July 16-31, 2015
Investment Update
FORTNIGHTLY MAGAZINE
VOLUME III
ISSUE 14
Re. 1/-
Investment magazine for Retail Investors
Planning for the future...
Protection for your family...
Investors' Financial Education Association, No. 1, Ramakrishna Street, T.Nagar, Chennai 600 017
Better Deals on Loans
At Attractive Rates with Ease
Financial Fitness Report
Integrated Investment Update July 16 - 31, 2015 Page 2
Life Insurance
HDFC Life ClassicAssure Plus
Traditional Participating Plan
Death Benefit
HDFC Life Classic assure plus is a participating plan that offers
guaranteed reversionary bonus and flexibility to choose the
premium paying term. The plan is ideal for meeting long term
financial goals such as child's education & marriage, building
your dream home or planning a relaxed retired life.
Higher of the following
Plan at a glance
Entry Age
30 days to 60 years
Maximum maturity Age
65 yrs. - 75 yrs.
Minimum sum assured
Rs.49,447/7 / 10 years
Policy Term
10/15/20 years
10 times
annualised
premium

Sum Assured

105% of all premiums paid till date.
In addition to the above, the accrued
bonus if any is paid to the nominee.
Guaranteed
Bonus @ 3%
during PPT
Minimum Annual Premium Rs.12,000/Premium Paying Term

Tax Benefit as per prevailing tax
laws.
Key Features
Protection
Life cover throughout the policy term
Benefit Illustration : Policyholder Age 38 years. Sum Assured Rs. 2,41,384/-
Sum Assured
Determined by the Insurer based on Age,
Premium Paying Term(PPT), Gender and
Premium amount.
Premium options - Limited premium paying
term of 7 or 10 years.
Premium Frequency - Annual, Half Yearly,
Quarterly, Monthly
Premium Rs. 50,000 p.a
Premium payment Term 7 years Amount paid Rs. 3,50,000/Policy Term 10 years
1
10
Sum Assured + Guaranteed Reversionary Bonus + TB (estimated)
An illustration of the total benefits that he can receive is shown below.
Benefit
Amount
Remarks
Sum Assured
2,41,384
Decided by the Insurer
based on the age and
premium amount opted
Maturity benefit
1. Sum Assured
2. Guaranteed Reversionary Bonus (GRB) at
3% for Premium Paying Term
3. Terminal Bonus (TB), if any
maturity benefit
Guaranteed Reversionary Bonus
Estimated Terminal Bonus #
Total Maturity Benefit (Rs.)
50,691
@ 3% for 7 years
1,49,658
4,41,733
# The Reversionary Bonus beyond the PPT and Terminal Bonus Declaration depends on actual future experience.
* Assumed Investment Return 8% p.a. * Premium excl. S.T. Insurance is the subject matter of the solicitation.
Integrated Investment Update July 16 - 31, 2015 Page 3
Life Insurance
ICICIpru Cash Advantage -
Traditional Participating Plan
*Bonuses consist of vested
Comprehensive financial solution which provides regular cash
reversionary bonuses, interim
flow to meet recurring expenses while building a corpus for long
bonus and terminal bonus, if any.
term financial goals. ICICIPru Cash Advantage is a unique savings
and protection oriented plan which offers a guaranteed amount
Sum Assured
every month for 10 years, a guaranteed lump sum at maturity,
10 times / 7 times the Annual Premium depending upon the age
along with bonuses and life cover that provides financial security
at entry
to the family in case of death.
Age at entry
Sum Assured multiple
Plan at a glance
<45
10
Minimum Age at Entry
0 - 3 years depending on PPT
45 to 54
7 or 10
Maximum Age at Entry
60 yrs.
>54
7
Age at Maturity
18 to 80 years
Minimum GMB
Rs.63,881/Tax Benefit as per prevailing tax laws.
Minimum Annual Premium Rs.12,000/Protection
Protection for the entire policy Term (Premium
Plan purchased
Benefit Illustration
Paying Term + 10 years)
at the age of 38
Limited premium payment term
GCB Rs.21,292 for 10 years
Premium amount Rs.50,000 p.a.
Choice of paying premiums for 5, 7 or 10 years
Premium
payment
Term
7
years
Guaranteed Cash Benefit (GCB)
Amount paid Rs. 3,50,000/- 8
1
Payout term commences immediately after PPT.
Throughout payout term, GCB is payable either
Policy Term
Sum Assured
monthly at 1 % or annually at 11.50% provided
17 years
Rs. 5,00,000/the life assured is alive and the policy is fully paid.
An illustration of the total benefits that he can receive is shown below.
Maturity Benefit
Maturity Benefit is Higher of following :
Benefit
Amount
Remarks
1. Guaranteed Maturity Benefit calculated based
Guaranteed Cash Benefit (GCB) 2,12,924
Rs.21,292 for 10 [email protected]% of GMB
on premium, premium payment option,
Plus
premium payment mode, Sum Assured, cash
Guaranteed Maturity Benefit (GMB) 1,77,437
Computed by the Insurer
benefit mode, age and gender. Vested
based on your age, premium
reversionary bonuses, if any and terminal
amount and gender
bonus, if any will be paid.
Estimated Reversionary Bonus # 1,35,815
2.100.1% of total premiums paid less GCBs
received
Estimated Terminal Bonus #
97,418
Death Benefit:Higher of the following:
Maturity Benefit
4,10,670
 Sum Assured plus Bonuses*
Total Benefit
6,23,594
GCB + Maturity Benefit
 GMB plus Bonuses*
# Assumed rates of return are not guaranteed as the value is dependent on a number of factors including future
investment performance.
 105% of sum of premiums paid till date
* Assumed Investment Return 8% p.a. * Premium excl. S.T. Insurance is the subject matter of the solicitation.
Integrated Investment Update July 16 - 31, 2015 Page 4
Health Insurance
Reliance
Health Total
A non-linked, non-participating, non-variable health Insurance plan
c) Daily Hospital Cash Benefit (DHCB):
A fixed amount of 0.5% of Sum Insured per day will be
payable.
Reliance Health Total provides a complete health cover that includes a
fixed benefit cover for hospitalisation, critical illnesses and surgeries
along with reimbursement for other health related expenses.
Plan at a glance
Parameters
Policy Term (Years)
Age at Entry (Years)
Option I
Minimum
5 Years
18
Option II
Renewal Age (Years)
Premium
Sum Insured
Premium Payment Term
d) Intensive Care Unit (ICU) Benefit:
An additional amount of 0.5% of Sum Insured per day will be
payable
Maximum
e) Recuperation Benefit (RB):
A lump sum benefit of 1.5% of Sum Insured is payable.
65
f) Critical Illness (CI) Benefit:
A lump sum benefit of 100% of Sum Insured will be payable
on confirmed diagnosis of the Life Insured suffering from one
of the insured Critical Illness conditions mentioned below:
1) Cancer2) Heart Attack3) Stroke4) Major Burns5) Loss of
Speech 6) Loss of Hearing7) Alzheimer’s Disease8) Parkinson’s
Disease9) Coma 10) Terminal Illness.
All other Critical Illnesses are excluded from Critical Illness (CI)
Benefits.
18
55
23
99
10,000
50,000
66,667
6,66,667
5 Years
Plan Options
Option I Annual premium (AP) = Rs.150/- per 1,000 /- Sum Insured
Option II Annual premium (AP) = Rs.75/- per 1,000/- Sum Insured
Key Benefits

