Ensure - Oct - 2010

The monthly fund performance update
October, 2010
(As on September 30, 2010)
Our Investment Philosophy

As one of the leading private life
Invest for Tomorrow, insurance companies, we know that

our customers trust their monies with
us to attain their long-term goals and
to Make the Most of Today to protect and achieve the dreams

and aspirations of their families.
With this in mind, our investment

focus is to ensure long term Safety,
Stability and Profitability of our
customers' funds.
Our aim is to achieve superior returns

for a given level of risk. In order to
meet this objective, we have
developed an investment framework
that is based on a sound investment
process coupled with a rigorous and
sophisticated risk management
strategy.
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Performance Summary Find your Fund The Investment Team Advises
5 Mantras of Financial Freedom How we Manage your Money Glossary of Terms
Performance Summary
As on September 30, 2010
Annualized Returns Equity Market Debt Market

Annualised returns (Fund) 5 Year Sharpe Ratio
(Benchmark) Date of Movement of Sensex and Nifty Yield Curve Aug-10 Sep-10
Fund Inception Sensex Nifty 9%
Since Since 20,500
3 Year 5 Year 3 Year 5 Year Fund Benchmark 20,000
6,400
Inception Inception 19,500
6,200
8%
6,000
19,000
Preserver 8.41% 8.07% 7.42% 6.11% 6.25% 5.84% 3.07 -0.21 17-May-04 18,500
5,800
5,600 7%
Protector* 8.04% 7.13% 6.96% 6.36% 5.56% 5.85% 0.20 -0.22 15-Nov-01 18,000 5,400
17,500 5,200
Balancer* 9.18% 12.55% 14.38% 7.57% 11.04% 12.18% 0.61 0.45 15-Nov-01 17,000 5,000 6%
1-Sep
2-Sep
3-Sep
6-Sep
7-Sep
8-Sep
9-Sep
13-Sep
14-Sep
15-Sep
16-Sep
17-Sep
20-Sep
21-Sep
22-Sep
23-Sep
24-Sep
27-Sep
28-Sep
29-Sep
30-Sep
6m 1y 2y 3y 4y 5y 6y 10y 30y
Maximiser 8.19% 19.09% 25.35% 5.81% 18.39% 22.30% 0.63 0.56 15-Nov-01 Maturity
Flexi Growth 7.79% NA 15.08% 5.53% NA 14.39% N.A. N.A. 20-Mar-07

Flexi Balanced 6.99% NA 11.35% 7.30% NA 12.18% N.A. N.A. 20-Mar-07 Equity: Fixed Income:
The market gained ~12% for the month of September RBI released its mid-quarter policy review during the
Multiplier NA NA 3.40% NA NA 1.80% N.A. N.A. 26-Nov-07 breaking out the range it had been trading for since the month of September wherein it hiked the Repo rate by
R.I.C.H. Fund NA NA 17.22% NA NA 13.41% N.A. N.A. 17-Mar-08 beginning of the calendar year (YTD return as of Aug end 0.25% to 6% and Reverse Repo by 0.5% to 5%. This
is 4%). This was due to strong inflow of foreign money. effectively narrowed the interest rate corridor to 1%. The
Pension Preserver 8.22% 7.96% 7.27% 6.11% 6.25% 5.84% 2.31 -0.21 17-May-04 For the month, FIIs bought US$ 6.3bn of stocks. This is the measures were driven by elevated inflation levels and
Pension Protector 7.91% 7.08% 7.11% 6.36% 5.56% 5.93% 0.20 -0.22 31-May-02 highest ever inflow of foreign money in a single month. belief that the domestic growth will be able to withstand
The domestic financial institutions continued to be on the the slowdown in the global economy in addition to the
Pension Balancer 7.94% 11.84% 14.90% 7.57% 11.04% 12.86% 0.58 0.45 31-May-02 selling side. As a result of the FII buying large cap indices continuation of normalisation process. The Government
Pension Maximiser 7.54% 19.00% 27.03% 5.81% 18.39% 24.00% 0.62 0.56 31-May-02 outperformed the small and mid cap indices for the announced the borrowing auction calendar for the
month. Apart from the strong inflows better than second half of the fiscal year 2010-11. As per the issuance
Pension Flexi Growth 6.49% NA 14.59% 5.53% NA 14.39% N.A. N.A. 20-Mar-07 expected economic data points also buoyed sentiments. calendar, the government will borrow Rs, 163,000 crores
IP growth accelerated to 13.8%YoY in July, far ahead of as against the initially budgeted figure of Rs. 173,000
Pension Flexi Balanced 7.07% NA 12.41% 7.30% NA 12.18% N.A. N.A. 20-Mar-07
expectations. crores. The government also hiked the FII investment limit
Pension Multiplier Fund NA NA 7.07% NA NA 5.86% N.A. N.A. 25-Feb-08 in government and corporate rupee debt by USD 5 billion
Outlook each. The government securities rallied on the back of
Pension R.I.C.H. Fund NA NA 17.43% NA NA 13.41% N.A. N.A. 17-Mar-08 We continue to believe that upside in the near term is these factors and the 10 year benchmark security 7.80%,
likely to be capped by a number of forces countering the due in 2020, closed at a yield of 7.84% as on September
* From the date of inception of the benchmark (2-April-2002) strong inflow of foreign money. These include weaker 29, 2010.
than expected economic data points, supply of paper and
disappointing corporate earnings. The markets currently On the global front, the Fed left its benchmark federal
KEY INDICATORS trade at ~20x FY11E. Thus, rich valuations are likely to
limit the upside. However, we continue to be positive on
funds rate unchanged at 0-0.25%. The Fed presented a
sluggish outlook to the economic growth and signaled
Indian market from a long term perspective.
Sept 30, Aug 31, Equity Indices Sept 30, Aug 31, % Change
that it would take new relief measures if economic
Economic Indicators Change 2010 2010 conditions weakened further.
2010 2010
Rs/$ 44.95 47.08 -4.52% BSE SENSEX 20,069 17,971 11.7 The IIP figure for the month of July was seen at 13.8%
which was much higher than the market expectations.
F/X Reserve($ bln) 291.60 282.84 3.09% S&P CNX NIFTY (50) 6,030 5,402 11.6
The WPI inflation for the month of August was noted at
Oil 79.97 73.54 8.74% INDIA BSE MIDCAP 8,084 7,597 6.4 8.51%. The Indian Rupee appreciated to Rs. 44.95
against the dollar as on September 29 , 2010.
Gold (Rs./10 gm) 19,165 18,920 1.29% CNX MIDCAP INDEX 9,164 8,680 5.6
Outlook:
FII Fund flow (INR mn) 291,959 111,857 180,102 We expect the debt market to trade in a range with
MF Fund flow (INR mn) -72,363 -31,696 -40,667 Sept 30, Aug 31, domestic and international data to play a major role.
Global Indices % Change Elevated inflation and tight system liquidity conditions
DII Fund flow (INR mn) -129,207 -45,138 -84,069 2010 2010
will continue to keep bond markets under pressure.
DII - MF fund flow 56,844 13,442 43,402 Dow Jones Industrials 10,788 10,015 7.7 However lower borrowing in second half and expected FII
investment in debt should act as positive triggers. We
Hang Seng 22,358 20,537 8.9 expect the Rupee to appreciate gradually to 44.00 against
Sept 30, 2010 Aug 31, 2010 FTSE 100 5,549 5,225 6.2 the US dollar by December end.
Monthly Inflation (WPI) 8.51% 9.78% Nikkei 225 Stock Average 9,369 8,824 6.2
GDP Growth Rate

5 year CAGR FY 2008 FY 2009 Fixed Income Sept 30, Aug 31,
% Change
Yields 2010 2010
8.30% 6.70% 7.40%
NSE Mibor 7.28% 5.13% 2.15%
Benchmark 5 year G-Sec 7.68% 7.68% 0.00%
1yr 3yr 5yr
Returns 5 year AAA 8.51% 8.54% -0.03%
BSE 100 19.00 5.82 18.40 10 year G-Sec 7.84% 7.95% -0.11%
CRISIL Bond Index 5.46% 6.36% 5.56% 10 year AAA 8.67% 8.78% -0.11%
Pension Funds InvestShield Funds
ULIP Funds
Balancer Protector Maximiser Preserver
Multiplier RICH Flexi Balanced Flexi Growth
Balancer
FUND OBJECTIVE PERFORMANCE SUMMARY PORTFOLIO

