The fund has the following asset class
allocationstrategy:
AssetsofBalancedPensionFund
Minimum
Maximum
40%
60%
40%
60%
Risk
ActualAssetMix
43.08%
Medium
56.92%
FUNDPERFORMANCE*
Returns
BalancedPensionFund
From
SinceInception
1yr
2yrs
3yrs
4yrs
5yrs
1.90%
2.89%
3.19%
5.63%
8.43%
8.21%
11.52%
0.97%
2.40%
3.25%
5.62%
5.50%
4.25%
5.48%
1April12
(21Feb2007)
BenchmarkNifty(50%)
CompBex(50%)
20
July,2012
EquityOptimiserPensionFund
SFIN ULIF011210108PEEQOPTFND111
INVESTMENTSTYLE
To provide equity exposure targeting higher returns (through long term capital gains). The fund has the
followingassetclassallocationstrategy:
AssetsofEquityOptimiserPensionFund
Minimum
Maximum
60%
100%
0%
40%
Risk
ActualAssetMix
80.37%
High
19.63%
FUNDPERFORMANCE*
Returns
From
1April12
1yr
2yrs
3yrs
4yrs
SinceInception
(21Jan2008)
EquityOptimiserPensionFund
0.61%
3.44%
1.41%
4.38%
6.71%
3.39%
0.39%
1.76%
0.79%
4.86%
3.37%
1.13%
21
July,2012
IndexPensionFund
SFIN ULIF017180110PEINDEXFND111
INVESTMENTSTYLE
To provide returns closely corresponding to returns of NSE, S&P CNX Nifty Index, though investment
regulationsmayrestrictinvestmentingroupcompanieslistedonindexleadingtohighertrackingerror.The
fundhasthefollowingassetclassallocationstrategy:
AssetsofIndexPensionFund
Minimum
Maximum
Equity
90%
100%
0%
10%
Risk
ActualAssetMix
99.60%
High
0.40%
FUNDPERFORMANCE*
Returns
From
1April12
1yr
2yr
SinceInception
(18Jan2010)
IndexPensionFund
0.62%
4.27%
0.85%
2.26%
BenchmarkNifty
1.26%
4.62%
1.30%
0.34%
22
July,2012
Top300PensionFund
SFIN ULIF018180110PETP300FND111
INVESTMENTSTYLE
To provide long term capital appreciation by investing in stocks of top 300 companies in terms of market
capitalizationonNationalStockExchange.Thefundhasthefollowingassetclassallocationstrategy:
AssetsofTop300PensionFund
Minimum
Maximum
Equity
60%
100%
0%
40%
Risk
ActualAssetMix
High
68.99%
31.01%
FUNDPERFORMANCE*
Returns
From
1April12
1yr
2yr
SinceInception
(18Jan2010)
Top300PensionFund
1.13%
0.60%
0.27%
4.93%
0.39%
1.76%
0.79%
1.40%
23
July,2012
DailyProtectFundII
INVESTMENTSTYLE
allocationstrategy:
AssetsofDailyProtectFundII
Min
Max
Risk
ActualAssetMix
0%
100%
Lowto
72.52%
0%
100%
Medium
27.48%
date.Guaranteechargeof0.50%p.a.ofDailyProtectFundIIvalue,wouldberecoveredfromthefund(throughcancellation
ofunits)toprovidetheNAVguarantee.
FUNDPERFORMANCE*
Returns
DailyProtectFundII
BenchmarkNA
SinceInception
From1April12
1yr
0.47%
4.49%
2.88%
NA
NA
NA
(4Mar2011)
24
July,2012
ReturnGuaranteeFund(RGF)#
INVESTMENTSTYLE
To provide a guaranteed return over a prespecified fixed period. It aims to guarantee fixed return by
investingmostlyinfixedincomesecurities(debtinstruments,moneymarketinstrumentsandcash)with
maturitiesclosetotheterminationdateofthefund.
