Star Union Dai-ichi Life Insurance Co. Ltd. ULIP Investment Details As at October 31 st, 2010
NAV as at October 31 st, 2010 Scheme NAV (in Rs.) @Individual @@Pension - Equity - Growth - Balanced - Bond - Equity - Growth - Balanced - Bond @ For Dhan Suraksha, Dhan Suraksha Premium, Prabhat Tara Products @@ For Dhruv Tara Products 21.57 19.00 14.11 10.95 18.07 16.00 13.31 10.94
NAV as at October 31 st, 2010 Scheme NAV (in Rs.) $Individual Apex $$Pension Apex - Equity - Growth - Balanced - Bond - Equity - Growth - Balanced - Bond 11.71 11.33 11.15 10.42 11.62 11.23 10.97 10.42 $ For New Dhan Suraksha, New Dhan Suraksha Premium, New Prabhat Tara, Dhan Suraksha 3, Dhan Suraksha Premium 3 Products. $$ For New Dhruv Tara Products
Fund Performance as at October 31 st, 2010 S No Scheme NAV NAV RETURNS (%) (in Rs.) YTD ( from Apr 01, 10) 12 M Since Inception (Feb.10, 2009) 1 Individual Life - Equity 21.57 14.97% 24.27% 115.66% 2 Individual Life - Growth 19.00 12.04% 20.16% 89.97% 3 Individual Life - Balanced 14.11 6.68% 12.15% 41.13% 4 Individual Life Bond 10.95 3.09% 6.20% 9.54% 5 Individual Pension - Equity @ 18.07 14.52% 24.03% 80.67% 6 Individual Pension - Growth @ 16.00 10.87% 18.27% 59.99% 7 Individual Pension - Balanced @ 13.31 6.66% 11.62% 33.09% 8 Individual Pension - Bond @ 10.94 3.60% 6.57% 9.36% @ inception date is March 31, 2009
Fund Performance as at October 31 st, 2010 S No Scheme NAV NAV RETURNS (%) (in Rs.) YTD ( from Apr 01, 10) 12 M Since Inception (Jan.21, 2010)) 9 Individual Apex - Equity 11.71 16.78% 10 Individual Apex - Growth 11.33 13.37% 11 Individual Apex - Balanced 11.15 10.59% 12 Individual Apex - Bond 10.42 3.48% 13 Individual Pension Apex - Equity 11.62 15.96% 14 Individual Pension Apex - Growth 11.23 12.26% 15 Individual Pension Apex - Balanced 10.97 9.44% 16 Individual Pension Apex - Bond 10.42 3.42% NA NA NA NA NA NA NA NA 17.74% 13.92% 11.81% 4.16% 16.86% 12.95% 10.30% 4.23%
Asset Allocation Individual - Equity Equity 80% - 100% 97% Money Market/Cash 0% - 20% 3% Individual - Growth Equity 40% - 100% 71% Debt/MM/Cash 0% - 60% 29% Individual - Balanced Equity 0% - 60% 30% Debt/MM/Cash 40% - 100% 70% Individual - Bond Debt 80% - 100% 98% Money Market/Cash 0% - 20% 2% Pension - Equity Equity 80% - 100% 98% Money Market/Cash 0% - 20% 2% Pension - Growth Equity 40% - 100% 70% Debt/MM/Cash 0% - 60% 30% Pension- Balanced Equity 0% - 60% 29% Debt/MM/Cash 40% - 100% 71% Pension- Bond Debt 80% - 100% 98% Money Market/Cash 0% - 20% 2%
Asset Allocation Individual Apex- Equity Equity 80% - 100% 94% Money Market/Cash 0% - 20% 6% Individual Apex - Growth Equity 55% - 85% 74% Debt/MM/Cash 15% - 45% 26% Individual Apex- Balanced Equity 35% - 65% 47% Debt/MM/Cash 35% - 65% 53% Individual Apex - Bond Debt 80% - 100% 91% Money Market/Cash 0% - 20% 9% Pension Apex- Equity Equity 80% - 100% 99% Money Market/Cash 0% - 20% 1% Pension Apex- Growth Equity 55% - 85% 75% Debt/MM/Cash 15% - 45% 25% Pension Apex- Balanced Equity 35% - 65% 49% Debt/MM/Cash 35% - 65% 51% Pension Apex- Bond Debt 80% - 100% 100% Money Market/Cash 0% - 20% 0%