 Sum Insured Options
At inception of your Policy, you can choose between two options:
Plan Options
Benefit Comparison Sum Insured Multiple
(as a multiple of Annual Premium)
I
II
Higher Medical Reimbursement Benefit
Higher Sum Insured
6.66667
13.33335
Hospitalisation Benefit (HB)
Provides fixed benefit health cover in case of hospitalisation due to
illnesses or injury, minor & major surgeries and other domiciliary
expenses, incurred in India only. All benefits under HB do not require
submission of original bills.
The details of Hospitalisation Benefit are as follows:
MRB Maximum Limits :
During Policy Year
2
3
4
5
MRB (as a % of AP)
25%
50%
60% X%
Where X% depends on gender, age at entry and Sum Insured
option selected

a) Major Surgical Benefit (MSB):
A lump sum benefit of 100% of Sum Insured will be payable in
case the Life Insured is hospitalised for at least 24 hours to
undergo a Major Surgery specified by the Insurer.
b) Surgical Cash Benefit (SCB):
A lump sum benefit of 5% of Sum Insured is payable once in a
policy year, in case the Life Insured is hospitalised for 7 or more
continuous days for the same injury or disease.
Medical Reimbursement Benefit (MRB):
MRB provides coverage for medicines and drugs, medical
equipments (such as BP machine, thermometer, etc.), Outpatient (less than 24 hours) treatment, diagnostic expenses,
dental treatment, maternity expenses, spectacles or contact
lenses, annual health check-up and so on.

