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Presented By Group - I

Marriage Fund: growth Fund. .It is . An open ended hybrid plan comprising of three funds Education Fund: growth Fund. An open-ended equity An open-ended equity Savings Fund: An open-ended income Fund.

a balance of risk and reward to help ride out volatility over the long term. So. a significant amount goes towards buying gold. .It is Education Fund:- . There will be no charge for such transfers. The Education Fund will normally invest 70% in equities to aim for investment growth and 30% in debt to help provide stability . 10% in debt for stability and 20% in Gold ETFs to provide protection from any rise in gold prices during the period of your investment. It will invest up to 100% in debt and money market instruments to aim for stability. if you invest in the Education Fund or Marriage Fund. Savings Fund:If you prefer to adopt a conservative approach while saving for your children s needs or if you do not have a long-term horizon. then the Savings Fund is the one for you. to gradually shift from equities closer to the time that you need your money. the Marriage Fund will normally invest 70% in equities for long-term growth. Marriage Fund:Typically in an Indian marriage. you could also set up a Systematic transfer Plan (STP) to the Savings Fund. And so.

This could help generating funds in the long term to save for the cost of children s marriage. The Mutual Fund could also additionally invest in domestic Gold ETFs.Why to Invest . . Marriage Fund: Savings Fund: To seek to generate reasonable returns predominantly from a diversified portfolio of debt and money market instruments. To seek to generate long-term capital appreciation from a diversified portfolio of predominantly equity and equity related securities and to generate reasonable returns through a portfolio of debt and money market instruments to help generating funds in the long term to save for the cost of children s education. Education Fund: To seek to generate long-term capital appreciation from a diversified portfolio of predominantly equity and equity related securities and to generate reasonable returns through a portfolio of debt and money market instruments..

There is no assurance that the objective of the Funds will be realized and the Funds do not assure or guarantee any returns. .

Asset Allocation Pattern .

Asset Allocation Pattern .

Asset Allocation Pattern .

Such deviations shall normally be for a short term purpose only. .Important Notes A Fund may. Debt and Derivative positions will not exceed 100% of the net assets of a Fund. The cumulative gross exposure through Equity. for defensive considerations and the intention being at all times to protect the interests of the Unit Holders. subject to applicable regulations from time to time. invest in foreign securities up to 25% of its net assets. the AMC may invest beyond the range set out above. In the event of deviations. A Fund may invest in derivatives up to 100% of its net assets for efficient portfolio management including for the purpose of hedging and portfolio balancing and optimizing returns to the extent permitted under and in accordance with the applicable Regulation. 2007 including appointment of a dedicated fund manager for such investments. However. the AMC shall comply with the requirements specified in its circular dated September 26. in case of the Education Fund and Marriage Fund. rebalancing will normally be carried out within 30 Business Days. before commencing investments in foreign debt/fixed income securities. Due to market conditions.

debt & money market instruments .Where will the funds invest?? Education Fund ‡Predominantly in equity & equity related securities Marriage Fund Savings Fund ‡Predominantly in ‡Predominantly in equity & equity debt & money market related securities instruments ‡Portion of net assets will be invested in debt & money market instruments ‡Portion of net assets will be invested in Gold ETFs.

LIST OF SECURITIES WHERE THE FUNDS ARE LIKELY TO INVEST: Equity & Equity related securities Money market instruments Overseas mutual fund units which are permissible under the Regulations Any other domestic o international instrument as may be permitted under the Regulations Derivatives Additionally. MBS. Central Govt securities Deposits of scheduled commercial banks Corporate bonds Debt obligation of banks and financial institutions Convertible debentures Securitised debt ABS. CDO. PTCs Foreign Securities Debt/fixed income schemes launched by mutual funds registered with SEBI . Marriage Fund can make investments in Gold ETFs launched/registered in India.

. back office and accounting are in place for derivative instruments.Where will the funds invest??  Currently.  Investments in other equity derivative instruments may be done only once the Trustees are comfortable that the systems for dealing. the Funds are permitted to invest only in stock and/ or index futures .

Investments in debt and money market instruments:  The portfolio will be constructed and managed to generate returns to match the investment objective and to maintain adequate liquidity to accommodate funds movement. valuations and business expectations. .  Capital appreciation opportunities could be explored by extending credit and duration exposure. 2. Investments in equity and equity related instruments:  The Fund Manager(s) will generally aim to identify stocks which as per the Fund Manager s belief are sound. but which are mispriced.Investment Strategy 1.  The Fund Manager(s) does this by analyzing a company s business model and financial parameters.