To provide a balance between long-term capital appreciation and
NAV*** Rs.
current income through investment in equity as well as fixed income AUM (Rs. Million): 21,770.68
Balancer Fund 35.14
instruments in appropriate proportions depending on market
Balancer Fund II 23.72
conditions prevalent from time to time. Allocation in
Balancer Fund III 16.25 Asset Allocation
Balancer Fund IV 14.3 Fund
RISK PROFILE EQUITY 38.35%
Expected return
DEBT 59.94%
ANNUALIZED RETURNS OTHER CURRENT ASSETS AND EQUIVALENT 1.71%
16.00%
TOTAL 100.00%
14.00% Allocation as a
Top 5 Sectors In Equity
% in Equity
12.00% BANKING 19.85%
10.00% TECHNOLOGY 12.65%
Risk METALS & MINERALS 11.85%
8.00% AUTO 8.86%
APPLICABLE PRODUCTS OIL & GAS 8.22%
6.00%
Product Balancer 4.00%
Allocation as a
Top 10 Equity Stocks
LifeStage Regular Premium IV % in Equity
LifeStage Assure IV 2.00% H D F C BANK LTD. 9.98%
LifeTime Plus II INFOSYS TECHNOLOGIES LTD. 7.60%
LifeTime Gold I 0.00%
AXIS BANK LTD. 6.78%
LifeTime Super I 3 Year 5 Year Since inception* BHARAT HEAVY ELECTRICALS LTD. 6.75%
LifeTime II I I T C LTD. 6.03%
LifeTime I
Balancer Benchmark
MAHINDRA & MAHINDRA LTD. 4.90%
PremierLife Gold II * calculated with effect from 2-Apr-02, as benchmark did not exist STERLITE INDUSTRIES (INDIA) LTD. 4.00%
PremierLife II
before this date BHARTI AIRTEL LTD. 3.79%
Wealth Advantage II
TATA CONSULTANCY SERVICES LTD. 3.73%
LifeLink Super III
LifeLink II II
SHRIRAM TRANSPORT FINANCE CO. LTD. 3.59%
NAV GROWTH
LifeLink I
SmartKid New Unit Linked Regular Premium II
Debt Asset Allocation Allocation in Fund
36
SmartKid Unit Linked Regular Premium Plan II I 34
GOVERNMENT SECURITIES/ T BILLS 17.49%
SmartKid Unit Linked Regular Premium Plan I CORPORATE SECURITIES 32.19%
32
SmartKid New Unit Linked Single Premium II AAA AND EQUIVALENT 26.75%
30
SmartKid Single Premium II I AA+ AND EQUIVALENT 2.26%
SmartKid Single Premium I 28
AA EQUIVALENT AND BELOW 3.18%
Golden Years II 26 CORPORATE MONEY MARKET SECURITIES 9.28%
24 COMMERCIAL PAPER (P1+
DATE OF INCEPTION: Nov 16, 2001 22 AND EQUIVALENT) 9.28%
20 CERTIFICATE OF DEPOSIT (P1+ AND
ASSET ALLOCATION 18 EQUIVALENT) 0.00%
16 FIXED DEPOSITS WITH BANKS 0.97%
Indicative Portfolio Allocation Max (%) Min (%)
Equity & equity related securities 40 0 14
12 Average Maturity of Debt Portfolio (Months) 53.38
Debt, Money Market & Cash 100 60
10 Average Maturity of Debt Benchmark (Months) 40.71
Apr-02 Sep-03 Jan-05 Jul-06 Nov-07 Apr-09 Sep-10 Yield to Maturity of Debt Portfolio 7.76%
BENCHMARK
35% BSE 100&65% CRISIL Composite Bond Index Balancer Benchmark
*** Last Declared NAV (September 30, 2010)
For full portfolio details please Click Here

ULIP Funds
Protector

To provide accumulation of income through investment in various
NAV*** Rs.
fixed income securities. The fund seeks to provide capital appreciation AUM (Rs. Million): 16,059.27
Protector Fund 19.8149
while maintaining a suitable balance between return, safety and
Protector Fund II 15.207
liquidity.
Protector Fund III 13.9806 Asset Allocation Allocation in Fund
Protector Fund IV 13.0544 GOVERNMENT SECURITIES/ T BILLS 22.00%
RISK PROFILE
CORPORATE SECURITIES 44.50%
Expected return
AAA AND EQUIVALENT 38.44%

ANNUALIZED RETURNS AA+ AND EQUIVALENT 2.52%
9.00%
CORPORATE MONEY MARKET SECURITIES 19.45%
8.00% COMMERCIAL PAPER (P1+ AND
7.00%
EQUIVALENT) 19.45%
CERTIFICATE OF DEPOSIT (P1+
6.00% AND EQUIVALENT) 0.00%
5.00% FIXED DEPOSITS WITH BANKS 7.14%
Risk OTHER CURRENT ASSETS AND
4.00% EQUIVALENT 6.91%
APPLICABLE PRODUCTS
3.00% TOTAL 100.00%
Product Protector 2.00%
LifeStage Regular Premium IV
LifeStage Assure IV 1.00% Portfolio By Maturity Allocation in
LifeTime Plus II Fund
0.00%
LifeTime Gold I < 1 year 38.50%
3 Year 5 Year Since inception*
LifeTime Super I 1-5 years 39.97%
LifeTime II I Protector Benchmark 5-7 years 2.83%
LifeTime I 7-10 years 6.17%
PremierLife Gold II * calculated with effect from 2-Apr-02, as benchmark did not exist > 10 years 12.53%
PremierLife II before this date TOTAL 100.00%
Wealth Advantage II
LifeLink Super III Average Maturity of Debt Portfolio (Months) 45.38
LifeLink II II NAV GROWTH Average Maturity of Benchmark (Months) 40.71
LifeLink I Yield to Maturity of Debt Portfolio 7.64%
20.00
SmartKid Unit Linked Regular Premium Plan II I 19.00
SmartKid Unit Linked Regular Premium Plan I
18.00 *** Last Declared NAV (September 30, 2010)
SmartKid New Unit Linked Single Premium II
SmartKid Single Premium II I 17.00
SmartKid Single Premium I
Golden Years II 16.00
15.00
DATE OF INCEPTION: Nov 16, 2001
14.00
ASSET ALLOCATION 13.00

Indicative Portfolio Allocation Max (%) Min (%) 12.00
Equity & equity related securities 0 0
Debt, Money Market & Cash 100 100 11.00
Apr-02 Sep-03 Feb-05 Jul-06 Dec-07 May-09 Sep-10
BENCHMARK Protector Benchmark

CRISIL Composite Bond Index

ULIP Funds
Maximiser

To generate long-term capital appreciation through investment
NAV*** Rs.
primarily in equity and equity-related instruments. AUM (Rs. Million): 99,722.78
Maximiser Fund 74.35
Maximiser Fund II 41.29
RISK PROFILE Allocation in
Maximiser Fund III 18.8 Asset Allocation
Maximiser Fund IV 14.71 Fund
Expected return
EQUITY 98.81%
DEBT AND OTHER CURRENT ASSETS &
ANNUALIZED RETURNS EQUIVALENT 1.19%
TOTAL 100.00%
30.00%
Allocation as a
Sector Allocation % in Equity
25.00%
BANKING 20.67%
Risk TECHNOLOGY 11.91%
20.00%
METALS & MINERALS 10.31%
APPLICABLE PRODUCTS AUTO 9.66%
15.00% CONSUMER 8.73%
Product Maximiser OIL & GAS 8.47%
LifeStage Regular Premium IV 10.00% CAPITAL GOODS 8.34%
LifeTime Plus II FINANCE 4.95%
LifeTime Super I 5.00% CEMENT 4.90%
LifeTime II I TELECOM 4.19%
LifeTime I 0.00% PHARMA & HEALTHCARE 2.35%
PremierLife Gold II 3 Year 5 Year Since inception RETAIL 1.86%
PremierLife II EPC 1.51%
LifeLink Super III Maximiser Benchmark REAL ESTATE 1.38%
LifeLink II II INFRASTRUCTURE 0.50%
LifeLink I NAV GROWTH OTHERS 0.24%
MEDIA 0.02%
SmartKid Unit Linked Regular Premium Plan I Allocation as a
Top 20 Equity stocks
SmartKid New Unit Linked Single Premium II 64.00 % in Equity
SmartKid Single Premium II I H D F C BANK LTD. 9.82%
SmartKid Single Premium I 56.00 INFOSYS TECHNOLOGIES LTD. 8.44%
Golden Years II BHARAT HEAVY ELECTRICALS LTD. 6.94%
48.00
I T C LTD. 6.37%
40.00
32.00
STERLITE INDUSTRIES (INDIA) LTD. 4.61%
DATE OF INCEPTION: Nov 16, 2001 BHARTI AIRTEL LTD. 4.19%
24.00 RELIANCE INDUSTRIES LTD. 4.06%
ASSET ALLOCATION OIL & NATURAL GAS CORPN. LTD. 3.51%
Indicative Portfolio Allocation Max (%) 16.00 MARUTI SUZUKI INDIA LTD. 3.19%
Min (%)
Equity & equity related securities 100 75 SHRIRAM TRANSPORT FINANCE CO. LTD. 2.87%
8.00 TATA CONSULTANCY SERVICES LTD. 2.78%
Debt, Money Market & Cash 25 0 Nov-01 May-03 Nov-04 Apr-06 Oct-07 Apr-09 Sep-10 JINDAL STEEL & POWER LTD. 2.47%
A C C LTD. 2.42%
BENCHMARK Maximiser Benchmark LUPIN LTD. 2.35%
BSE 100 TATA STEEL LTD. 2.08%
PANTALOON RETAIL (INDIA) LTD. 1.86%
DABUR INDIA LTD. 1.80%
ORIENTAL BANK OF COMMERCE 1.80%

ULIP Funds
Preserver

To provide suitable returns through low risk investments in debt and
NAV*** Rs.
money market instruments while attempting to protect the capital AUM (Rs. Million): 4,074.80
Preserver Fund 15.783
deployed in the fund.
Preserver Fund III 14.2455
RISK PROFILE Preserver Fund IV 12.7395 Asset Allocation Allocation in Fund
Expected return
ANNUALIZED RETURNS AAA AND EQUIVALENT 7.02%

AA+ AND EQUIVALENT 0.00%
9.00% AA EQUIVALENT AND BELOW 8.18%
8.00%
COMMERCIAL PAPER (P1+ AND
7.00% EQUIVALENT) 63.35%
6.00% CERTIFICATE OF DEPOSIT (P1+ AND
EQUIVALENT) 0.00%
Risk 5.00% FIXED DEPOSITS WITH BANKS 15.48%
4.00% OTHER CURRENT ASSETS AND EQUIVALENT 5.97%
APPLICABLE PRODUCTS TOTAL 100.00%
3.00%
Product Preserver
LifeStage Regular Premium IV
2.00%
Portfolio by Maturity Allocation in
LifeStage Assure IV 1.00% Fund
LifeTime Plus I < 1 YEAR 98.31%
0.00%
LifeTime Gold I 1- 5 YEARS 1.69%
3 Year 5 Year Since inception
LifeTime Super I 5 - 7 YEARS 0.00%
LifeTime II I 7- 10 YEARS 0.00%
LifeTime I Preserver Benchmark > 10 YEARS 0.00%
PremierLife Gold II TOTAL 100.00%
PremierLife I
Wealth Advantage I NAV GROWTH Average Maturity of Debt Portfolio (Months) 2.27
LifeLink Super III
16.00 Average Maturity of Debt Benchmark (Months) 2.23
LifeLink II I
LifeLink I Yield to Maturity of Debt Portfolio 6.37%
SmartKid New Unit Linked Regular Premium I 15.00
SmartKid Unit Linked Regular Premium Plan II I
SmartKid Unit Linked Regular Premium Plan I *** Last Declared NAV (September 30, 2010)
SmartKid New Unit Linked Single Premium I 14.00
SmartKid Single Premium II I
SmartKid Single Premium I
13.00
Golden Years I
DATE OF INCEPTION: May 17, 2004 12.00