Tax Benefits as per prevailing tax laws.
BENEFIT ILLUSTRATION FOR OPTION I (Higher MRB)
Mr. Kiran, aged 35 years, yearly premium is Rs.25000/- Sum Insured
is Rs.1,66,666.
Total premium paid Rs.1,25,000/Tax Saved
Rs. 38,625 assumed at 30.9% tax slab
Cumulative MRB
Rs.91,250
HB
Rs.1,66,666
Total benefit *
Rs.2,96,541
(* if hospitalised)
Insurance is the subject matter of the solicitation.
Integrated Investment Update July 16 - 31, 2015 Page 5
Life Insurance
Unit Linked Insurance Plans (ULIPs)
Bharti AXA Life Future Invest
Bharti AXA Life Future Invest, is a marketlinked policy that invests the premium
amount paid towards building a fund
without charging any allocation fee. This plan also provides benefits
for 10 years while premiums are paid only for the first five years, thus
extending the protection and investment benefits into the future.
Plan at a Glance
Minimum & Maximum age at entry
18 years - 59 years
Maximum age at maturity
69 years
Premium payment term
5 years
Minimum premium
Annual Rs. 8,000
Semi Annual Rs. 9,000
Quarterly - Rs. 4,500
Monthly -Rs. 1,500
Policy benefit period
10 years
Key Highlights

Limited Premium Payment: PPT is 5 years only.

Zero Premium Allocation Charge

Fund Options: Choose from an array of 6 funds.

Extendable Investment Period (Settlement Period): Advantage
of staying invested in the funds for an extended period of 5
years after maturity.

Liquidity Benefit with Partial Withdrawal Option after the
premium payment term of 5 years.

Tax benefits as per the prevailing Tax laws.
1) Maturity Benefit: The Policy Fund Value shall be payable on
the Maturity Date. Policyholder shall be entitled to choose
Lump sum payment of the Policy Fund Value or Withdrawal of
Maturity Benefit at convenient regular intervals.
2) Life Insurance (Death) Benefit: the Life Insurance Benefit
payable under the product will be Higher of

Sum Assured ( higher of 10 times Annualised Premium or
(0.5 x Policy Term x annualized premium))