Investment Strategy  The fund management team will take an active view of the interest rate movement based on the following parameters: 1. . Returns offered relative to alternative investment opportunities. 3. Liquidity of the security 6. Prevailing interest rate scenario 2. Any other factors considered relevant in the opinion of the fund management team. Maturity profile of the instrument 5. Quality of the security/instrument (including the financial health of the issuer) 4.

Investments in Gold ETFs:  Marriage Fund may also invest in Gold ETFs launched/registered in India to the extent permitted under the applicable laws.Investment Strategy 3. Hedging does not mean maximization of returns but only attempts to reduce systemic or market risk that may be inherent in the investment. . including the SEBI Regulations and guidelines specified by RBI.  Investments in interest rate swaps shall be done only for the purposes of hedging and shall be in terms of requirements specified by SEBI and/or RBI from time to time. Investments in derivatives:  Investment in derivatives will be made in accordance with the investment objective and the strategy of the Funds and in accordance with the applicable Regulations. 4. for efficient portfolio management including for the purpose of hedging and portfolio balancing and optimizing returns to the extent permitted under and in accordance with the applicable Regulations.

The investments of a Fund in foreign securities will be restricted to 25% of the net assets of the Fund. Investments in foreign securities:  A Fund may also invest in foreign securities for diversification as permitted under the applicable laws.Investment Strategy 5. including the SEBI Regulations. .

credit cards and other retail loans etc. the investments in such instruments will be evaluated on a case by case basis. Mortgage pools.  .Investment Strategy 6. As and when new asset classes of securitised debt are introduced. The internal credit research team is integrated with Fidelity s global research team and regular interaction with the global team enables them to get timely updates on various developments on fixed income markets including securitisation. prevailing rating and financial statements. The credit research team awards an internal rating for various issuers based on the independent research and by following Fidelity s internal credit process taking into account issuer s/ originator s historical track record.     Investments in securitised debt: The various asset classes which are generally available for securitisation in India are: Commercial Vehicles. Personal loan. Construction equipments. Auto and two wheeler pools.

Liquidity Risk:  Due to illiquid nature of the secondary market. investors face the loss. 2. Bankruptcy Risk 5. 3. Risk of Co-mingling: Payments from obligors are pooled into a single collection account. Instruments may trade at a discount due to change in interest rate structure. Limited Recourse and Credit Risk 4. . If not paid timely. Risk due to prepayment:  Investors may be exposed to changes in tenor and yield.Risks & Risk Mitigation  Risks associated with investments in securitised debt: 1.

track the return of short-term funds based on their asset allocation pattern on a rolling three-month average .CRISIL ST Bond Fund index CRISIL ST Bond Fund index Savings Fund BSE 200 is a broad based index CRISIL Short-Term Bond Fund Index .BSE 200 index. 20% .Benchmark Fund Education Fund Marriage Fund Benchmark 70% .CRISIL ST Bond Fund index 70% .BSE 200 index and 30% .Gold Prices and 10% .

25% FICP .Performance Analysis Education Fund Absolute Returns Fidelity India Children s Plan .Education Fund Benchmark (70% .Education Fund 4.00% 5.CRISIL ST Bond Fund index) 4. 10 per unit.97% Returns as on April 29.BSE 200 and 30% .00% 2.00% 1.60% .00% 3.00% 0. 2011) 3.00% 5. 6. 2011 ( Since inception Feb 7.00% FY 2010-11 Crisil Education Option Index 2.21% Absolute Returns Returns calculated on the face value of Rs.

2011) 4.19% 5.00% FY 2010-11 3. 20% .Performance Analysis Marriage Fund Absolute Returns Fidelity India Children s Plan Marriage Fund Benchmark (70% .Marriage Fund Crisil Marriage Option Index .00% 3.CRISIL ST Bond Fund index) 6.00% 2.00% 6. 2011 ( Since inception Feb 7.79% Absolute Returns Returns calculated on the face value of Rs.00% 1.00% 5.82% FICP .00% 0.BSE 200. 7.00% 4. 10 per unit.Gold Prices and 30% .72% Returns as on April 29.

20% 0.60% 0.20% 1.60% Returns calculated on the face value of Rs. 10 per unit.40% 1.CRISIL ST Bond Fund index) 1.Performance Analysis Savings Fund Absolute Returns Fidelity India Children s Plan Savings Fund Benchmark (70% .BSE 200.00% 1.00% 0.Gold Prices and 30% .80% 0.35% 1. 2011) 1.89% Returns as on April 29.40% 0. 1. 20% .11% FICP . 2011 ( Since inception Feb 7.47% Absolute Returns 1.Savings Fund Crisil ST Bond Fund Index FY 2010-11 .