10.00
Debt instruments 50 0
Aug-04 Aug-05 Aug-06 Aug-07 Sep-08 Sep-09 Sep-10
Money Market & Cash 100 50
Preserver Benchmark
BENCHMARK
CRISIL Liquid Index

ULIP Funds
Multiplier

To provide long-term capital appreciation from equity portfolio
NAV*** Rs.
predominantly invested in NIFTY scrips. AUM (Rs. Million): 26,248.37
Multiplier Fund 11
Multiplier Fund II 12.38
Multiplier Fund III 12.11 Asset Allocation
Multiplier Fund IV 12.34 Fund
Expected return
EQUITY 95.03%
DEBT AND OTHER CURRENT ASSETS & EQUIVALENT 4.97%
ANNUALIZED RETURNS TOTAL 100.00%
20.00%
BANKING 19.27%
OIL & GAS 16.57%
Risk TECHNOLOGY 13.11%
15.00% METALS & MINERALS 8.47%
CONSUMER 7.57%
APPLICABLE PRODUCTS
10.00% FINANCE 7.51%
Product Multiplier AUTO 6.32%
LifeStage Regular Premium IV CAPITAL GOODS 5.03%
LifeStage Assure IV 5.00% TELECOM 3.18%
LifeTime Plus II EPC 2.61%
LifeTime Gold I INFRASTRUCTURE 2.54%
0.00%
LifeTime Super I CEMENT 2.53%
LifeTime II I 1 Year Since inception
PHARMA & HEALTHCARE 2.03%
LifeTime I OTHERS 1.79%
Multiplier Benchmark
PremierLife Gold II MEDIA 1.41%
PremierLife II REAL ESTATE 0.07%
Wealth Advantage II NAV GROWTH
LifeLink Super III
LifeLink II II 12.00 Allocation as a
LifeLink I % in Equity
SmartKid New Unit Linked Regular Premium II 11.00
H D F C BANK LTD. 9.64%
SmartKid Unit Linked Regular Premium Plan II II INFOSYS TECHNOLOGIES LTD. 8.32%
10.00
SmartKid Unit Linked Regular Premium Plan II I T C LTD. 6.79%
SmartKid New Unit Linked Single Premium II 9.00 RELIANCE INDUSTRIES LTD. 6.71%
SmartKid Single Premium II II AXIS BANK LTD. 6.35%
SmartKid Single Premium I 8.00
OIL & NATURAL GAS CORPN. LTD. 5.29%
Golden Years II
7.00 BHARAT HEAVY ELECTRICALS LTD. 4.37%
DATE OF INCEPTION: Nov 26, 2007 6.00
HOUSING DEVELOPMENT FINANCE CORPN. LTD. 3.68%
5.00 STERLITE INDUSTRIES (INDIA) LTD. 3.49%
ASSET ALLOCATION BHARTI AIRTEL LTD. 2.96%
Indicative Portfolio Allocation Max (%) Min (%) 4.00 MAHINDRA & MAHINDRA LTD. 2.96%
Nov-07 Aug-08 Apr-09 Jan-10 Sep-10
Equity & equity related securities 100 80 LARSEN & TOUBRO LTD. 1.98%
Debt, Money Market & Cash 20 0 JINDAL STEEL & POWER LTD. 1.72%
Multiplier Benchmark
TATA STEEL LTD. 1.66%
BENCHMARK
MARUTI SUZUKI INDIA LTD. 1.49%
S&P CNX Nifty JAGRAN PRAKASHAN LTD 1.38%
GAIL (INDIA) LTD. 1.36%
PUNJAB NATIONAL BANK 1.30%

ULIP Funds
RICH

To generate superior long-term returns from a diversified portfolio of
NAV*** Rs.
equity and equity related instruments of companies operating in four AUM (Rs. Million): 31,207.18
R.I.C.H. Fund 14.97
important types of industries, viz., Resources, Investment-related,
R.I.C.H. Fund II 15.29
Consumption-related and Human Capital leveraged industries. Allocation in
R.I.C.H. Fund III 14.99 Asset Allocation
R.I.C.H. Fund IV 15.28 Fund
Expected return

20.00% BANKING 16.15%
OIL & GAS 13.70%
TECHNOLOGY 9.39%
15.00% FINANCE 9.29%
Risk METALS & MINERALS 8.26%
CONSUMER 8.08%
APPLICABLE PRODUCTS 10.00%
AUTO 6.11%
Product RICH EPC 5.14%
LifeStage Regular Premium IV 5.00% CAPITAL GOODS 4.99%
LifeStage Assure IV INFRASTRUCTURE 4.37%
LifeTime Plus II PHARMA & HEALTHCARE 4.16%
0.00%
LifeTime Gold I OTHERS 3.49%
1 Year Since inception
LifeTime Super I TELECOM 3.08%
LifeTime II I RICH Benchmark CEMENT 1.93%
LifeTime I REAL ESTATE 1.35%
PremierLife Gold II MEDIA 0.52%
PremierLife II NAV GROWTH
Wealth Advantage II 15.00
LifeLink Super III
14.00 Allocation as a
LifeLink II II Top 20 Equity Stocks
% in Equity
LifeLink I 13.00
SmartKid New Unit Linked Regular Premium II RELIANCE INDUSTRIES LTD. 8.05%
12.00 H D F C BANK LTD. 5.02%
SmartKid Unit Linked Regular Premium Plan I 11.00 I T C LTD. 4.55%
SmartKid New Unit Linked Single Premium II 10.00
SmartKid Single Premium II I BHARAT HEAVY ELECTRICALS LTD. 3.48%
9.00
SmartKid Single Premium I OIL & NATURAL GAS CORPN. LTD. 3.46%
Golden Years II 8.00 LARSEN & TOUBRO LTD. 3.22%
7.00 INFOSYS TECHNOLOGIES LTD. 3.19%
DATE OF INCEPTION: Mar 17, 2008 TATA CONSULTANCY SERVICES LTD. 2.55%
6.00
PUNJAB NATIONAL BANK 2.35%
5.00 JINDAL STEEL & POWER LTD. 2.23%
ASSET ALLOCATION Mar-08 Nov-08 Jun-09 Feb-10 Sep-10
KOTAK MAHINDRA BANK LTD. 2.09%
BHARTI AIRTEL LTD. 2.07%
Equity & equity related securities 100 80 RICH Benchmark
GODREJ CONSUMER PRODUCTS LTD. 1.89%
BENCHMARK J S W STEEL LTD. 1.85%
BSE 100 INFRASTRUCTURE DEVELOPMENT FINANCE CO. LTD. 1.76%
TATA MOTORS LTD. 1.57%

ULIP Funds
Flexi Balanced

To achieve a balance between capital appreciation and stable returns
NAV*** Rs.
by investing in a mix of equity and equity related instruments of large, AUM (Rs. Million): 2,770.97
Flexi Balanced Fund 14.62
mid and small cap companies and debt and debt related instruments.
Flexi Balanced Fund II 15.44
Flexi Balanced Fund III 14.49 Allocation in
RISK PROFILE Asset Allocation
Flexi Balanced Fund IV 13.67 Fund
EQUITY 57.57%
Expected return
DEBT 41.14%
TOTAL 100.00%
16.00%
Top 5 SectorsIn Equity
% in Equity
12.00%
BANKING 16.61%
10.00% OIL & GAS 15.47%
Risk CAPITAL GOODS 10.78%
8.00%
OTHERS 9.23%
APPLICABLE PRODUCTS 6.00% TECHNOLOGY 8.06%
Product Flexi Balanced 4.00%
Allocation as a
LifeStage Regular Premium IV Top 10 Equity Stocks
2.00% % in Equity
LifeStage Assure IV
LifeTime Plus II 0.00% H D F C BANK LTD. 6.95%
LifeTime Gold I OIL & NATURAL GAS CORPN. LTD. 6.43%
LifeTime Super I 1 Year 3 Year Since inception RELIANCE INDUSTRIES LTD. 5.71%
LifeTime II I Flexi Balanced Benchmark BHARAT HEAVY ELECTRICALS LTD. 5.01%
LifeTime I STATE BANK OF INDIA 4.63%
PremierLife Gold II AXIS BANK LTD. 4.02%
PremierLife II NAV GROWTH GUJARAT STATE PETRONET LTD. 3.48%
Wealth Advantage II 16.00 N T P C LTD. 3.44%
LifeLink Super III TATA CONSULTANCY SERVICES LTD. 3.41%
LifeLink II II 15.00 I T C LTD. 3.36%
LifeLink I
SmartKid New Unit Linked Regular Premium II 14.00 Debt Asset Allocation Allocation in Fund
SmartKid Unit Linked Regular Premium Plan I GOVERNMENT SECURITIES/ T BILLS 9.37%
13.00
SmartKid New Unit Linked Single Premium II CORPORATE SECURITIES 14.88%
SmartKid Single Premium II II 12.00
SmartKid Single Premium I AA+ AND EQUIVALENT 1.23%
Golden Years II 11.00
DATE OF INCEPTION: Mar 20, 2007 10.00 COMMERCIAL PAPER (P1+ AND
EQUIVALENT) 13.52%
ASSET ALLOCATION 9.00 CERTIFICATE OF DEPOSIT (P1+ AND
EQUIVALENT) 0.00%
Indicative Portfolio Allocation Max (%) Min (%) 8.00 FIXED DEPOSITS WITH BANKS 3.37%
Mar-07 Feb-08 Dec-08 Nov-09 Sep-10
Flexi Balanced Benchmark Average Maturity of Debt Portfolio (Months) 45.21
BENCHMARK Average Maturity of Debt Benchmark (Months) 40.71
55% CNX 500 & 45% CRISIL Composite Bond Index Yield to Maturity of Debt Portfolio 7.38%