PORTFOLIO DETAILS Individual Equity --- Top 5 Holdings Individual Equity --- Top 5 Sectors Sectors Reliance Industries Ltd 6.08 Larsen & Toubro Limited 5.36 State Bank of India 5.09 ITC Ltd. 4.90 ICICI Bank Ltd 4.29 Banking Services 13.12 Drugs & pharmaceuticals 12.48 Computer software 8.31 Refinery 7.61 Industrial Construction 6.06 Individual Growth --- Top 5 Holdings Reliance Industries Ltd 6.37 Larsen & Toubro Limited 4.73 HDFC Ltd. 4.53 ITC Ltd. 4.51 Ranbaxy Laboratories Ltd 3.20 Individual Growth--- Top 5 Sectors Sectors Drugs & pharmaceuticals 9.3 Refinery 9.27 Computer software 8.8 Banking Services 8.51 Infrastructure finance services 5.54
PORTFOLIO DETAILS Ind. Apex Equity --- Top 5 Holdings Ind. Apex Equity --- Top 5 Sectors Sectors Larsen & Toubro Limited 4.84 ITC Ltd. 4.83 Reliance Industries Ltd 4.54 Infosys Technologies Ltd. 3.79 GAIL (India) Limited 3.54 Banking Services 12.02 Computer software 8.86 Drugs & pharmaceuticals 8.74 Refinery 6.49 Industrial Construction 5.79 Ind. Apex Growth --- Top 5 Holdings Larsen & Toubro Limited 4.91 Reliance Industries Ltd 4.83 ITC Ltd. 3.59 Infosys Technologies Ltd. 3.58 GAIL (India) Limited 3.25 Ind. Apex Growth--- Top 5 Sectors Sectors Banking Services 10.31 Computer software 7.96 Drugs & pharmaceuticals 7.29 Refinery 6.67 Infrastructure finance services 6.3
PORTFOLIO DETAILS Pension Equity --- Top 5 Holdings Pension Equity --- Top 5 Sectors Sectors Reliance Industries Ltd 5.82 Larsen & Toubro Limited 5.40 State Bank of India 5.18 ITC Ltd. 4.26 Dr. Reddy's Laboratories Ltd. 3.85 Banking Services 12.17 Drugs & pharmaceuticals 10.79 Computer software 8.75 Refinery 7.6 Industrial Construction 6.11 Pension Growth --- Top 5 Holdings Reliance Industries Ltd 5.81 HDFC Ltd. 5.41 Power Grid Corporation 4.57 ITC Ltd. 3.89 Larsen & Toubro Limited 3.34 Pension Growth --- Top 5 Sectors Sectors Refinery 9.97 Computer software 9.93 Banking Services 8.32 Drugs & pharmaceuticals 8.26 Housing Finance Services 5.59
PORTFOLIO DETAILS Pension Apex Equity --- Top 5 Holdings Pension Apex Equity --- Top 5 Sectors Sectors Reliance Industries Ltd 5.16 Larsen & Toubro Limited 5.02 Tata Consultancy Services 3.89 State Bank of India 3.71 ITC Ltd. 3.62 Banking Services 13.18 Drugs & pharmaceuticals 11.19 Computer software 9.54 Refinery 7.23 Industrial Construction 5.82 Pension Apex Growth --- Top 5 Holdings Larsen & Toubro Limited 5.30 Reliance Industries Ltd 4.98 HDFC Ltd. 4.62 Power Finance Corporation 3.89 ITC Ltd. 3.13 Pension Apex Growth --- Top 5 Sectors Sectors Banking Services 10.76 Computer software 8.43 Drugs & pharmaceuticals 8.33 Infrastructure finance services 6.84 Refinery 6.82
PORTFOLIO DETAILS Individual Balanced --- Top 5 Holdings Individual Balanced --- Top 5 Sectors Sectors HDFC Ltd. 7.58 Larsen & Toubro Limited 6.26 Reliance Capital Limited 4.90 Steel Authority of India Ltd. 4.27 Reliance Industries Ltd 4.03 Housing Finance Services 10.19 Infrastructure finance services 10.02 Refinery 7.87 Computer software 7.13 Industrial Construction 6.58 Individual Bond --- Top 5 Holdings Reliance Gas Tran Infra Limited 6.58 IRFC Ltd. 5.94 ACC Limited 5.72 Aditya Birla Nuvo Limited 4.79 Reliance Capital Limited 4.65 Individual Bond --- Top 5 Sectors Sectors Infrastructure finance services 14.98 LNG storage & distribution 6.58 Housing Finance Services 6.14 Cement 5.72 Refinery 4.85