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The Sponsor is the Settler of the Mutual Fund Trust.000 to the Trustee as the initial contribution towards the corpus of the Mutual Fund. FIA is registered with the following financial services regulators ‡ The Securities Exchange Commission in US ‡ Securities and Futures Commission in Hong Kong ‡ The Financial Services Agency in Japan. a company established in Bermuda . The Sponsor has entrusted a sum of Rs. FIA is a wholly owned subsidiary of FIL Limited. 2004 in accordance with the provisions of the Indian Trusts Act.1. FIA is a company incorporated in Bermuda in 1983. The Mutual Fund was registered with SEBI on February 17. 1882 (2 of 1882) with FIA as the Sponsor and FIL Trustee Company Private Limited as the Trust.00. SPONSOR Fidelity Mutual Fund is sponsored by FIA.I. CONSTITUTION OF THE MUTUAL FUND Fidelity Mutual Fund has been constituted as a trust in terms of the Trust Deed dated August 09. 2005.

4.    2.  Etc.000 per annum per Scheme.500. R.  The Compliance Officer reports directly to the board of directors of the Trustee Company to carry out the supervisory role on behalf of the Trustees. Trustee Supervisory role. Trustee Fees and Expenses  The fee charged for each equity scheme will be 0. S. Ramamoorthy Rights and obligations of the Trustee. 1. Alasdair Boulding Justice (retired) S. 3.001% per annum of the average daily net assets of the respective Scheme or Rs.025%per annum of the average daily net assets of the respective Scheme and the fee charged for each debt scheme will be 0. Sodhi Mr. The Trustee Company has exclusive ownership of the assets of the Schemes of the Fund ( Trust Property ) and holds the same in trust and for the benefit of the Unit Holders. whichever is lower. K. 1.  .FINANCIALS: (amount in US $) THE TRUSTEE: Details of Trustee Directors: Mr.

FIL Fund Management Private Limited has been appointed as the AMC of Fidelity Mutual Fund by the Trustee Company vide the Investment Management Agreement dated August 09. etc SHAREHOLDING PATTERN OF THE AMC .Fund Manager.ASSET MANAGEMENT COMPANY  FIL Fund Management Private Limited is a private limited company incorporated under the Companies Act. 2004.Managing Director and Country Head  Alexander Treves .Head of Investments  Sandeep Kothari . 2004 and executed between the Trustee Company and the AMC. INFORMATION ON KEY PERSONNEL  Ashu Suyash . 1956 on July 02.

computer Age Management Services Private Limited ("CAMS ) (c) Statutory Auditor . (d) Fund Accountant . Chartered Accountants. (b) Registrar and Transfer Agent . address. all investors (resident and non-resident) are required to provide the Permanent Account Number ( PAN ).JP Morgan Chase Bank. HOW TO APPLY    Applications filled up and duly signed by all joint investors should be submitted along with the cheque / draft. II.JP Morgan Chase Bank. dispatch of Redemption proceeds within 10 Business Days of accepting the Redemption request.SERVICE PROVIDERS (a) Custodian . account type and number as per SEBI requirements. RIGHTS OF THE UNITHOLDERS OF A SCHEME   . branch. proportionate right in the beneficial ownership of the assets.  III. It is mandatory for every applicant to provide the name of the bank.Price Waterhouse. all investors other than KYC compliant investors are required to follow the new KYC compliance procedure.

INVESTMENT VALUATION NORMS FOR SECURITIES 1. IV. Valuation of securities with Put / Call Options: 5.up that Scheme. Traded Securities 2. 75% of the Unit Holders of a Scheme can pass a resolution to wind. . Thinly Traded Securities / Non-Traded Securities / Unlisted Equity Securities 3. Government securities 6.  appointment of the AMC for the Mutual Fund can be terminated by majority of the directors. TAX AND LEGAL AND GENERAL INFORMATION  TAXATION ON INVESTING IN MUTUAL FUNDS under this head information is provided for general information purposes only and applies to the scheme. Thinly Traded / Non-Traded debt securities 4. The non-convertible and convertible V.

and a passion for investing The Fidelity Way . We believe it s what lies beneath our size and stature that makes for true leadership. Each stock. And now. We believe our customers can benefit from decisions based on fact. we hope the three funds in the Fidelity India Children s Plan can help you to plan and better your family s future.Why Fidelity In the investment world. . every security is picked bottom-up purely for its core strength and selection is based on first-hand. An absolute dedication to building our customers wealth over the long term. Fidelity has become synonymous with family. not fashion. one name stands out Fidelity. through market ups and downs. For millions of people around the world. in-depth research. The reason for this is straightforward.

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