ULIP Funds
Flexi Growth

NAV*** Rs.
equity and equity related instruments of large, mid and small cap AUM (Rs. Million): 75,149.87
Flexi Growth Fund 16.43
companies.
Flexi Growth Fund II 16.84
Flexi Growth Fund III 16.37 Allocation in
RISK PROFILE Asset Allocation
Flexi Growth Fund IV 14.41 Fund
EQUITY 95.34%
Expected return

20.00% OIL & GAS 18.57%
BANKING 15.49%
TECHNOLOGY 9.87%
Risk 15.00% METALS & MINERALS 8.37%
CONSUMER 6.92%
APPLICABLE PRODUCTS 10.00% CAPITAL GOODS 6.43%
FINANCE 6.18%
Product Flexi Growth INFRASTRUCTURE 6.14%
LifeStage Regular Premium IV 5.00% OTHERS 5.92%
LifeStage Assure IV EPC 3.48%
LifeTime Plus II 0.00% PHARMA & HEALTHCARE 3.14%
LifeTime Gold I 1 Year 3 Year Since inception AUTO 3.09%
LifeTime Super I CEMENT 2.76%
LifeTime II I Flexi Growth Benchmark TELECOM 2.57%
LifeTime I MEDIA 0.93%
PremierLife Gold II NAV GROWTH REAL ESTATE 0.15%
PremierLife II
19.00
Wealth Advantage II
18.00
LifeLink Super III Allocation as a
LifeLink II II 17.00 Top 20 Equity Stocks
% in Equity
LifeLink I 16.00
SmartKid New Unit Linked Regular Premium II 15.00
SmartKid Unit Linked Regular Premium Plan I RELIANCE INDUSTRIES LTD. 4.35%
13.00
SmartKid New Unit Linked Single Premium II AXIS BANK LTD. 3.84%
12.00
SmartKid Single Premium II II I T C LTD. 3.35%
11.00
SmartKid Single Premium I N T P C LTD. 3.19%
10.00
Golden Years II STATE BANK OF INDIA 2.95%
9.00
8.00
DATE OF INCEPTION: Mar 20, 2007 BHARAT HEAVY ELECTRICALS LTD. 2.67%
7.00
LARSEN & TOUBRO LTD. 2.60%
6.00
ASSET ALLOCATION Mar-07 Feb-08 Dec-08 Nov-09 Sep-10
INFOSYS TECHNOLOGIES LTD. 2.54%
OIL INDIA LTD. 2.47%
Flexi Growth Benchmark KANSAI NEROLAC PAINTS LTD. 2.36%
Debt, Money Market & Cash 20 0 BHARTI AIRTEL LTD. 2.02%
BENCHMARK LUPIN LTD. 1.76%
S&P CNX 500 STERLITE INDUSTRIES (INDIA) LTD. 1.71%
WIPRO LTD. 1.71%
BHARAT PETROLEUM CORPN. LTD. 1.57%

ULIP Funds InvestShield Funds
Pension Funds
Pension Balancer Pension Protector Pension Maximiser Pension Preserver
Pension Multiplier Pension RICH Pension Flexi Balanced Pension Flexi Growth
Pension Balancer

To provide a balance between long-term capital appreciation and
NAV*** Rs.
current income through investment in equity as well as fixed income AUM (Rs. Million): 14,011.90
Pension Balancer Fund 31.85
instruments in appropriate proportions depending on market
Pension Balancer Fund II 23.51
conditions prevalent from time to time. Allocation in
Asset Allocation
Fund
DEBT 59.38%
Expected return

TOTAL 100.00%
16.00%
Top 5 Sectors in Equity
% in Equity
12.00%
BANKING 21.47%
Risk FINANCE 10.67%
8.00%
EPC 9.92%
6.00% CONSUMER 8.91%
APPLICABLE PRODUCTS
Product Pension Balancer 4.00%
Allocation as a
LifeStage Pension I Top 10 Equity Stocks
2.00% % in Equity
LifeTime Super Pension II
LifeTime Pension II II 0.00%
HINDALCO INDUSTRIES LTD. 6.35%
LifeTime Pension I 3 Year 5 Year Since inception ALLAHABAD BANK 5.53%
PremierLife Pension II
Pension Balancer Benchmark LARSEN & TOUBRO LTD. 5.41%
LifeLink Super Pension II
LifeLink Pension II II
BHARAT HEAVY ELECTRICALS LTD. 5.32%
LifeLink Pension I NAV GROWTH UNITECH LTD. 5.21%
I T C LTD. 5.11%
32 INFOSYS TECHNOLOGIES LTD. 4.92%
DATE OF INCEPTION: May 30, 2002 JAIPRAKASH ASSOCIATES LTD. 4.45%
28
ASSET ALLOCATION
Indicative Portfolio Allocation Max (%) Min (%) Debt Asset Allocation Allocation in Fund
Equity & equity related securities 40 0 24 GOVERNMENT SECURITIES/ T BILLS 14.46%
Debt, Money Market & Cash 100 60 CORPORATE SECURITIES 25.58%
20
BENCHMARK AA+ AND EQUIVALENT 1.62%
35% BSE 100 & 65% CRISIL Composite Bond Index
16 CORPORATE MONEY MARKET SECURITIES 13.63%
EQUIVALENT) 13.63%
12 CERTIFICATE OF DEPOSIT (P1+ AND
EQUIVALENT) 0.00%
FIXED DEPOSITS WITH BANKS 5.71%
8
May-02 Oct-03 Mar-05 Jul-06 Dec-07 May-09 Sep-10
Average Maturity of Debt Portfolio (Months) 48.85
Pension Balancer Benchmark Average Maturity of Debt Benchmark (Months) 40.71
Yield to Maturity of Debt Portfolio 7.59%

Pension Funds
Pension Protector

To provide accumulation of income through investment in various
NAV*** Rs.
fixed income securities. The fund seeks to provide capital appreciation AUM (Rs. Million): 17,355.98
Pension Protector Fund 17.7264
while maintaining a suitable balance between return, safety and
Pension Protector Fund II 15.1204
liquidity.
Asset Allocation Allocation in Fund
RISK PROFILE GOVERNMENT SECURITIES/ T BILLS 27.60%
Expected return
ANNUALIZED RETURNS
CORPORATE MONEY MARKET
8.00%
SECURITIES 23.87%
7.00% COMMERCIAL PAPER (P1+ AND
5.00%
Risk AND EQUIVALENT) 0.00%
4.00% FIXED DEPOSITS WITH BANKS 8.39%
OTHER CURRENT ASSETS AND
EQUIVALENT 3.50%
Product Pension Protector 2.00% TOTAL 100.00%
LifeStage Pension I 1.00%
LifeTime Super Pension II Allocation in
LifeTime Pension II II 0.00% Portfolio by Maturity
Fund
LifeTime Pension I 3 Year 5 Year Since inception < 1 year 44.26%
PremierLife Pension II 1-5 years 34.77%
LifeLink Super Pension II Pension Protector Benchmark
5-7 years 2.36%
7-10 years 5.84%
LifeLink Pension I
> 10 years 12.77%
NAV GROWTH
TOTAL 100.00%
DATE OF INCEPTION: May 31, 2002 18.00
ASSET ALLOCATION 17.00 Average Maturity of Debt Benchmark (Months) 40.71
16.00
BENCHMARK 14.00
CRISIL Composite Bond Index

13.00
12.00
11.00
10.00
May-02 Oct-03 Mar-05 Jul-06 Dec-07 May-09 Sep-10
Pension Protector Benchmark

Pension Funds
Pension Maximiser

To generate long-term capital appreciation through investment
NAV*** Rs.
primarily in equity and equity-related instruments. AUM (Rs. Million): 36,550.73
Pension Maximiser Fund 73.55
Pension Maximiser Fund II 42.5
Asset Allocation
Fund
EQUITY 99.02%
Expected return

25.00% BANKING 19.34%
TECHNOLOGY 12.38%
Risk AUTO 9.38%
15.00% OIL & GAS 8.59%
APPLICABLE PRODUCTS CONSUMER 7.88%
Product Pension Maximiser CAPITAL GOODS 7.08%
10.00%
LifeStage Pension I CEMENT 5.84%
LifeTime Super Pension II
PHARMA & HEALTHCARE 4.13%
5.00% TELECOM 3.96%
LifeTime Pension II II
FINANCE 3.56%
LifeTime Pension I 0.00% INFRASTRUCTURE 2.11%
PremierLife Pension II
3 Year 5 Year Since inception RETAIL 2.10%
BROKERS 1.25%
EPC 1.06%
LifeLink Pension I Pension Maximiser Benchmark
REAL ESTATE 0.59%
OTHERS 0.16%
DATE OF INCEPTION: May 31, 2002 NAV GROWTH
ASSET ALLOCATION % in Equity
68.00
Indicative Portfolio Allocation Max (%) Min (%) H D F C BANK LTD. 9.82%
Equity & equity related securities 100 75 62.00 INFOSYS TECHNOLOGIES LTD. 8.30%
Debt, Money Market & Cash 25 0 56.00 BHARAT HEAVY ELECTRICALS LTD. 6.23%
I T C LTD. 5.77%
50.00
BENCHMARK
44.00 STERLITE INDUSTRIES (INDIA) LTD. 4.17%
BSE 100 RELIANCE INDUSTRIES LTD. 4.00%
38.00
32.00 MAHINDRA & MAHINDRA LTD. 3.92%
26.00
14.00
A C C LTD. 2.37%
8.00 JINDAL STEEL & POWER LTD. 2.34%
May-02 Oct-03 Mar-05 Jul-06 Dec-07 May-09 Sep-10 TATA STEEL LTD. 2.20%
LUPIN LTD. 2.19%
PANTALOON RETAIL (INDIA) LTD. 2.10%
Pension Maximiser Benchmark DR. REDDY'S LABORATORIES LTD. 1.94%
UNION BANK OF INDIA 1.87%

