VIS – Asset Allocation by izj82566

VIEWS: 0 PAGES: 4

									                                           UTI Mutual Fund Schemes through select Post Offices


             1. UTI Balanced Fund

      Investment Objective: an open-ended balanced fund investing between 40% to 60% in equity/equity related securities
      and the balance in debt (fixed income securities) with a view to generate regular income together with capital
      appreciation.

      Minimum Investment Amount
      Growth Option: Rs 1000/-
      Income Option: Rs 5000/-

      Scheme Feature: This is a balanced fund, with an ideal mix of debt and equity. The asset allocation in the fund is
      designed keeping in mind the necessity of providing consistent returns and maintaining a balance between debt and
      equity, with occasional alterations. The fund follows an balanced and disciplined approach to asset allocation at the
      macro level and specific investments at the micro level with long term horizon.


             2. UTI Dynamic Equity Fund

      Investment Objective: An open-ended fund which aims to generate capital appreciation by primarily investing in
      equity / equity related instruments. As a defesive strategy arising out of market conditions the scheme may also invest
      in debt/money market instruments.

      Minimum Investment Amount: Rs. 5,000/-

      Scheme Feature: UTI Dynamic Equity Fund is positioned to invest primarily in Small Cap/Mid Cap stocks with good
      growth potential. As the intention of investing in Mid Cap/Small Cap stocks is to achieve high risk adjusted returns, the
      returns of the scheme can be highly volatile at times. The scheme is suitable for investors seeking high returns and who
      are willing to take commensurate risks. As a defensive strategy arising out of market conditions, the scheme may also
      invest in debt/money market instruments in higher proportions, till such time new opportunities in equity markets are
      spotted.


             3. UTI Growth and Value Fund

      Investment Objective: To seek capital appreciation through opportunities arising out of listed growth and undervalued
      stocks.

      Minimum Investment Amount: Rs. 5,000/-

      Scheme Feature: UTI Growth & Value Fund is positioned as a diversified equity fund with a perfect balance between
      Growth stocks and Mid Cap stocks in the ratio of 70:30. The Growth stocks could be Large Cap stocks which will be
      actively managed to exploit market volatility and to periodically book profits. The Mid Cap stocks segment of the fund
      will invest in those stocks which are undervalued/out of favour stocks and which have the capability to become a Large
      Cap stock in the future.


             4. UTI Mastervalue Fund

      Investment Objective: An open-ended equity fund investing in stocks which are currently under valued to their future
      earning potential and carry medium risk profile to provide 'Capital Appreciation'.

      Minimum Investment Amount: Rs. 5,000/-

      Scheme Feature: Master Value Fund is positioned as a pure value fund with clearly defined investment criteria for
      investing in Value stocks. The fund invests in stocks that are relatively undervalued to their intrinsic value and which
      will create wealth for the various stakeholders in the medium to long term. Investment tools like low P/E, low P/Book
D:\Docstoc\Working\pdf\296cc75b-7284-46c3-81ae-6af8ff11d883.docCreated on 5/20/2005 10:24:00 AM                        -1-
      Value and positive EVA (Economic Value Added) will be used to identify the stocks. The fund is committed to
      booking profits periodically in order to retain the value orientation of the portfolio.


             5. UTI Equity Tax Savings Plan

      Investment Objective: An open-ended equity fund investing a minimum of 80% in equity and equity related
      instruments. It aims at enabling members to avail tax rebate under Section 80C of the IT Act and provide them with the
      benefits of growth.

      Minimum Investment Amount: Rs. 500/-

      Scheme Feature: UTI-ETSP is positioned to invest in leading companies across sectors, with an aim to provide
      superior risk adjusted return i.e. return with relatively lesser volatility. The Fund would invest with a long-term
      perspective, in companies, that are believed to have growth potential.


             6. UTI Pharma and Healthcare Fund

      Investment Objective: An open-ended fund which exclusively invests in the equities of the Pharma & Healthcare
      sector companies.This fund is one of the growth sector funds aiming to invest in companies engaged in business of
      manufacturing and marketing of bulk drug, formulations and healthcare products and services.

