January - Tata AIA Life Insurance

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Tata AIG Apex Pension ReturnLock-in-Fund II (20 Year term)FundAssure, Investment Report, January 2011Fund DetailsInvestment Objective : The investment objective for Apex Pension 20Return Lock-in Fund– II is to use the participation in an actively managed welldiversified equity portfolio of large cap companies to generate capitalappreciation and use high credit quality debt instruments to lock-in that capitalappreciation.Fund ManagerNAV as on 31 Jan, 11 : `9.54The Highest Nav recordedon reset date is : `10.55Benchmark :Corpus as on 31 Jan, 11: Mr. Saravana Kumar: `0.22 Crs.Debt Investment StyleCredit QualityPortfolioInstrument Industry % of NAVEquity 77.59Infosys Technologies Ltd IT - Software 6.94Reliance Industries Ltd Refineries 5.53ICICI Bank Ltd Banks 4.32HDFC Bank Banks 4.10ITC Ltd Tobacco Products 3.98Bharat Heavy Electricals Ltd Capital Goods -Electrical Equipment 2.96State Bank Of India Banks 2.94Instrument Industry % of NAVLarsen And Toubro Ltd Capital Goods-Non Electrical Equipment 2.92Asian Paints (India) Ltd Paints/Varnish 2.53Tata Steel Ltd Steel 2.28Other Equity 39.07Government Securities 10.898.28% GOI 2032 Sovereign 10.89Cash Bank & Others 11.53Total 100.00High Mid LowEquity Investment StyleInvestment StyleInterest RateSensitivityHighMidLowValue Blend Growth SizeLargeMidSmallThe fund would be predominantly invested in equity at inception, wherein the dynamic asset allocation mechanism allocates the portfolio between equity anddebt. This dynamic asset allocation is based on the performance of equity markets and movements in interest rates. The equity allocation may be reallocated todebt if the equity markets or interest rates fall , to safeguard the guarantee. Over time, the asset mix will predominantly shift to debt to protect the guarantee. Thisdynamic asset allocation process will drive the returns generated by the Apex Return Lock-in Fund.As the fund would be invested in equity and debt at varioustimes during the tenure of the policy, its performance could be looked at vis a vis the performance of a balanced fund (invested in both debt and equity). Thedynamic asset allocation shifts the allocation of the fund from an equity bias to a debt bias,overtime. This would mean that the Guaranteed NAV would not mimicthe highest level of the equity market ,over the period the guarantee is applicable.Any unexpected and sharp falls in equity market and/ or interest rates, duringthe period the guarantee is applicable, may trigger the allocation to completely move towards debt, to protect the highest NAV achieved prior to the fall. Overall, itis an ideal fund for an investor who wants to take advantage of high returns in a positive market scenario while safe-guarding the investment during any downturn.Sector AllocationBanksSoftware IT -RefineriesAutomobileTobacco Products6.35%4.85%3.98%11.40%14.83%Asset Allocation11.53%10.89%77.59%EquityGovernment SecuritiesCash, Bank & OthersSteel3.74%Power Generation & Distribution3.49%Electrical Capital Equipment Goods -2.96%Non Electrical Capital Equipment Goods-2.92%FMCG2.87%Others20.19%Government Securities10.89%Cash Bank & Others11.53%0.00% 5.00% 10.00% 15.00% 20.00% 25.00%Equity FundsDebt FundsHybrid Funds
Fund PerformanceFundAssure, Investment Report, January 2011Balanced FundGrowth FundNav as on 31 Jan 2011: `20.42Nav as on 31 Jan 2011: `24.99PERIOD DATE NAVNAVChangePERIOD DATE NAVNAVChangeLast 1 Month 31-Dec-10 21.48 -4.94%Last 3 Months 29-Oct-10 21.29 -4.06%Last 6 Months 30-Jul-10 20.22 0.99%Last 1 Year 29-Jan-10 18.99 7.52%Last 3 Years 31-Jan-08 19.69 1.23%Since Inception 02-Mar-04 10.00 10.87%Note : The investment income and prices may go down as well as up. “Since Inception” and "3-years" periodreturns are calculated as per CAGR.Last 1 Month 31-Dec-10 26.92 -7.14%Last 3 Months 29-Oct-10 26.65 -6.20%Last 6 Months 30-Jul-10 24.84 0.62%Last 1 Year 29-Jan-10 22.90 9.17%Last 3 Years 31-Jan-08 25.75 -0.98%Since Inception 02-Mar-04 10.00 14.15%Note : The investment income and prices may go down as well as up. “Since Inception” and "3-years" periodreturns are calculated as per CAGR.Tax BenefitPremiums paid under this plan are eligible for tax benefits under Section 80C of the Income Tax Act, 1961. Also any sumreceived under this plan is exempt from tax under Section 10(10D) of the Income Tax Act, 1961 and are subject toamendments made therein from time to time.Equity FundsDebt FundsHybrid Funds
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Market Outlook - DebtFundAssure, In
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FundAssure, Investment Report, Janu
Page 7 and 8: Whole Life Mid-Cap Equity FundFundA
Page 9 and 10: Future Equity Pension FundFundAssur
Page 11 and 12: Future Select Equity FundFundAssure
Page 13 and 14: Tata AIG Top 200FundAssure, Investm
Page 15 and 16: Super Select Equity FundFundAssure,
Page 17 and 18: FundAssure, Investment Report, Janu
Page 19 and 20: Life Income FundFundAssure, Investm
Page 21 and 22: Whole Life Short Term Fixed Income
Page 23 and 24: Future Income Pension FundFundAssur
Page 25 and 26: Tata AIG Apex Investment FundFundAs
Page 27 and 28: Apex Pension InvestmentFund (15 yrs
Page 29 and 30: Apex Pension Investment Fund SPFund
Page 31 and 32: Discontinuance Policy FundFundAssur
Page 33 and 34: Life Aggressive Growth FundFundAssu
Page 35 and 36: Whole Life Aggressive Growth FundFu
Page 37 and 38: Growth Maximiser FundFundAssure, In
Page 39 and 40: Life Capital Guarantee FundFundAssu
Page 41 and 42: Future Growth Pension FundFundAssur
Page 43 and 44: 110% Capital Guarantee FundFundAssu
Page 45 and 46: Tata AIG Stable Flexi FundFundAssur
Page 47 and 48: Tata AIG Apex Return Lock-in-Fund I
Page 49 and 50: Tata AIG Apex Plus Return Lock-in-F
Page 51 and 52: Tata AIG Apex Pension ReturnLock-in
Page 57: Tata AIG Apex Pension ReturnLock-in
Page 61 and 62: Product & Fund MatrixFundAssure, In
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January - Tata AIA Life Insurance

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