Pension Funds
Pension Preserver

To provide suitable returns through low risk investments in debt and
NAV*** Rs.
money market instruments while attempting to protect the capital AUM (Rs. Million): 3,616.21
Pension Preserver Fund 15.6382
deployed in the fund.
Asset Allocation Allocation in Fund
RISK PROFILE GOVERNMENT SECURITIES/ T BILLS 0.00%
Expected return

AND EQUIVALENT) 0.00%
6.00%
Risk FIXED DEPOSITS WITH BANKS 12.63%
OTHER CURRENT ASSETS AND EQUIVALENT 9.13%
APPLICABLE PRODUCTS 4.00% TOTAL 100.00%
Product Pension Preserver
LifeStage Pension 2.00% Portfolio by Maturity Allocation in
LifeTime Super Pension Fund
LifeTime Pension II < 1 YEAR 98.34%
0.00%
LifeTime Pension 1- 5 YEARS 1.66%
PremierLife Pension 3 Year 5 Year Since inception 5 - 7 YEARS 0.00%
LifeLink Super Pension Pension Preserver Benchmark 7- 10 YEARS 0.00%
LifeLink Pension II > 10 YEARS 0.00%
LifeLink Pension TOTAL 100.00%
NAV GROWTH
DATE OF INCEPTION: May 17, 2004 16.00 Average Maturity of Debt Benchmark (Months) 2.23
15.50 Yield to Maturity of Debt Portfolio 6.46%
ASSET ALLOCATION
15.00
14.50
Equity & equity related securities 0 0 *** Last Declared NAV (September 30, 2010)
Debt instruments 50 0 14.00
Money Market & Cash 100 50 13.50
13.00
BENCHMARK 12.50
CRISIL Liquid Index 12.00
11.50
11.00
10.50
10.00
May-04 Dec-05 Jul-07 Feb-09 Sep-10
Pension Preserver Benchmark

Pension Funds
Pension Multiplier

To provide long-term capital appreciation from equity portfolio
NAV*** Rs.
predominantly invested in NIFTY scrips. AUM (Rs. Million): 13,448.39
Pension Multiplier Fund 11.94
Pension Multiplier Fund II 12.23
Asset Allocation
Fund
EQUITY 96.04%
Expected return

BANKING 23.75%
20.00%
EPC 11.11%
Risk CONSUMER 10.25%
15.00%
FINANCE 8.61%
APPLICABLE PRODUCTS TECHNOLOGY 7.36%
10.00%
Product Pension Multiplier AUTO 6.39%
LifeStage Pension I OIL & GAS 5.90%
LifeTime Super Pension II 5.00% CAPITAL GOODS 5.30%
LifeTime Pension II II REAL ESTATE 4.71%
LifeTime Pension I INFRASTRUCTURE 3.09%
PremierLife Pension II 0.00%
LifeLink Super Pension II 1 Year Since inception
LifeLink Pension II II Allocation as a
LifeLink Pension I Pension Multiplier Benchmark % in Equity
LARSEN & TOUBRO LTD. 6.45%
DATE OF INCEPTION: Feb 25, 2008 NAV GROWTH
I T C LTD. 5.75%
ASSET ALLOCATION 12.00 HOUSING DEVELOPMENT FINANCE CORPN. LTD. 5.72%
Indicative Portfolio Allocation Max (%) Min (%) BHARAT HEAVY ELECTRICALS LTD. 5.30%
11.00
Equity & equity related securities 100 80 INFOSYS TECHNOLOGIES LTD. 5.00%
Debt, Money Market & Cash 20 0 10.00 RELIANCE INDUSTRIES LTD. 4.97%
UNITECH LTD. 4.71%
9.00 JAIPRAKASH ASSOCIATES LTD. 4.67%
BENCHMARK MAHINDRA & MAHINDRA LTD. 3.76%
S&P CNX Nifty 8.00
J S W ENERGY LIMITED 3.09%
7.00
6.00 J S W STEEL LTD. 3.04%
GODREJ CONSUMER PRODUCTS LTD. 2.92%
5.00 INDIAN BANK 2.55%
4.00
JINDAL STEEL & POWER LTD. 2.49%
Feb-08 Oct-08 Jun-09 Feb-10 Sep-10 H C L TECHNOLOGIES LTD. 2.36%
ALLAHABAD BANK 2.33%
Pension Multiplier Benchmark

Pension Funds
Pension RICH

NAV*** Rs.
equity and equity related instruments of companies operating in four AUM (Rs. Million): 48,485.53
Pension R.I.C.H. Fund 15.04
important types of industries viz., Resources, Investment-realted,
Pension R.I.C.H. Fund II 15.32
Consumption-related and Human Capital leveraged industries. Allocation in
Asset Allocation
Fund
Expected return

25.00% BANKING 20.23%
OIL & GAS 14.85%
20.00% CAPITAL GOODS 9.02%
CONSUMER 8.96%
Risk 15.00% FINANCE 8.36%
AUTO 7.25%
OTHERS 6.56%
Product Pension RICH
LifeStage Pension I 5.00% METALS & MINERALS 4.96%
LifeTime Super Pension II INFRASTRUCTURE 3.35%
LifeTime Pension II II 0.00% EPC 2.99%
LifeTime Pension I 1 Year Since inception CEMENT 2.30%
PremierLife Pension II TELECOM 1.94%
LifeLink Super Pension II Pension R.I.C.H Benchmark PHARMA & HEALTHCARE 1.59%
LifeLink Pension II II MEDIA 0.41%
LifeLink Pension I REAL ESTATE 0.17%
NAV GROWTH
DATE OF INCEPTION: Mar 17, 2008 15.00 Allocation as a

14.00 % in Equity
ASSET ALLOCATION 13.00 H D F C BANK LTD. 8.23%
Indicative Portfolio Allocation Max (%) Min (%) RELIANCE INDUSTRIES LTD. 5.50%
12.00
Equity & equity related securities 100 80 BHARAT HEAVY ELECTRICALS LTD. 5.24%
11.00 I T C LTD. 4.92%
10.00
STATE BANK OF INDIA 4.18%
BENCHMARK 9.00 AXIS BANK LTD. 4.09%
BSE 200 8.00 INFOSYS TECHNOLOGIES LTD. 3.33%
7.00
6.00 LARSEN & TOUBRO LTD. 2.38%
Mar-08 Nov-08 Jun-09 Feb-10 Sep-10 OIL & NATURAL GAS CORPN. LTD. 2.23%
HINDUSTAN UNILEVER LTD. 2.06%
Pension R.I.C.H Benchmark VOLTAS LTD. 1.95%
OIL INDIA LTD. 1.79%
TATA CHEMICALS LTD. 1.78%

Pension Funds
Pension Flexi Balanced


To achieve a balance between capital appreciation and stable returns
NAV*** Rs.
by investing in a mix of equity and equity related instruments of large, AUM (Rs. Million): 2,763.16
Pension Flexi Balanced Fund 15.12
mid and small cap companies and debt and debt related instruments.
Pension Flexi Balanced Fund II 15.49
Allocation in
Asset Allocation
RISK PROFILE Fund
EQUITY 57.40%
DEBT 41.02%
Expected return

16.00% TOTAL 100.00%
12.00%
% in Equity
OIL & GAS 14.68%
10.00% BANKING 14.22%
Risk 8.00% CAPITAL GOODS 11.51%
OTHERS 11.24%
Product Pension Flexi Balanced 4.00%
LifeStage Pension I Allocation as a
2.00% Top 10 Equity Stocks
LifeTime Super Pension II % in Equity
LifeTime Pension II II 0.00% BHARAT HEAVY ELECTRICALS LTD. 7.18%
LifeTime Pension I 1 Year 3 Year Since inception OIL & NATURAL GAS CORPN. LTD. 6.37%
PremierLife Pension II RELIANCE INDUSTRIES LTD. 5.69%
LifeLink Super Pension II Pension Flexi Balanced Benchmark H D F C BANK LTD. 5.62%
LifeLink Pension II II RALLIS INDIA LTD. 5.01%
LifeLink Pension I STATE BANK OF INDIA 4.62%
NAV GROWTH
16.00 AXIS BANK LTD. 3.98%
DATE OF INCEPTION: Mar 20, 2007 N T P C LTD. 3.59%
15.00 I T C LTD. 3.39%
ASSET ALLOCATION
Indicative Portfolio Allocation Max (%) Min (%) 14.00 Debt Asset Allocation Allocation in Fund
Debt, Money Market & Cash 100 40 13.00 CORPORATE SECURITIES 11.66%
BENCHMARK 12.00 AA+ AND EQUIVALENT 1.03%
55% CNX 500 & 45% CRISIL Composite Bond Index AA EQUIVALENT AND BELOW 1.01%
11.00 CORPORATE MONEY MARKET SECURITIES 12.59%
10.00 EQUIVALENT) 12.59%
9.00 AND EQUIVALENT) 0.00%
8.00
Mar-07 Feb-08 Dec-08 Nov-09 Sep-10 Average Maturity of Debt Portfolio (Months) 44.10
Pension Flexi Balanced Benchmark Average Maturity of Benchmark (Months) 40.71

Pension Funds
Pension Flexi Growth


NAV*** Rs.
equity and equity related instruments of large, mid and small cap AUM (Rs. Million): 68,778.98
Pension Flexi Growth Fund 16.18
companies.
Pension Flexi Growth Fund II 16.64
Allocation in
Asset Allocation
RISK PROFILE Fund
EQUITY 93.44%
Expected return

