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and equity related securities of the 100 largest corporates, by market capitalisation, listed in India. December 2011Asset Allocation
Top 10 Stocks
As on 29 Feb, 2012
Sr No. 1 2 3 4 5 6 7 8 9 10
Name of Instrument Reliance Industries Wipro ICICI Bank Tata Motors Kotak Mahindra Bank Bharat Petroleum Corpn. Hindustan Unilever
Net Assets (%) 7.81 6.39 5.56 5.46 5.36 4.23 3.91
Housing Development Finance Corporation 3.49 Tata Consultancy Services Maruti Suzuki India
Top 10 Sectors
Sr No. 1 2 3 4 5 6 7 8 9
Industry Banks Petroleum Products Software Auto
Net Assets (%) 15.76 12.04 11.60 10.40
Industrial Capital Goods 5.98 Finance Pharmaceuticals 5.67 4.08
Consumer Non Durables 3.91 Cement 3.51
DSP-BR Top 100 Equity - RP (G)
HDFC Top 200 Fund (G)
Fund Class Fund Type Ranking Scheme Asset Rs in cr Inception Date Last Dividend Rs/Units Benchmark Minimum Investment Rs AMC/Fund Family AMC Asset Rs in cr
Large Cap Open-Ended Rank 3 2,879.59 Dec-30-2011 Feb 21, 2003 N.A. BSE 100 Rs.5000 DSP BlackRock Investment Managers Limited 30,564.90 Dec-31-2011 >More Scheme Info
Large Cap Open-Ended Rank 3 10,537.06 Dec-30-2011 Aug 19, 1996 2.500 BSE 200 Rs.5000 HDFC Asset Management Co. Ltd. 88,628.03 Dec-31-2011 >More Scheme Info
NAV Details Latest NAV Rs/Units 52 week high 52 week low Performance Returns as on Mar 20, 12 * Returns over 1 year are Annualised 3 Months 6 Months 1 Year 2 Years 3 Years 5 Years 14.1% 4.3% 3.5% 4.6% 25.4% 12.7% >Detailed Performance Portfolio 15.8% 2.8% 0.1% 5.1% 31.0% 14.3% >Detailed Performance 99.126
Feb 21, 12
Apr 25, 11
Dec 19, 11
Dec 19, 11
Top 5 holdings Weightage to top 5 holdings Top 3 Sectors Weightage to top 3 sectors
Reliance, Wipro, ICICI Bank, Tata Motors, Kotak Mahindra 30.58% Banking/Finance, Oil & Gas, Technology 46.81% >Full Portfolio
SBI, ICICI Bank, Infosys, ITC, Tata Motors (D) 28.74% Banking/Finance, Technology, Oil & Gas 43.75% >Full Portfolio
Management & Fees Fund Manager Entry Load Exit Load Load comment Apoorva Shah 0% 1.00% Exit Load 1% if redeemed within 12 months from the date of allotment. Prashant Jain 0% 1.00% Exit Load 1% if units are redeemed / switched-out within 1 year from the date of
Tools & Resources
o o o o
SIP/STP/SWP Calculators Power of Compounding Calculator Goal Calculator Risk Profiler
Toll Free No. : 1800-300-11111 Tel No. : 022 30301111 Email : customer_care@ reliancemutual.com
Systematic Investment Plan Reliance Systematic Investment PlanInvest as little as Rs. 100 per month. Welcome to Reliance Mutual Fund Just as drops of water make an ocean, small but regular investments can go a long way in building wealth over time. This way you grow step by step. It's always prudent to invest with a long term horizon in mind. Small but regular investments go a long way in creating wealth over time. Reliance Systematic Investment Plan (SIP) helps you achieve just that. It is an investment technique where you deposit as little as Rs. 100 regularly every month into the mutual fund scheme at the then prevailing NAV (Net Asset Value), subject to applicable load. No need to time the marketsImagine, if you could always pick the right time to buy and sell. However, timing the market is a time-consuming and risky task. Through disciplined, regular investments you can stop worrying about when and how much to invest. In short, it eliminates the need to actively track the markets. Lower cost per unitSince your investments are spread regularly over a period of time, buying fewer units during rising markets and buying more units during falling markets reduces the average cost per unit of your investments - this concept is known as Rupee Cost Averaging. Illustration - Rupee Cost AveragingSay you have opted for Reliance Systematic Investment Plan, investing Rs. 1000 every month from March 2009 to Feb 2010 in a diversified equity fund. Now check the average purchase cost per unit of your investments. It would be lower than the average NAV of your investment over 12 months.