      Minimum Investment Amount: Rs. 5,000/-

      Scheme Feature: It is positioned as a fund capitalising on opportunities emerging in pharmaceutical sector. Within the
      pharmaceutical sector,this fund could have companies which are large or small and Indian or MNC pharma companies.
      As the benchmark index is skewed in favour of few stocks, the fund could have substantial deviations from the
      respective weightages in the benchmark index so as to achieve diversification within the sector. The weightages of
      above sub-segments will vary depending on valuations and expected growth potential.


             7. UTI Basic Industries Fund

      Investment Objective: An open-ended equity fund with the objective to provide Capital appreciation through
      investing in the stocks of the companies engaged in the sectors like Metals, Building materials, oil and gas, power,
      chemicals, engineering etc. The fund will invest in the stocks of the companies which form part of Basic Industries.

      Minimum Investment Amount: Rs. 5,000/-

      Scheme Feature: UTI Basic Industries Fund is positioned to follow a top down approach keeping in mind the
      economic scenario. The fund’s endeavour is to pick sectors, which are expected to perform better and select
      fundamentally strong companies in those sectors. The scheme’s performance is highly linked with the overall
      economic growth of the country as the sectors in which the scheme invests are directly linked to the GDP growth of
      India.


             8. UTI India Advantage Equity Fund

      Investment Objective: Capital appreciation by investing in listed companies that are / have potential to emerge as
      global players in their respective sectors.

      Minimum Investment Amount: Rs. 5,000/-

      Scheme Feature: UTI India Advantage Equity Fund is positioned to capture maximum value arising from the
      competitive advantages that India possesses, by investing in companies that have a high export potential. It will invest
      in select ‘growth’ companies that are or have potential to become global players. The scheme might have a skewed
      exposure to certain sectors.


D:\Docstoc\Working\pdf\296cc75b-7284-46c3-81ae-6af8ff11d883.docCreated on 5/20/2005 10:24:00 AM                       -2-
             9. UTI Mastershare Unit Scheme

      Investment Objective: An Open-end equity fund aiming to provide benefit of capital appreciation and income
      distribution through investment in equity.


      Minimum Investment Amount: Rs. 5,000/-

      Scheme Feature: UTI Mastershare is positioned as a highly diversified equity fund aiming to provide a relatively
      stable and sustainable performance. The fund portfolio will always stick to its theme of discipline, diligence and
      dividend. This fund intends to maintain a conservative portfolio, with a disciplined investment strategy of investing
      only in fundamentally strong companies. The fund seeks to pursue the policy of distributing dividend on an annual
      basis.

      -----------------------------------------------------------------------------------------------------------------------

             10. UTI MIS Advantage Plan

      Investment Objective: Endeavours to make periodic income distribution to unitholders through investments in fixed
      income securities and equity & equity related instruments.

      Minimum Investment Amount
      Monthly Dividend/Monthly Payment Plan-Rs.25,000/-
      Flexi Dividends/Growth Plan-Rs.5000/-

      Scheme Feature: The UTI MIS-Advantage (with no assurance of monthly dividend) is positioned as a hybrid fund
      aiming to generate regular income with a higher allocation to equities than the existing UTI MIS.


             11. UTI Retirement Benefit Pension Fund

      Investment Objective: An open-ended balanced fund with a maximum equity allocation of 40% and the balance in
      debt. This ensures to provide pension to investors particularly self-employed persons after they attain the age of 58
      years, in the form of periodical cash flow upto the extent of repurchase value of their holding through systematic
      withdrawal plan. It aims at enabling members to avail tax rebate under Section 80C of the IT Act and provide them
      with the benefits of growth.

      Minimum Investment Amount: Rs. 500/- (Subject to attaining a minimum investment of Rs. 10,000/- by the age of
      52 years)

      Scheme Feature: This is a balanced fund, with a conservative tilt and a long-term horizon. Equity investments are
      made using a bottom-up approach with great care taken to ensure that the companies invested in have the strengths
      required to excel in very demanding environments. The debt portfolio is designed with the objective of attaining
      absolute positive returns over a medium term horizon, and providing stability of returns to the fund.