25.00% OIL & GAS 16.72%
BANKING 15.03%
Risk CONSUMER 8.06%
15.00% OTHERS 8.04%
APPLICABLE PRODUCTS CAPITAL GOODS 7.52%
10.00% TECHNOLOGY 7.21%
Product Pension Flexi Growth INFRASTRUCTURE 6.60%
LifeStage Pension I 5.00% FINANCE 6.33%
LifeTime Super Pension II AUTO 4.11%
LifeTime Pension II II 0.00% CEMENT 3.05%
LifeTime Pension I 1 Year 3 Year Since inception EPC 2.81%
PremierLife Pension II PHARMA & HEALTHCARE 2.65%
TELECOM 1.80%
LifeLink Pension II II Pension Flexi Growth Benchmark
MEDIA 0.55%
LifeLink Pension I
BROKERS 0.45%
NAV GROWTH REAL ESTATE 0.08%
DATE OF INCEPTION: Mar 20, 2007
% in Equity
Indicative Portfolio Allocation Max (%) Min (%) 17.00
Equity & equity related securities 100 80 16.00 RELIANCE INDUSTRIES LTD. 4.05%
Debt, Money Market & Cash 20 0 15.00 AXIS BANK LTD. 3.88%
14.00 I T C LTD. 3.14%
BENCHMARK N T P C LTD. 2.81%
13.00
S&P CNX 500 BHARAT HEAVY ELECTRICALS LTD. 2.62%
12.00 LARSEN & TOUBRO LTD. 2.59%
10.00 STATE BANK OF INDIA 2.47%
9.00
KANSAI NEROLAC PAINTS LTD. 2.29%
8.00 INFOSYS TECHNOLOGIES LTD. 2.14%
7.00 OIL INDIA LTD. 2.04%
6.00 HOUSING DEVELOPMENT FINANCE CORPN. LTD. 1.92%
Mar-07 Feb-08 Dec-08 Nov-09 Sep-10 BHARTI AIRTEL LTD. 1.80%
Pension Flexi Growth Benchmark
SINTEX INDUSTRIES LTD. 1.54%
VOLTAS LTD. 1.48%

ULIP Funds Pension Funds
InvestShield Funds
InvestShield Cash InvestShield Life InvestShield Pension InvestShield Life - New
InvestShield Cash

The investment objective of this Plan is to provide accumulation of
NAV*** Rs.
income through investment in various fixed income securities. In AUM (Rs. Million): 5,519.63
Cash Plus Fund 15.7576
addition to protecting the capital, the Plan seeks to provide capital
Cash Plus Fund II 15.0661
appreciation while maintaining suitable balance between return,
safety and liquidity. Asset Allocation Allocation in Fund
RISK PROFILE
Expected return

9.00% CORPORATE MONEY MARKET SECURITIES 20.46%
8.00% COMMERCIAL PAPER (P1+
7.00% AND EQUIVALENT) 20.46%
6.00% CERTIFICATE OF DEPOSIT (P1+
5.00%
4.00%
OTHER CURRENT ASSETS AND
Risk 3.00%
EQUIVALENT 0.18%
2.00%
APPLICABLE PRODUCTS 1.00% TOTAL 100.00%
Product InvestShield Cash 0.00%
InvestShield Cash 3 Year 5 Year Since inception
Portfolio By Maturity Allocation in
InvestShield Cash Benchmark Fund
< 1 year 36.73%
DATE OF INCEPTION: Jan 3, 2005 Fund NAV taken on the basis of 4-jan-05 1-5 years 41.06%
Benchmark NAV taken on the basis of 4-jan-05 5-7 years 2.63%
ASSET ALLOCATION 7-10 years 6.35%
> 10 years 13.23%
Indicative Portfolio Allocation Max (%) Min (%) NAV GROWTH T O TA L 100.00%
Debt, Money Market & Cash 100 100 Average Maturity of Debt Portfolio (Months) 46.40
15.50
Average Maturity of Debt Benchmark (Months) 40.71
15.00
BENCHMARK Yield to Maturity of Debt Portfolio 7.53%
CRISIL Composite Bond Index 14.50
14.00
13.50
13.00
12.50
12.00
11.50
11.00
10.50
10.00
Jan-05 Jun-06 Nov-07 Apr-09 Sep-10
InvestShield Cash Benchmark

InvestShield Funds
InvestShield Life

To provide a balanced investment between long-term capital
NAV*** Rs.
appreciation and current income while protecting the capital. AUM (Rs. Million): 1,777.65
Invest sheild Fund - Life 18.88
Investment will be in fixed income instruments as well as equity in
appropriate proportions, depending on market conditions prevalent Allocation in
from time to time. Asset Allocation
Fund
EQUITY 27.46%
RISK PROFILE DEBT 70.35%
Expected return
TOTAL 100.00%
14.00%
Allocation as a
12.00%
% in Equity
10.00%
BANKING 21.00%
EPC 11.19%
8.00% FINANCE 11.07%
APPLICABLE PRODUCTS 4.00% Allocation as a

Product InvestShield Life % in Equity
2.00%
InvestShield Life H D F C BANK LTD. 6.18%
InvestShield Gold 0.00% LARSEN & TOUBRO LTD. 5.45%
3 Year 5 Year Since inception SKS MICROFINANCE LIMITED 5.43%
TATA GLOBAL BEVERAGES LIMITED 5.04%
DATE OF INCEPTION: Jan 3, 2005
InvestShield Life Benchmark JAIPRAKASH ASSOCIATES LTD. 4.87%
UNITECH LTD. 4.67%
ASSET ALLOCATION INFOSYS TECHNOLOGIES LTD. 4.60%
Indicative Portfolio Allocation Max (%) Min (%) NAV GROWTH BHARAT HEAVY ELECTRICALS LTD. 4.55%
Equity & equity related securities 30 0 KOTAK MAHINDRA BANK LTD. 4.55%
19.00
Debt, Money Market & Cash 100 70 RELIANCE INDUSTRIES LTD. 4.37%
18.00
BENCHMARK Debt Asset Allocation Allocation in Fund
17.00
25% BSE 100 & 75% CRISIL Composite Bond Index GOVERNMENT SECURITIES/ T BILLS 20.36%
16.00 CORPORATE SECURITIES 27.35%
15.00 AA+ AND EQUIVALENT 2.22%
14.00
13.00 COMMERCIAL PAPER (P1+
12.00 CERTIFICATE OF DEPOSIT (P1+
11.00
10.00
9.00
InvestShield Life Benchmark

InvestShield Funds
InvestShield Pension

NAV*** Rs.
appreciation and current income while protecting the capital. AUM (Rs. Million): 355.09
Invest sheild Fund - Pension 19.2
Fund
EQUITY 28.00%
Expected return
TOTAL 100.00%
14.00%
Allocation as a
12.00% Top 5 Sectors in Equity
% in Equity
10.00% BANKING 23.86%
8.00% FINANCE 11.57%
EPC 11.00%

Allocation as a
Product InvestShield Pensioin 2.00% % in Equity
InvestShield Pension H D F C BANK LTD. 6.99%
0.00% SKS MICROFINANCE LIMITED 5.45%
3 Year 5 Year Since inception LARSEN & TOUBRO LTD. 5.33%
DATE OF INCEPTION: Jan 3, 2005 InvestShield Pension Benchmark UNITECH LTD. 5.20%
ASSET ALLOCATION JAIPRAKASH ASSOCIATES LTD. 4.79%
NAV GROWTH
19.00 BHARAT HEAVY ELECTRICALS LTD. 4.28%
RELIANCE INDUSTRIES LTD. 4.27%
17.00
16.00
25% BSE 100 & 75% CRISIL Composite Bond Index GOVERNMENT SECURITIES/ T BILLS 19.80%
15.00 CORPORATE SECURITIES 25.30%
14.00
13.00 AA EQUIVALENT AND BELOW 2.54%
12.00 COMMERCIAL PAPER (P1+
11.00
10.00 AND EQUIVALENT) 0.00%
9.00
InvestShield Pension Benchmark Average Maturity of Debt Benchmark (Months) 40.71

InvestShield Funds
New InvestShield

NAV*** Rs.
appreciation and current income while protecting the capital. AUM (Rs. Million): 2,432.76
New Invest Shield Balanced Fund 16.13
Fund
EQUITY 38.17%
Expected return
TOTAL 100.00%
14.00%
Allocation as a
12.00% Top 5 Sectors in Equity
% in Equity
10.00% BANKING 23.47%
8.00% EPC 10.45%
CAPITAL GOODS 8.61%
Risk 6.00% FINANCE 8.29%
APPLICABLE PRODUCTS 4.00% Allocation as a
Product New InvestShield 2.00%
% in Equity
InvestShield Life New H D F C BANK LTD. 8.37%
0.00% HINDALCO INDUSTRIES LTD. 5.56%
1 Year 3 Year Since inception INFOSYS TECHNOLOGIES LTD. 5.56%
DATE OF INCEPTION: Aug 21, 2006 LARSEN & TOUBRO LTD. 5.31%
New InvestShield Benchmark UNITECH LTD. 5.30%
ASSET ALLOCATION ALLAHABAD BANK 5.03%
NAV GROWTH I T C LTD. 4.69%
SKS MICROFINANCE LIMITED 4.67%
Equity & equity related securities 40 0 16.00
JAIPRAKASH ASSOCIATES LTD. 4.64%
RELIANCE INDUSTRIES LTD. 4.47%
15.00