Date 2/03/09 13/04/09 11/05/09 10/06/09 10/07/09 10/08/09 10/09/09 12/10/09 10/11/09 10/12/09 11/01/10 10/02/10 Total
NAV (Rs.) 190.47 233.32 252.50 339.27 307.21 343.02 375.56 392.46 392.76 416.48 439.79 412.21 4095.04
Units 5.25 4.29 3.96 2.95 3.26 2.92 2.66 2.55 2.55 2.40 2.27 2.43 37.47
Amount (Rs.) 1000.00 1000.00 1000.00 1000.00 1000.00 1000.00 1000.00 1000.00 1000.00 1000.00 1000.00 1000.00 12000.00
Average Cost = Total Cash Outflow / Total Number of units = Rs. 12000/ 37.47 = Rs. 320.24 Average Price = sum of all NAVs at which you have invested/Number of months of investment = Rs. 4095.04/12 = Rs. 341.25 Average Cost < Average Price Note: The above table considers the actual NAV of Reliance Growth Fund to explain the concept of Rupee Cost Averaging. The NAV do not in any manner indicate the future NAVs of the any of the schemes of Reliance Mutual Fund Past performance may or may not be sustained in future. Achieve your financial goals Reliance Systematic Investment Plan is an effective tool for financial planning. Be it your child’s education, marriage or buying a home. With Reliance SIP, you can choose a pertinent regime and achieve your goals, systematically. To see how you can achieve your goals see the Reliance Vision Fund
and Reliance Growth Fund table along side.
SIP Return (Vision Fund) as on Dec 31, 2010 Period SIP Start Date Current NAV (As on 31/12/2010) Total No. of units accumulated Total Amount Invested in Rs. Market Value if invested in Scheme in Rs. Market Value if invested in Benchmark in Rs. Return on SIP in Scheme Return on SIP in Benchmark (BSE 100) 1 Year 40179 290.35 45.00 12000 13066.80 13289.05 3 Year 39448 290.35 178.30 36000 5 Year 38718 290.35 317.27 60000 Since inception 34980 290.35 7283.50 183000 2114776.37 785736.71
51770.23 92120.58 50593.02 89346.01
0.1769097 0.254797 0.1733017 0.28292833 0.21 0.24 0.16 0.17
Past performance may or may not be sustained in future.
SIP Return (Growth Fund) as on Dec 31, 2010 Period SIP Start Date Current NAV (As on 31/12/2010) Total No. of units accumulated Total Amount Invested in Rs. Market Value if invested in Scheme in Rs. Market Value if invested in Benchmark in Rs. Return on SIP in Scheme Return on SIP in Benchmark (BSE 100) 1 Year 40179 500.78 25.74 12000 12889.30 13289.05 3 Year 39448 500.78 107.79 36000 5 Year 38718 500.78 201.66 60000 Since inception 34980 500.78 6216.46 183000
53981.16 100989.20 3113092.24 50593.02 89346.01 785736.71 0.325758773 0.17
0.1468504 0.286157 0.211361 0.21 0.24 0.16
July 23, 2011: Unit holders of Reliance Growth can hold their units despite its slowing performance in recent times. Although the fund has had a good performance for the past 15 years, its ability to outpace its benchmark by a significant margin — a feat it achieved before the 2008 slowdown — has come down in recent years. During a five and three-year period, the fund has clocked a compounded annualised return of 17.9 per cent and 15.8 per cent respectively and outpaced its benchmark BSE-100 by five and two percentage points. However, over a three-year period the fund underperformed its peers such as IDFC Premier Equity and HDFC Equity by more than eight percentage points. During that period, its mediocre performance placed the fund in the bottom quartile in its category. Although the fund contained losses during market declines in 2008, its cautious approach of holding cash for too much time let down performance since the pick-up in 2009. The current portfolio is overweight on less-favoured sectors such as banks and software and underweight on sectors that have seen a sharp run-up in valuations. The current portfolio holds promise for some improvement in performance.
Suitability: Reliance Growth invests 60-70 per cent of its assets in stocks with market capitalisation over Rs 7500 crore. To this extent, investors cannot look for a clear mid-cap focus in this fund. Therefore, investors willing to hold a portfolio with one- third of the assets in midcap stocks with expectations of returns better than the large cap index BSE 100 can stay invested in the fund. However, investor looking for fresh exposures currently can consider HDFC Equity or IDFC Premier Equity ahead of this fund. Performance: The fund's huge asset base may limit the fund from adopting an aggressive mid-cap strategy. It may not therefore be able to mimic its earlier performance of outpacing the benchmark by a wider margin. With markets being in a volatile phase and driven by a select few sectors, funds that have lower exposure to such sectors will underperform in the market. Reliance Growth appears to be experiencing such a phase; which could beone of the reasons for its one-year return of minus 2.5 per cent, trailing its benchmark by 4.5 percentage points. However, the buy-and-hold strategy adopted by the fund may help in the long run, despite shortterm underperformance in some of the sectors in hold. Investors may watch its performance over the next 3-4 quarters for any improvement. Portfolio Overview: In June 2011, the top three sectors — banks, pharma and software — accounted for 35 per cent of the portfolio. Eighty-five per cent of the fund's assets are concentrated in 37 stocks and average market capitalisation of the fund is Rs 16,517 crore. During the past two years, the top performing sector, consumer non-durables, did not receive very high weight; this could partly explain the underperformance of the fund. Reliance Growth is managed by Mr Sunil Singhania.