105% of all premiums paid

Policy Fund Value at that point of time.
BSLI Wealth Secure Plan
BSLI Wealth Secure Plan is a nonparticipating unit linked life insurance
plan. It is a Plan that combines long
term savings and whole life coverage specially designed to focus on
one’s goals and maximise savings for the future.
Plan at a Glance
Policy Term
Whole life
Entry Age
1 to 60 years
Premium Paying Term (PPT)
5 to 30 years
Minimum PPT
Attained age at the end of
PPT must be 18 years or more
Maximum PPT
Attained age at the end of
PPT must be 75 years or less.
Basic Premium
Rs. 20,000 - Annually
Rs. 5,000 - Monthly
Rs. 15,000 - Quarterly
Salient Features
 Pay premiums for a limited term and get life cover for entire life
 Flexibility to choose from 3 investment options
 Flexibility to add top-ups whenever there is additional savings
 Flexibility of partial withdrawals
 Tax benefits as per the prevailing Tax laws.
1. Guaranteed Additions (GA) - Additional units will be added to
policy:
 On 10th policy anniversary and on every 5th policy anniversary
thereafter, GA at 2.00% of the total premiums paid in the last 60
months.
 In addition on 11th policy anniversary and every policy
anniversary thereafter, GA at 0.20% of the Average Fund Value in
the last 12 months.
2. Death Benefit (DB) - Payment to the nominee is the greater of
 Basic Fund Value as on date of intimation of death; or
 Basic Sum Assured - Basic Premium X DB Multiple
DB Multiple : Age <45 The higher of 10 or the number of
years to attain age 70 divided by 2.
Age 45Age
and45
Above
The higher of 7 or the number of
and Above
years to attain age 70 divided by 4
 105% of total premiums paid to date.
Disclaimer: In Market Linked Products, the investment risk in the investment portfolio is borne by the policyholder. Linked Insurance Products does not offer any liquidity during the first five years of the contract. The policyholders will not be able to
surrender/ withdraw the money invested in Linked Insurance Products completely or partially till the end of fifth year from inception.
Insurance is the subject matter of the solicitation.
Integrated Investment Update July 16 - 31, 2015 Page 6
Mutual Fund
Know your Fund House - Mirae Asset
About Mirae Asset Mutual Fund
Mirae Asset Financial Group is the leading independent
financial services firm in Asia.
Established in India in November 2007 though founded in
1997 in Korea.
An emerging market expert with a global perspective
An independent asset management business with
diversified investment platform
It has seen a stable AUM growth with a total of US $ 75.26 bn.
(as on30.4.2015)
Have won trust of 102,750+ investor folios with 43,950+
SIP folios & distribution network supported by 6630+
associates (as on 30 April, 2015).
Mirae Asset Emerging
Bluechip Fund
An open-ended scheme
Mirae Asset India
Opportunities Fund
An open-ended scheme
Highlights
- Mid-cap fund which gives investors the opportunity to
participate in the growth of emerging companies
- To generate income and capital appreciation from a
diversified portfolio
- Minimum investment of Rs. 5000 and in SIP Rs. 1000.
- It is a high return and low risk scheme
Launch Date
July 2010
Benchmark CNX Midcap
Top Holdings
As on 30.06.2015
NAV as on 13.07.2015
Rs. 30.75
Name of Holding % Net Assets
Kotak Mahindra Bank
4.57
AUM as on 30.06.2015
HPCL
3.98
Rs.780 Crs
Yes Bank
3.66
Value Research Rating
Sundaram Finance
3.27
ICICI Bank
3.15
*****
Return as a % as on 13.07.2015
5 yrs
7 yrs
10 yrs
1 yr
3 yrs
Lumpsum
44.51
38.54
24.94
SIP
31.63
39.85
29.80
-
Highlights
- It aims to maximize long term capital appreciation by
finding investment opportunities in equity and equity
related securities
- The fund is a good option for investors who seek a multicap exposure with a focus on quality stocks.
- Minimum investment of Rs. 5000 and in SIP Rs. 1000.
- It is a high return and below average risk scheme
Launch Date
April 2008
Benchmark S&P BSE 200
Top Holdings
As on 30.06.2015
NAV as on 13.07.2015
Rs. 33.20
Name of Holding % Net Assets
HDFC Bank
7.60
AUM as on 30.06.2015
ICICI Bank
5.49
Rs.1179 Crs
Larsen & Toubro
5.09
Value Research Rating
Maruti Suzuki India
4.23
Tata Consultancy Services 3.65
*****
Return as a % as on 13.07.2015
5 yrs
7 yrs
10 yrs
1 yr
3 yrs
Lumpsum
27.95
27.51
16.98 20.68
SIP
19.60
27.97
21.26 21.16
-
Integrated Investment Update July 16 - 31, 2015 Page 7
/ Positive
8.85
8.85
CARE AA+ (FD) by CARE
9.60
9.60
8.70
8.70
Special
Regular
8.80
8.85
8.80
8.85
8.70
8.70
8.80
8.80
8.70
8.70
13.07.2015
Our 9thBranch in Bengaluru
We are opening our new Branch at Rajarajeshwari Nagar
on 20thJuly, 2015.
No. 826, Second Floor, ?Paramount Building?,
Pandit Jawaharlal Nehru Road,
B.E.M.L 3rd Stage, (Opp. to BEML Complex Bus Stop)
Rajarajeshwari Nagar, Bengaluru - 560 098
Phone : 32523440 / 32523441 / 32523442
email: [email protected]
Integrated Investment Update July 16 - 31, 2015 Page 8
We are shifting our Preet Vihar Branch, New Delhi
on 29thJuly, 2015.
104, 1st Floor, Savitri Complex,
Plot No. 11 (Sikka Tower 11),
Preet Vihar Community Centre,
Near Preet Vihar Metro, New Delhi ? 110 092
Ph: 47587168 to 72
email: [email protected]
Market Report
Sector Theme - Information Technology - “Make in India”
Information technology in India is an industry consisting of two
major components: IT services and Business Process Outsourcing
(BPO). The sector has increased its contribution to India's GDP from
1.2% in 1998 to 7.5% in 2012. According to NASSCOM, the sector
aggregated revenues of USD 147 Billion in 2015, where export
revenue stood at USD 99 Billion and domestic at USD 48 Billion,
growing by over 13%. India's Prime Minister Narendra Modi has
started 'Digital India' project to give IT a secured position inside &
outside India. Information technology is playing an important role in
India today and has transformed India's image from a slow moving
bureaucratic economy to a land of innovative entrepreneurs.
 The IT sector constitutes overall 8.1% of the country's GDP and
contributes significantly to public welfare.
 India's IT industry amounts to 7% of the global market, largely
due to exports.
 60% of firms use India for testing services.
 The Indian IT industry has saved clients USD 200 Billion in the
past 5 years.
 Rapidly growing urban infrastructure has fostered several IT
centers in the country.
 Emerging geographies and verticals, non-linear growth due to
platforms, products and automation.