35% BSE 100 & 65% CRISIL Composite Bond Index 14.00 GOVERNMENT SECURITIES/ T BILLS 17.28%
13.00 AAA AND EQUIVALENT 17.14%
12.00 AA EQUIVALENT AND BELOW 2.62%
11.00 COMMERCIAL PAPER (P1+ AND
EQUIVALENT) 16.65%
10.00 CERTIFICATE OF DEPOSIT (P1+ AND
Aug-06 Sep-07 Sep-08 Sep-09 Sep-10 EQUIVALENT) 0.00%
New InvestShield Benchmark FIXED DEPOSITS WITH BANKS 4.82%


Product - Fund Matrix
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Balancer IV IV II I I I I II II II III II I II II I II I I II
Protector IV IV II I I I I II II II III II I II II I II I I II
Maximiser IV II I I I II II III II I II II I II I I II
Preserver IV IV I I I I I II I I III I I I I I I I I I
Multipiler IV IV II I I I I II II II III II I II II II II II I II
RICH IV IV II I I I I II II II III II I II II I II I I II
Flexi Balanced IV IV II I I I I II II II III II I II II I II II I II
Flexi Growth IV IV II I I I I II II II III II I II II I II II I II
Pension Balancer I II II I II II II I II II
Pension Protector I II II I II II II I II II
Pension Maximiser I II II I II II II I
Pension Preserver I I I I I I I I I I
Pension Multiplier I II II I II II II I II II
Pension RICH I II II I II II II I II II
Pension Flexi Balanced I II II I II II II I II II
Pension Flexi Growth I II II I II II II I II II
InvestShield Life - New
InvestShield Life
InvestShield Cash
InvestShield Pension
I, II, III, IV refer to the fund series of the respective fund applicable to the product
The Investment Team

Advises
Overall Advice ICICI Prudential Highlights
• With volatility expected to continue in the near future, ATS may be used for any new • We are one of the market leaders in the Indian private life insurance space
investments.
• We currently have over Rs. 65,000 cr (as on September 30, 2010) in assets under
• For existing investments, determine your risk profile and optimal asset allocation if not management.
already done so. Determine the current asset allocation of your overall investment
portfolio. Make suitable adjustment to your portfolio to bring it in line with your • We are capitalized at Rs. 4,780 cr (as on September 30,2010) making us one of
optimal asset allocation. You can use Switch or ATS facilities to easily adjust your India's highest capitalized companies across sectors
asset allocation.
Investment Team
• Mr. Manish Kumar • Mr. Jitendra Arora

Senior Vice President and Vice President and
Head - Investments Fund Manager - Fixed Income
• Mr. Arun Srinivasan • Mr. Lakshmikanth Reddy

Vice President and Fund Senior Vice President and
Manager - Fixed Income Fund Manager - Head of Equity
• Ms. Meghana Baji

Vice President - Investment
and Risk Management
The 5 Mantras of
Financial Freedom Goal Based Investing
We all invest with certain goals in mind which can range

Managing one's financial investments may appear very complicated given all the confusing from buying a car, to children’s higher education, to
advice around and the jargon people often use. We will give you an overview of how we retirement. It is important to recognize these goals and
manage the complex part on the next page. Here, we discuss the critical few things you need to build a plan suitable for each. One needs to particularly
keep in mind. Think of them as your mantras of financial freedom. take note of the time horizon and level of risk one can take
for each of these goals. For instance, if next year one plans
to send his daughter to a foreign university, he cannot
take any risks and it would be best to invest in something
like a fixed deposit. Conversely with something like
retirement, this if a long time away, one must have some
Start Early, Stay Long Term exposure to equities since one can tolerate short term
volatility for better returns in the long run.
While most of us know this, few recognize the incredible
‘power of compounding' that forms the basis of this
maxim. For example, a person who invests Rs. 2 lac each Regular Investments
year for 30 years and another person who invests Rs. 3 lac
each year for 20 years would both have invested Rs. 60
This is another piece of advice that we hear very often and
lacs. However, at 10% rate of return, the first person will
which has its basis in a key concept called ‘rupee cost
end up with over Rs. 3.6 crore and the second person with averaging’. The simple fact to recognize is that no one can
not even Rs. 1.9 crore, a difference of almost 50% ! The consistently time the market. In fact we make things
messege is clear, resist the temptation to splurge today. worse by trying to time the market, because our
Go that extra mile to invest whatever you can as early as psychology is such that we generally invest more when
you can. Your Golden Years depend on it! markets are high and everybody is cheerful, and likewise
become fearful and invest less when markets are low,
whereas we should be doing the opposite! Rupee Cost Averaging implies that by sticking to a
Asset Allocation systematic plan of investing regularly, say every month or quarter, we minimize the risk of
entering the market when it is at its peak or missing our when valuations are at their most
attractive. The Automatic Transfer Strategy (ATS) is an ideal tool to ensure regular investments.
This is a key decision to be taken and is responsible
for attaining the significant returns that one gets
over a long period of time. Asset allocation basically
refers to the balance an investor maintains between Cover Your Financial Risks
his or her exposure to debt and equity instruments.
The greater a person's risk taking ability the more
investments he should assign to equity, and the We have all heard stories from friends or relatives about
higher will be the returns he will potentially make in how a sudden illness or death completely degraded the
the long-run. Risk appetite in turn depends on lifestyle of someone they knew. Some of us take the
factors like age, income, dependants, investment horizon, inherent risk appetite, etc. Based on cavalier attitude “Oh that will never happen to me”.
these parameters, an investor may calculate his optimal asset allocation using the calculator on Likewise there will be others who worry excessively and
our website. One should invest sticking closely to this asset allocation. Every quarter, asset become victims of fear keeping their savings in liquid
allocation of one's investments should be reviewed and the fund switch feature should be used assets thus foregoing higher returns. Of course, the smart
to bring asset allocation back in line with optimal asset allocation. Through this mechanism, ones insure away all their risks, and their fears. For a fee
one systematically invests more in equities when markets are low and less when markets are (premium), insurance companies can insure against
high, thus generating superior returns in the long run without worrying about things like almost all risks such as death, illness, accidental disability, even house theft or fire. It is
timing the market. important to adequately cover the financial risks and live a life free from the burden of fear or
low yielding ‘emergency funds’. For more details on how much life cover you need use the
human life value calculator on our website.
How we go about
Managing your Money
The cornerstone of our investment philosophy is the investment policy put in place by our board's investment committee keeping in mind policyholders' long-term interests and regulatory
norms. Following are some of the salient features of our investment philosophy as detailed in this charter:
Process-driven approach to investments: Superior risk adjusted returns: The investment

Every fund has a defined investment objective, policy has well defined limits on permissible risks
a benchmark suitable to the objective and pre- that can be taken even as it gives freedom to fund
decided style of investing so that fund managers to out perform the relevant benchmarks.
performance is not a function only of a specific The idea is not only to earn high returns but to do so
fund manager's skill but rather an outcome of without taking high risks. We have a qualified and
policy defined features. experienced team of fund
Policyholders in insurance managers who continuously
products commit money analyze the factors affecting
for the long-term and the market movements like
investment performance economic fundamentals,
cannot be purely subject institutional fund flows and
to a specific fund market sentiment. Their
manager's skill or constant endeavour is to
competence who may or maximize risk adjusted returns.
may not be consistent
over the long-term.
Safety is paramount: Regulatory guidelines: Life