#TheReturnGuarantee(MinimumNAVGuarantee)isapplicableonlyinrespectoftheReturnGuaranteeFund(RGF)and
th
is applicable to the NAV at the end of the 10 year from the start of the subscription period of the Fund and /or sub
fund(s). The guarantee will apply to all contributions made during the subscription period. To provide the Return
Guaranteeaguaranteechargeof0.35%p.a.oftheFundValueleviedonRGFwouldberecoveredthroughcancellationof
units.
FUNDPERFORMANCE RGF070311*
SFIN ULIF023090311RETGRT1FND111
AssetsofRGF
Minimum
Maximum
Risk
ActualAssetMix
DebtInstruments
60%
100%
Low
94.78%
0%
40%
5.22%
Returns
ReturnGuaranteeFund(RGF070311)
From
1April12
1yr
SinceInception
(09Mar2011)
3.60%
8.81%
6.43%
NA
NA
NA
BenchmarkNA
25
July,2012
FUNDPERFORMANCE RGF150611#
SFIN ULIF023210611RETGRT2FND111
INVESTMENTSTYLE
To provide a guaranteed return over a prespecified fixed period. It aims to guarantee fixed return by
investing mostly in fixed income securities (debt instruments, money market instruments and cash) with
maturitiesclosetotheterminationdateofthefund.
AssetsofRGF
Minimum Maximum
Risk
ActualAssetMix
DebtInstruments
60%
100%
0%
40%
Low
94.79%
5.21%
Returns
ReturnGuaranteeFund(RGF150611)
From
1April12
1yr
SinceInception
(21June2011)
3.72%
8.86%
7.64%
NA
NA
NA
BenchmarkNA
#TheReturnGuarantee(MinimumNAVGuarantee)isapplicableonlyinrespectoftheReturnGuaranteeFund(RGF)and
is applicable to the NAV at the end of the 10th year from the start of the subscription period of the Fund and /or sub
fund(s). The guarantee will apply to all contributions made during the subscription period. To provide the Return
Guaranteeaguaranteechargeof0.35%p.a.oftheFundValueleviedonRGFwouldberecoveredthroughcancellationof
units.
26
July,2012
DailyProtectFundIII
INVESTMENTSTYLE
allocationstrategy:
AssetsofDailyProtectFundIII
Min
Max
Risk
ActualAssetMix
0%
100%
Lowto
85.04%
0%
100%
Medium
14.96%
date. Guarantee charge of 0.50% p.a. of Daily Protect Fund III value, would be recovered from the fund (through
cancellationofunits)toprovidetheNAVguarantee.
27
July,2012
MoneyMarketFund
SFIN ULIF005010206MONYMKTFND111
INVESTMENTSTYLE
To provide an option to deploy the funds in liquid and safe instruments so as to avoid market risk on a
temporarybasis.
AssetsofMoneyMarketFund
Minimum
Maximum
DebtInstruments
0%
20%
80%
100%
Risk
Low
ActualAssetMix
0%
100%
FUNDPERFORMANCE*
Returns
From
1April12
1yr
2yrs
3yrs
4yrs
5yrs
SinceInception
(1Feb06)
MoneyMarketFund
2.71%
8.79%
7.45%
6.60%
7.11%
6.99%
6.71%
BenchmarkLiquiFEX
2.82%
8.76%
8.05%
6.53%
6.86%
6.87%
6.88%
28
July,2012
MoneyMarketPensionFund
SFIN ULIF013200308PEMNYMTFND111
INVESTMENTSTYLE
To provide an option to deploy the funds in liquid and safe instruments so as to avoid market risk on a
temporarybasis.
