FRANKLIN INDIA PENSION PLAN (FIPEP) This is a simple and performing scheme which is eligible for distribution by new Cadre of Distributors. As of May 31, 2017 INVESTMENT OBJECTIVE PLANNING FOR RETIREMENT An open end tax saving scheme whose objective Planning for your retirement is one of the most critical aspects of financial planning. If you wish to retain your financial independence and maintain a comfortable lifestyle even when you are no longer earning, it becomes imperative for you to start planning for your retirement as early as possible. is to provide investors regular income under the Dividend Plan and capital appreciation under the Growth Plan START EARLY PRODUCT LABEL This product is suitable for investors who are seeking*: Moderate Mo de ra te L ow A hybrid fund investing upto 40% in equities and the balance in high quality fixed income instruments Riskometer ly Long term capital appreciation It s simple. The more time you give your money, the more it will grow. For example, `100,000 invested for 10 years at 8% p.a will grow to just `215,892 while the same money invested for 20 years grows to `466,096. See the difference? LOW HIGH Investors understand that their principal will be at Moderately High risk *Investors should consult their financial advisers if in doubt about whether the product is suitable for them. Key Highlights: BEAT INFLATION Consider the cost of a loaf of bread. Bread that used to cost less than `10 around 10 years back, today costs around `20. Not just that, in the next 10-20 years, this will keep going up and could reach as high as `50 per loaf. Unthinkable but yes, that is the effect of inflation on your purchasing power it can erode the value of your money over time. Consider an example: see what inflation can do to your `1,000 over time. What you can buy for the same `1,000 today will cost a lot more in the years to come: An open end tax saving scheme with a lock-in period of 3 financial years that gives you the flexibility to invest whenever you have a surplus unlike some of the other retirement products `6,727 `4,322 `1,629 `2,653 `2,594 20 Years 10 Years Inflation Rate 5%* While debt component of the portfolio can provide stability, equity can help enhance the value of your retirement corpus Tax deduction upto `1.5 lac per year under Section 80C on investment amount `17,449 Impact of Inflation on Rs.1000 worth of Goods in Future 30 Years Inflation Rate 10%* (* Assumed) CHOOSE THE RIGHT INVESTMENT Where you invest matters most when you wish to build a sizable retirement corpus. In fact, just a small difference in your long-term investment performance can make a big impact on your retirement corpus. This boost to your investment can come by investing a portion of your money into equities an asset class that may be volatile in the short term but can be highly rewarding in the long term. Consider the example given below. Investing `10,000 every year since the age of 30 until the age of 58 at different rates of assumed return of 8%, 12% and 15% p.a can give highly varying returns. `5,736,280 No entry loads / up-front charges and hence units are allotted for 100% of invested amount Equity exposure (upto 40%) could give your investment the potential to stay ahead of inflation 8% 12% 15% `3,014,733 `280,017 `231,331 `179,771 At age 40 `1,366,316 `915,026 `544,568 At age 50 `1,309,671 At age 60 Given the circumstances, an investment option that has the potential to beat inflation in the long run and as well as build a sizeable retirement corpus would be the ideal choice to invest in. PRESENTING FRANKLIN INDIA PENSION PLAN (FIPEP) Franklin India Pension Plan (FIPEP) is a central government notified pension scheme from the private sector that can help you build your retirement corpus. The fund invests up to 40% of its assets in the stock market and the remaining in debt instruments. FIPEP gives you the flexibility to invest whenever surplus money is available. There is no restriction on maximum investment amount. Portfolio Characteristics - DEBT PORTION TOP HOLDINGS Average maturity : 9.06 years Company Name Yield to maturity : 7.71%* Debt Rating Modified Duration : 5.06 years 6.79% GOI 2029 SOVEREIGN 5.11 State Bank Of India CRISIL AA+ 4.92 DLF Promenade Ltd CRISIL AA(SO) 4.14 * Pre fund expenses. YTM is the weighted average yield of portfolio based on the security level yield. Security level yield for securities with maturity greater than 60 days is the simple average of yield provided by AMFI designated agencies and for securities with maturity up to 60 days it is the last traded /valuation yield. Other Current Asset 0.03% Equity 0.39% Debt 0.58% % of Assets Tata Power Co Ltd ICRA AA 3.79 Tata Steel Ltd BWR AA 3.79 Equity Sector HDFC Bank Ltd. Banks 4.20 Axis Bank Ltd. Banks 2.59 State Bank of India Banks 2.24 Infosys Ltd. Software 1.91 Dr. Reddy's Laboratories Ltd. Pharmaceuticals 1.56 All portfolio holdings are subject to change. The information stated above does not constitute an investment advice or recommendation to subscribe or transact in these securities. ASSET COMPOSITION - EQUITY PORTION Minerals/Mining FUND DETAILS Fund Manager(s): Debt Portfolio Sachin Padwal-Desai Umesh Sharma Equity Portfolio Lakshmikanth Reddy Date Of Allotment: March 31, 1997 0.02% Media & Entertainment 1.78% Construction Project 1.82% Industrial Products 1.88% Chemicals 1.92% Transportation 2.28% Retailing 2.48% Cement 2.61% Petroleum Products 2.86% Gas 3.20% Auto Ancillaries 3.30% Telecom ‐ Services 3.70% Software Pharmaceuticals Auto Load Structure: Entry Load: Nil Exit Load (Subject to the completion of lock-in-period and minimum target investment): 3% if redeemed before the age of 58 years, NIL if redeemed after the age of 58 years Consumer Non Durables 6.80% 7.72% 9.81% 10.06% Banks 37.77% WHY FRANKLIN TEMPLETON ? Franklin Templeton Worldwide Premier global investment management organization with over 65 years of global investment experience Headquartered in San Mateo, California with offices in 35 countries worldwide Over 600 investment professionals managing nearly USD 741.0 billion in assets for over 24 million investor accounts (as of April 30, 2017) Franklin Templeton in India Established office in 1996 Extensive experience in both equity and debt across market cycles: over 20 of our funds have a performance track record of over 10 years Focus on local needs backed by global expertise Lock - in Period: Completion of 3 full financial years Minimum Investment: `500 and in multiples of `1 Minimum target investment: `10,000 Fund Size: ` 409.12 Cr The upfront commission on investment made by the investor, if any, shall be paid to the ARN Holder (AMFI registered distributor) directly by the investor, based on the investor s assessment of various factors including service rendered by the ARN Holder. Mutual Fund investments are subject to market risks, read all scheme related documents carefully. All investments in FIPEP are subject to a lock-in for a period of 3 financial years. The Trustee, AMC, their directors or their employees shall not be liable for any of the tax consequences that may arise, in the event that the Scheme is wound up before the completion of the lock-in period. Copyright © 2014. Franklin Templeton Investments. All rights reserved. Registered Office: Franklin Templeton Asset Management (India) Pvt Ltd. Indiabulls Finance Centre, Tower 2, 12th and 13th Floor, Senapati Bapat Marg, Elphinstone (West), Mumbai 400 013 [email protected] www.franklintempletonindia.com Investors: 1800 425 4255, 6000 4255 Distributors: 1800 425 9100, 6000 9100 Mobile phones by prefixing the local city code; local call rates apply for both numbers. Helpline available from 8 a.m. to 9 p.m. Monday to Saturday
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