PORTFOLIO DETAILS Ind. Apex Balanced --- Top 5 Holdings Ind. Apex Balanced --- Top 5 Sectors Sectors Larsen & Toubro Limited 6.79 Power Finance Corporation 5.86 HDFC Ltd. 3.78 Aditya Birla Nuvo Limited 3.43 Reliance Industries Ltd 3.02 Infrastructure finance services 12.83 Computer software 7.98 Refinery 7.09 Industrial Construction 6.79 Banking Services 6.44 Ind. Apex Bond --- Top 5 Holdings Power Finance Corporation 7.97 IDFC 7.77 Larsen & Toubro Limited 5.40 Aditya Birla Nuvo Limited 4.48 HPCL 3.74 Ind. Apex Bond --- Top 5 Sectors Sectors Infrastructure finance services 20.19 Refinery 5.92 Industrial Construction 5.4 Diversified 4.48 Housing Finance Services 4.35
PORTFOLIO DETAILS Pension Balanced --- Top 5 Holdings Pension Balanced --- Top 5 Sectors Sectors Reliance Capital Limited 6.32 Indian Oil Corporation Ltd 6.14 Aditya Birla Nuvo Limited 6.13 Power Grid Corporation 5.47 Reliance Industries Ltd 5.23 Refinery 11.37 Computer software 9.47 Housing Finance Services 8.12 Infrastructure finance services 7.1 Other Financial Services 6.32 Pension Bond --- Top 5 Holdings Indian Oil Corporation Ltd 8.05 Reliance Gas Tran Infra Limited 7.43 Reliance Capital Limited 6.87 Larsen & Toubro Limited 6.78 Aditya Birla Nuvo Limited 6.41 Pension Bond --- Top 5 Sectors Sectors Infrastructure finance services 12.06 Refinery 8.65 Steel 8.45 LNG storage & distribution 7.43 Housing Finance Services 7.34
PORTFOLIO DETAILS Pension Apex Balanced --- Top 5 Holdings Pension Apex Balanced --- Top 5 Sectors Sectors Larsen & Toubro Limited 8.65 LIC Housing Finance Ltd 4.95 Power Finance Corporation 4.37 HPCL 3.94 Reliance Industries Ltd 3.93 Refinery 9.64 Infrastructure finance services 8.82 Industrial Construction 8.65 Housing Finance Services 8.18 Banking Services 7.56 Pension Apex Bond --- Top 5 Holdings Power Finance Corporation 9.14 Larsen & Toubro Limited 7.18 IDFC 6.95 HDFC Ltd. 6.69 HPCL 3.63 Pension Apex Bond --- Top 5 Sectors Sectors Infrastructure finance services 21.15 Housing Finance Services 7.57 Industrial Construction 7.18 Refinery 6.55 LNG storage & distribution 3.21
Risk Factors This document has been prepared for the purpose of providing general information only. Unit Linked Life Insurance products are different from the traditional insurance products and are subject to various risk factors. Customers should take into account their personal investment objectives, risk appetite and other aspects of their financial situation before making an investment decision. Unit linked policies are subject to market risks associated with capital markets and NAVs of units may go up or down based on the performance of fund and factors influencing the capital market and the customers have to consider this aspect while taking any decision. SUD Life shall not be responsible for any losses caused or any claims that arise due to investments made based on this document. Customers are advised to note that the details are based on past performance and is not indicative of its future prospects or returns. All efforts have been made to ensure accuracy of the contents of this document, however, SUD Life shall not be held responsible for any errors or omissions.