AssetsofMoneyMarketPensionFund
Minimum
Maximum
DebtInstruments
0%
20%
80%
100%
Risk
ActualAssetMix
0%
Low
100%
FUNDPERFORMANCE*
Returns
From
1April12
1yr
2yrs
3yrs
4yrs
SinceInception
(20Mar08)
MoneyMarketPensionFund
2.64%
8.73%
8.03%
6.71%
7.15%
7.09%
BenchmarkLiquiFEX
2.82%
8.76%
8.05%
6.53%
6.86%
6.95%
29
July,2012
GuaranteedPensionFund(GPF070211)^
SFIN ULIF022090211PEGURNTFND111
INVESTMENTSTYLE
Tomaximisetheinvestmentreturnsubjecttoaguaranteed^returnoveraprespecifiedfixedperiod(tillthe
last vesting date of all policies invested in the fund). It aims to guarantee a reverse repo related return by
investing mostly in fixed income securities (debt instruments, money market instruments and cash) with
maturitiesclosetothematuritydateofthefund.
AssetsofGPF
Minimum
Maximum
Equity
0%
10%
90%
100%
Risk
Low
ActualAssetMix
0%
100%
FUNDPERFORMANCE*
Returns
GuaranteedPensionFund(GPF070211)
From
SinceInception
1April12
1yr
(09Feb2011)
2.36%
7.44%
6.83%
NA
NA
NA
BenchmarkNA
^TheGuaranteedNAVisapplicableonlyatmaturity,andshallbefurthersubjecttothePolicybeinginforcetilltheMaturity
Date.GuaranteeChargeof0.35%p.a.wouldberecoveredfromtheFund(throughcancellationofunits)toprovidetheNAV
Guarantee.
30
July,2012
DiscontinuedPolicyFund
SFIN ULIF024110411DISCOPOFND111
AssetsofGPF
Equity
Minimum
Maximum
0%
0%
100%
100%
Risk
Low
ActualAssetMix
0%
100%
FUNDPERFORMANCE*
Returns
DiscontinuedPolicyFund
From
SinceInception
1April12
1yr
(11Apr2011)
2.52%
8.09%
7.81%
NA
NA
NA
BenchmarkNA
31
July,2012
RiskFactors:
1) UnitLinkedLifeInsuranceproductsaredifferentfromthetraditionalinsuranceproductsandaresubjectto
theriskfactors
2) PremiumpaidinunitlinkedpoliciesaresubjecttoinvestmentrisksassociatedwithcapitalmarketsandNAVs
oftheunitsmaygoupordownbasedontheperformanceoffundandfactorsinfluencingthecapitalmarket
andtheinsuredisresponsibleforhis/herdecisions.
3) SBILifeInsuranceCo.Ltd.isonlythenameoftheinsurancecompanyandthevariousproductsofferedare
onlythenamesoftheunitlinkedlifeinsurancecontractanddoesnotinanywayindicatethequalityofthe
contract,itsfutureprospectsorreturns.
4) ThevariousfundsofferedunderSBILifeUnitLinkedproductsareonlythenamesoffundsanddonotinany
wayindicatethequalityofthesefunds,theirfutureprospectsandreturns.
5) Pleaseknowtheassociatedrisksandtheapplicablecharges,fromyourInsuranceagentortheintermediary
orpolicydocumentoftheinsurer
6) PastPerformanceoftheFundisnotindicativeofitsfutureperformanceorreturns.
INTHISPOLICY,THEINVESTMENTRISKININVESTMENTPORTFOLIOISBORNEBYTHEPOLICYHOLDER
Toknowmoreaboutus
Visitusatwww.sbilife.co.inorCallTollFreeNo.1800229090
SBILifeInsuranceCo.Ltd.
RegisteredOfficeandCorporateOffice:"Natraj",M.VRoad&WesternExpressHighwayJunction,Andheri(E),
Mumbai400069
Regn.No.111
Insuranceisthesubjectmatterofsolicitation
FormoredetailsonRiskFactors,Terms&Conditions,pleasereadthesalesbrochurecarefullybeforeconcludingasale
32

SBI Life ULIP News Letter July12

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SBI Life ULIP News Letter July12

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