SAFER THAN BANK F.D.

Bank Fixed Deposits have now  lowered interest rates.

 

M.I.P. schemes of mutual Funds offer several advantages over Bank F.D.s, such as

[1]

Safety-

[A] Amounts above Rs. 1 lakh as FDs in all Banks combined are NOT guarantteed.

Whereas MIP schemes invest in SEVERAL GOOD COMPANIES AS CORPORATE DEBT, CALL MONEY and SEVERAL BANKS - ALL OF WHICH HAVE GOOD RISK RATING.

[B] MORE OVER the risks are spread 25 times over in case of MIP as compared to concentration of entire amount with a single bank.

[C] MIP s do have a risk wrt a small portion up to 30% of investment which is invested in equity.

Birla Sun Life MIP II - Savings 5 Plan as the name suggests invests up to 5 % ONLY in equity.

The typical portfolio is given under.

That is whereyour money in  MIP goes.

Do have a close look.

Ask if any query.

[2]

RETURNS

are FAR SUPERIOR AS COMPARED TO Bank FDs.

Mutual Fund Scheme	Rating	Asset (Rs. cr.)	NAV					1 yr	2 yr	3 yr	5 yr
DBS Chola MIP - Regular (G)	Not Rated	20.22	18.35					13.5	15.3	12.3	10.5
Reliance MIP (G)		397.99	19.17					33.5	15.2	12.6	13.1
Birla SL MIP II-Savings 5 (G)		429.41	16.12					14.7	14.7	12.4	9.8
HDFC MIP - LTP (G)		1,846.85	20.05					34.2	11.4	11.9	13.4
Principal MIP - MIP Plus (G)		56.72	17.47					23.7	10.8	12.2	11.3
Principal MIP (G)		48.53	20.00					21.0	9.8	10.6	9.3
Birla SL Monthly Income-A (G)		169.53	33.00					25.5	8.7	10.4	10.5
HSBC MIP - Savings Plan (G)		143.10	17.69					24.9	8.7	11.7	11.5
UTI MIS - Advantage Plan (G)		114.41	18.31					25.2	8.6	10.7	12.2
HSBC MIP - Regular Plan (G)		97.14	15.87					19.4	8.2	9.9	9.2
ICICI Pru MIP (G)		326.75	23.43					26.3	7.4	8.4	9.6
HDFC MIP - STP (G)		182.48	15.57					19.0	7.2	7.2	8.1
LIC MF Floater MIP-Plan A (G)		67.28	16.45					15.2	7.1	10.3	--

 

[3]

FLEXIBILITY

ONE CAN WITHDRAW MONEY ANY MOMENT - EVEN THE VERY SAME WEEK.

BANK FD YOU ARE STUCK.

 

Sharing Success

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Fund Portfolio       Portfolio of Birla Sun Life MIP II - Savings 5 Plan as on 31st  August  2009 Total Assets : Rs. 204.04 Crores Equity No Name of the company sort Sector sort P/E Ratio % of total Assets sort 1 Ashok Leyland Ltd Auto 0 0.19 2 Bajaj Holdings & Investment Ltd. Auto 0 0.13 3 Bharat Earth Movers Ltd Industrial Capital Goods 0 0.1 4 Biocon Ltd Pharmaceuticals 0 0.13 5 Birla Corporation Ltd Cement 0 0.09 6 Canara Bank Banks 0 0.09 7 Colgate-Palmolive (India) Ltd Consumer Non Durable 0 0.08 8 Container Corporation Of India Ltd Miscellaneous 0 0.11 9 Cummins India Ltd Industrial Products 0 0.29 10 Dabur India Ltd Consumer Non Durable 0 0.08 11 Elecon Engineering Company Ltd Industrial Capital Goods 0 0.2 12 Gateway Distriparks Ltd Miscellaneous 0 0.16 13 GlaxoSmithkline Consumer Healthcare Ltd Consumer Non Durable 0 0.03 14 Godrej Consumer Products Ltd PersonalCare-Ind 0 0.1 15 Grasim Industries Ltd Cement 0 0.08 16 ICICI Bank Ltd Banks 0 0.1 17 Indiabulls Financial Services Ltd Finance 0 0.09 18 Indian Hotels Co Ltd Hotels 0 0.07 19 Indraprastha Gas Ltd Gas 0 0.24 20 Infosys Technologies Ltd Software 0 0.11 21 Infrastructure Development Finance Company Ltd Finance 0 0.17 22 ITC Ltd Consumer Non Durable 0 0.09 23 Kalpataru Power Transmission Ltd Power 0 0.14 24 Madras Cements Ltd Cement 0 0.06 25 Nava Bharat Ventures Ltd Diversify-Med/Sm 0 0.24 26 NHPC Ltd Finance 0 0.31 27 Oriental Bank of Commerce Banks 0 0.19 28 Rallis India Ltd Pesticides 0 0.08 29 Rural Electrification Corporation Ltd Power 0 0.07 30 Sterlite Industries (India) Ltd Non - Ferrous Metals 0 0.18 31 TajGVK Hotels & Resorts Ltd Hotels 0 0.04 32 Tata Consultancy Services Ltd Software 0 0.09 33 Tata Steel Ltd Ferrous Metals 0 0.08 34 Thermax Ltd Industrial Capital Goods 0 0.07 35 Torrent Power Ltd Power 0 0.16 36 Yes Bank Ltd Banks 0 0.14 Total: 4.57 Portfolio of Birla Sun Life MIP II - Savings 5 Plan as on 31st  August  2009 Total Assets : Rs. 204.04 Crores Average Maturity of Portfolio is 0.79 Debt No Name of the Security sort Issuer Class sort Rating sort % of total Assets sort 1 CALL & EQUIVALENT CALL CASH CURRENT ASSETS P1+ 41.13 2 CANARA BANK Bank And Financial Institution P1+ 3.4 3 Corporation Bank Bank And Financial Institution P1+ 3.35 4 HDFC LIMITED Bank And Financial Institution A1+ 5.19 5 HDFC LIMITED Bank And Financial Institution AAA 2.28 6 ICICI Home Finance Co. Ltd. Corporate Debt AAA 1.74 7 LIC HOUSING FINANCE Bank And Financial Institution AAA 4.05 8 OREINTAL BANK OF COMMERCE Bank And Financial Institution P1+ 5.87 9 RELIANCE CAPITAL Corporate Debt A1+ 9.79 10 RELIANCE INDUSTRIES Corporate Debt AAA 1.48 11 State Bank of Travancore Bank And Financial Institution A1+ 3.37 12 TATA SONS LTD. Corporate Debt AAA 1.66 13 VODAFONE ESSAR DIGILINK LIMITED Corporate Debt F1+ 1.42 Total: 84.73 Note: Full or partial disclosure of the portfolio as given by AMC.

With Warm regards
wealth4u
Shreerang Narawane

Cellphone +9967989933 / +9322644228