             12. UTI Variable Income Scheme

      Investment Objective: This is an open-ended plan aiming to make income distribution periodically. The plan will, as
      part of the investment objective takes a contrarian outlook on the equities. For instance if the equity index is below
      4500 SENSEX the exposure to equity would be higher, say 80%. With the upward movement of the SENSEX say to
      4800 this exposure to equity would be scaled down to say 75% and correspondingly the exposure to debt will move up
      from 20% to 25% and so on. This would result in the plan booking profits on sale of equity with every rise in the
      SENSEX by 350 points and higher interest income on debt portfolio with increased exposure to debt.

      Minimum Investment Amount - Rs. 5,000/-
      Subsequent Investment Amount - Rs. 1,000/-



D:\Docstoc\Working\pdf\296cc75b-7284-46c3-81ae-6af8ff11d883.docCreated on 5/20/2005 10:24:00 AM                       -3-
      Scheme Feature: The Fund is positioned as a disciplined asset allocation Fund. It follows a well-defined investment
      approach for asset allocation, with a view to provide returns across market cycles for the long-term investors. The
      exposure to equity and debt is predetermined upfront at various levels of BSE Sensex.


             13. UTI Children’s Career Plan – BALANCED

      Investment Objective: An open-ended debt oriented fund with investment in Debt/G-Sec of minimum 60% and a
      maximum of 40% in Equity. Investment can be made in the name of the children upto the age of 15 years so as to
      provide them, after they attain the age of 18 years, a means to receive scholarship to meet the cost of higher education
      and/or to help them in setting up a profession, practice or business or enabling them to set up a home or finance the
      cost of other social obligation.

      Minimum Investment Amount: Rs. 1,000/-

      Scheme Feature: This is a balanced fund, with a conservative tilt and a long-term horizon. Equity investments are
      made using a bottom-up approach with great care taken to ensure that the companies invested in have the strengths
      required to excel in very demanding environments. The debt portfolio is designed with the objective of attaining
      absolute positive returns over a medium term horizon, and providing stability of returns to the fund.


             14. UTI Unit Linked Insurance Plan

      Investment Objective: An open-ended balanced fund with an objective of investing not more than 40% of the funds in
      equity and equity related instruments and balance in debt and money market instruments with low to medium risk
      profile. Investment by an individual in the scheme is eligible for exemption under section 80C of the IT Act. In
      addition the scheme also offers Life Insurance and Accident Insurance cover.


      Minimum Investment Amount
      Target amount enhanced to Rs. 5,00,000/-
      Minimum Target Amount Rs. 15,000/-

      Scheme Feature: UTI ULIP is positioned as a unique balanced fund with a long term investment objective aiming to
      deliver reasonable return in comparison with similar products, Given the long term nature of the product, emphasis will
      be on adjusting the asset allocation and the mix within an asset class depending on the prevailing market conditions.
      The fund will be ideally suited for investors looking for growth over a horizon of 10-15 years with added benefits of
      Life Insurance and Accident Cover. Tax benefits can also be used if applicable.Investment can be made for almost all
      members of a family. Short term volatility should not be a matter of concern given the long tenure and the asset
      allocation.


             15. UTI dividend Yield Fund – IPO was during 11th April – 3rd May 2005 (Scheme will reopen on
                 1st June 2005 for continuous sale and repurchase)

      Investment Objective: The investment objective of the scheme is to provide medium to long term capital gains and/or
      dividend distribution by investing predominantly in equity and equity related instruments, which offer high dividend
      yield. There can be no assurance that the investment objectives of the scheme will be realized.

      Minimum Investment Amount: Rs 5000/-. Subsequent minimum investment is Rs 1000/- and in multiples of Re 1/-
      thereafter with no upper limit.



                                                                                      -----000-----




D:\Docstoc\Working\pdf\296cc75b-7284-46c3-81ae-6af8ff11d883.docCreated on 5/20/2005 10:24:00 AM                       -4-

								
To top