One of our primary insurance companies in India
objectives is the safety of are regulated by Insurance
your investments and Regulatory Development
stability of returns. We Authority (IRDA), and these
ensure that our regulations focus on:
investment portfolio is (I) safety of investors' money
adequately diversified by defining a minimum
and adheres to high standards of quality. Our acceptable quality of the investment portfolio, and
investment policy does not permit us to follow (ii) transparency in terms of adequate disclosures
risky strategies, whatever be the reward, such about portfolio.
as holding poor quality credit or under
diversified portfolios, etc.
Glossary of Terms
Fund: This is a collective pool of money created from the period. Generally when reporting for a period longer Equity: Equity investment means holding shares of
individual investments such that each individual shares risks than 1 year, the return is annualized (generally using the companies, meaning that the investor is taking part
and rewards in the proportion of their contribution. Since a CAGR method) for the purpose of comparison. For example ownership of a company rather that lending to the
fund is managed as a single investment vehicle, all the if in the last 1 year, the NAV of a fund has increased from Rs. company. As a part owner of a business, the shareholder
investors will face the same risks and rewards. A 20 to Rs. 25, then absolute return (and in this case the shares all the risks and rewards of the business. Several
professional fund manager invests the fund according to annualized return as well) is (25-20)÷20=25%. If over the factors lead to appreciation in equity investments - all of
the objective of the fund defined in the offer document or last 2 years, the NAV has grown from Rs. 15 to Rs. 30 then which in some way relate to current and future prospects of
policy document. In case of a policyholder who pays the absolute return in 2 years is (30-15)÷15=100%; the business of the company, also called fundamentals.
premium, a predetermined part of this is used to pay for life however the annualized return, or compound annual Because of the variable nature of these factors, equity
cover and other expenses. The remaining part of the growth rate is 41.4% per annum. investments are more risky than debt investments, but have
premium is the investment which is put in the various funds historically shown signifantly better returns in the long-run
(such as Maximiser and Balancer) as per the investor’s Benchmark: Every investment has to have a yardstick to (investment horizon greater than 5 years).
instructions. The investor is free to change the allocation of evaluate whether it has met the objective of investment. A
investments at any time during the term of the policy. benchmark is a standard against which the performance of Sharpe Ratio: This is a popular measure of risk adjusted
a fund can be compared. The benchmark for each fund is returns. This is an important measure because it is
NAV: Net Asset Value of a fund on a given day is the total predetermined based on the investment objective and inaccurate to compare the returns of funds that have
closing value of the securities held in the portfolio of the target asset allocation of the fund. At a macro level, a different risk profiles or objectives. For instance, fund A may
fund divided by the number of units outstanding. When a benchmark captures the average returns of all funds which perform better than fund B but this may be because it is
person invests a sum (say Rs. 10000) in a fund on a certain have the same objective and funds that perform better than investing in small cap companies that are more risky. Sharpe
day when the NAV was Rs. 20 per unit he is assigned the benchmark can be said to be better than the average. ratio helps to compare the returns of funds taking into
10000÷20=500 units. On any given day, the investor can Benchmarks can be either those that are readily available in account the riskiness of returns, and is defined as reward of
find the value of his investment in the fund by multiplying the market or synthetically created. For example, Maximiser- investing in a risky asset per unit risk taken. More accurately,
the units he holds by the NAV of the day. So if the NAV of the a pure equity fund uses an equity benchmark the BSE 100, it is measured as:
fund has become Rs. 30 per unit, the investor can calculate where as Balancer- a fund that invests 35% in equity and
the value of his holdings as 500x30=Rs. 15000. The NAV 65% in debt uses a synthetic benchmark Sharpe Ratio = Annualized Excess Return
changes with changes in value of investments in the fund. consisting of 35% BSE 100 and 65% CRISIL composite Annualized Std Deviation of Excess Returns
bond index.
Risk: Concept of risk of an investment essentially captures Excess Return is the difference between the fund return and
the possibility of loss in that investment. Risk, in terms of Debt: Debt or fixed income as an asset class refers to the risk free rate of return. Standard Deviation is a common
portfolio management, is defined as variability of the investment in securities that have well defined pay offs, and measure of risk. So a higher Sharpe Ratio means a fund has
returns of a fund or more correctly expected variability. So if mostly pf a fixed nature or a fixed rate of return for a fixed given superior returns (over an asset that has no risk such as
fund A and fund B both given 10% annualized returns, period. Because of the fixed nature of returns debts as an a government security) for every unit of risk.
however fund A gives this same 10% consistently every year asset class is less risky than equity. All securities where the
but fund B gives 3% in one year, 12% in another year and borrower is the government are classified as government ATS: Automatic Transfer Strategy helps to mitigate any risk
so on but still averages 10% per annum in the long run, securities or gifts and have a negligible level of risk of arising from market volatility by ensuring that you buy more
then fund B is said to be more risky than fund A. Risk is default, i.e., Non-payment. Other borrowers have varying units at lesser prices and fewer units when prices are high.
generally measured as standard deviation or variance of levels of risk of default, determined by a neutral third party Under ATS you can invest your entire premium in our money
returns. For similar levels of returns a rational investor will such as CRISIL or Moody by looking at the financial strength market funds (which are more conservative funds) and at
always choose the least risky asset. of the borrower and being described in the rating of the predefined regular monthly intervals, i.e. 1st or 15th of
security where AAA is the safest followed by AA+,AA and every month, a fixed amount chosen by you is transferred to
Returns: Return is the reward one has got for taking risk so on. Among debt securities there are various types of any one of the chosen equity based fund options available
and giving time. Absolute rate of return (or simply return) in instruments viz., money market instruments, Certificate of under the plan. This facility is available for customers opting
a period is the ratio of increase (or decrease) in the NAV of Deposits, Fixed Deposits, Corporate bonds, Gifts, Loans, for Fixed Portfolio Strategy and is FREE of charge.
the fund at the end of the period over the NAV at the start of etc., which have different maturity, risk and reward profiles.
Contact Us
Choose a convenient contact option from the following
Visit our website: Exclusive SMS Helpline: Email us at: Call toll-free on:
www.iciciprulife.com SMS ‘INFO’ to 56767 lifeline@iciciprulife.com 1-800-22-2020
IN THIS POLICY, THE INVESTMENT RISK IN THE INVESTMENT PORTFOLIO IS BORNE BY THE POLICY HOLDER. This document is for information purposes only. It does not constitute any
recommendation to any person to enter into any transaction or adopt any investment strategy, nor does it constitute any prediction of likely future movements in NAVs. All opinions given here
are general in nature and clients should take into account their personal investment objectives, risk appetite and other aspects of their financial situation before making an investment decision.
Please invest or make any decision regarding your financial activities only after consulting your financial advisor. ICICI Prudential shall not be responsible for any losses caused or any claims that
arise due to investments made based on this newsletter. All fund performances published in this newsletter are based on past performance and do not imply that future performance will be
similar. Please note that the funds are invested in capital markets and are hence exposed to the market risks inherent in such investments. While every effort has been made to ensure accuracy of
the contents of this newsletter the Company cannot be held responsible for any errors, opinions or projections published herein. © 2009, ICICI Prudential Life Insurance Company Ltd. Registered
Office: ICICI Prulife Towers, 1089, Appasaheb Marathe Marg, Prabhadevi, Mumbai - 400 025. Reg. No. 105, Insurance is the subject matter of the solicitation. Unlike traditional products, Unit
linked insurance products are subject to market risk, which affect the Net Asset Values and the customer shall be responsible for his/her decision. The name of the Company, or names of the
product or fund options do not indicate their quality or future guidance on returns. Funds do not offer guaranteed or assured returns. Investments are subject to market risk. Past performance
may not be guide to future performance, which may be different. Comp/doc/2009/VR1
UIN Nos. LifeStage Regular Premium - 105L073V01, LifeStage Assure - 105L083V01, Life Time plus - 105L054V01, LifeTime Gold - 105L077V01, LifeTime Super - 105L056V01,
LifeTime II - 105L031V01, LifeTime - 105L013V01, Premier Life Gold - 105L061V01, Premier Life - 105L037V01, Wealth Advantage - 105L085V01, LifeLink Super - 105L053V01,
LifeLink II - 105L033V01, LifeLink - 105L012V01, SmartKid New Unitlinked Regular Premium - 105L058V01, SmartKid Unitlinked Regular Premium Plan II - 105L036V01,
SmartKid Unitlinked Regular Premium Plan - 105L028V01, SmartKid New UnitLinked Single Premium - 105L059V01, SmartKid Single Premium II - 105L035V01,
SmartKid Single Premium - 105L029V01, Golden Years - 105L047V01, LifeStage Pension - 105L075V01, LifeTime Super Pension - 105L055V01, LifeTime Pension II - 105L032V01,
LifeTime Pension - 105L015V01, Premierlife Pension - 105L074V01, LifeLink Super Pension - 105L057V01, LifeLink Pension II - 105L034V01, LifeLink Pension - 105L016V01,
Elite Pension - 105L094V01, LifeStage Assure Pension - 105L092V01, InvestShield Life New - 105L063V01, InvestShield Life - 105L042V01, InvestShield Cash - 105L041V01,
InvestShield Pension - 105L043V01
For more details please contact your financial advisors or log on to our website www.iciciprulife.com or email us at lifeline@iciciprulife.com

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Ensure - Oct - 2010

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The monthly fund performance update

Our Investment Philosophy

Invest for Tomorrow, insurance companies, we know that

to Make the Most of Today to protect and achieve the dreams

With this in mind, our investment

Our aim is to achieve superior returns

Invest Shield Funds

Find your Fund

The Investment Team Advises

5 Mantras of Financial Freedom

How we Manage your Money

Performance Summary Find your Fund The Investment Team Advises

5 Mantras of Financial Freedom How we Manage your Money Glossary of Terms

Annualized Returns Equity Market Debt Market

Flexi Growth 7.79% NA 15.08% 5.53% NA 14.39% N.A. N.A. 20-Mar-07

GDP Growth Rate

FUND OBJECTIVE PERFORMANCE SUMMARY PORTFOLIO

*** Last Declared NAV (September 30, 2010)

For full portfolio details please Click Here

FUND OBJECTIVE PERFORMANCE SUMMARY PORTFOLIO

AAA AND EQUIVALENT 38.44%

ASSET ALLOCATION 13.00

BENCHMARK Protector Benchmark

For full portfolio details please Click Here

FUND OBJECTIVE PERFORMANCE SUMMARY PORTFOLIO

*** Last Declared NAV (September 30, 2010)

For full portfolio details please Click Here

FUND OBJECTIVE PERFORMANCE SUMMARY PORTFOLIO

ANNUALIZED RETURNS AAA AND EQUIVALENT 7.02%

DATE OF INCEPTION: May 17, 2004 12.00

ASSET ALLOCATION 11.00

For full portfolio details please Click Here

FUND OBJECTIVE PERFORMANCE SUMMARY PORTFOLIO

*** Last Declared NAV (September 30, 2010)

For full portfolio details please Click Here

FUND OBJECTIVE PERFORMANCE SUMMARY PORTFOLIO

DEBT AND OTHER CURRENT ASSETS & EQUIVALENT 4.34%

*** Last Declared NAV (September 30, 2010)

For full portfolio details please Click Here

FUND OBJECTIVE PERFORMANCE SUMMARY PORTFOLIO

*** Last Declared NAV (September 30, 2010)

For full portfolio details please Click Here

FUND OBJECTIVE PERFORMANCE SUMMARY PORTFOLIO

DEBT AND OTHER CURRENT ASSETS & EQUIVALENT 4.66%

For full portfolio details please Click Here

FUND OBJECTIVE PERFORMANCE SUMMARY PORTFOLIO

ANNUALIZED RETURNS OTHER CURRENT ASSETS AND EQUIVALENT 3.15%

*** Last Declared NAV (September 30, 2010)

For full portfolio details please Click Here

FUND OBJECTIVE PERFORMANCE SUMMARY PORTFOLIO

CRISIL Composite Bond Index

Pension Protector Benchmark

For full portfolio details please Click Here

FUND OBJECTIVE PERFORMANCE SUMMARY PORTFOLIO

DEBT AND OTHER CURRENT ASSETS & EQUIVALENT 0.98%

For full portfolio details please Click Here

FUND OBJECTIVE PERFORMANCE SUMMARY PORTFOLIO

ANNUALIZED RETURNS AAA AND EQUIVALENT 14.71%

Money Market & Cash 100 50 13.50

Pension Preserver Benchmark

For full portfolio details please Click Here

FUND OBJECTIVE PERFORMANCE SUMMARY PORTFOLIO

DEBT AND OTHER CURRENT ASSETS & EQUIVALENT 3.96%