Emerging verticals (Retail, Healthcare, Utilities) are driving
growth above 14%.
Revival in demand for IT services from US and Europe.
High value client additions bigger than USD 1 Million - the
highest in the last 5 years, registering 13.5% growth.
The SMAC (Social, Mobility, Analytics, Cloud) market is expected
to grow to USD 225 Billion by 2020.
USD 1.6 Billion is spent annually on training workforce and for
growing R&D.
The National Optical Fibre
Network (NOFN) is being
laid down in phases to
connect all the 250,000
grama panchayats in the
country.
Up to 100% FDI is permitted
under the automatic route
in data processing,
software development and computer consultancy services,
software supply services, business and management
consultancy services, market research services, technical testing
and analysis services.
Proxy Stocks which give Good Returns for Investors (Long Term Investment Horizon)
SCRIP NAME
MARKET CAP
(Rs. in Cr)
TATA CONSULTANCY SERVICES LIMITED
4,84,178
INFOSYS LIMITED
2,15,223
WIPRO LIMITED
1,35,466
HCL TECHNOLOGIES LIMITED
1,30,116
TECH MAHINDRA LIMITED
45,550
MINDTREE LIMITED
10,090
HEXAWARE TECHNOLOGIES LIMITED
7,672
CMC LIMITED
5,820
TATA ELXSI LIMITED
3,757
POLARIS CONSULTING & SERVICES LIMITED
1,638
ROLTA INDIA LIMITED
1,616
FACE VALUE
(Rs.)
1
5
2
2
5
10
2
10
10
5
10
EPS(TTM)
(Rs.)
100
53
33
49
23
64
10
94
33
12
44
PE
(x)
25
18
17
19
20
18
26
20
37
13
2
BOOK VALUE
(Rs.)
225
418
119
112
117
240
34
393
91
59
167
DIVIDEND
YIELD (%)
1.29
6.35
1.46
1.08
1.27
1.41
3.71
1.43
0.91
9.17
2.25
Disclaimer
The suggestions made here in are for information purposes and are not recommendations to any person to buy or sell any securities. The information is derived from various sources that are deemed to be reliable but its
accuracy and completeness are not guaranteed. The company does not accept any liability for the use of this table. Readers of this table who buy or sell securities based on the information in this table are solely
responsible for their actions. And we won't be liable or responsible for any legal or financial losses suffered by anyone.
Integrated Investment Update July 16 - 31, 2015 Page 9
Integrated Investment Update July 16 - 31, 2015 Page 10
Branch Network
3/28 - 7 VRR Complex, Maruthamalai Road, Vadavalli, Coimbatore 641 041.
Chitra Complex - No.9, 1st Floor, Near Chatram Bus Stand, Trichy - 620 002.
Madhavaram
Plot No.4-7, Annai Velankanni Nagar, Office No.1, Arul Nagar Bus Stop, Madhavaram Milk Colony High Road, Chennai - 600 051.
25559918 / 25559919
Bengaluru
Bengaluru
Bengaluru
Bengaluru
Bengaluru
Bengaluru
Bengaluru - Yelahanka New Town
Bengaluru - Bannerghatta Road
Mangaluru
Bengaluru
Bengaluru
No.715, Suhas complex, ‘A’ Block, (I Floor),(Opp. to Seshadripuram College),Yelahanka New town, Bengaluru - 560 064 41210060 / 41210062
No. 73/2C, Thimmappa Reddy Layout, (Diagonally opp. to HDFC Bank), Hulimavu Gate, Bannerghatta Road, Bengaluru - 560 076. 49534732 / 49536413
Mangaluru
Calicut
Room No.13/507 B 47, 2nd Floor,Yamuna Arcade, Kallai Road,Calicut, Kerala - 673002.
Bengaluru
Bengaluru
Bengaluru
Bengaluru
2304900 / 2305900
Integrated Investment Update July 16 - 31, 2015 Page 11
Branch Network
Mumbai Mumbai Mumbai Mumbai Mumbai Mumbai Mumbai Mumbai Mumbai - Kalyan
Mumbai Mumbai Mumbai Mumbai Mumbai Mumbai Mumbai -
25086488 / 25086088
No.116, Siddhi Vinayak Sankul, New Shivaji Path, Station Road, Kalyan West - 421 301.
6500182 / 6500183
A-201, Krishna Plaza, Station Road, Naupada, Thane West - 400602
Gen. Thimayya Road, Next
Ahmedabad - Paldi
F-103, Sarvamangal Complex,Behind Zalak Complex, Above SBI,Bhatta Cross Road, Paldi, Ahmedabad 380 007.
26607811 / 26607813
RD Chambers, 3rd Floor, 16/11, W.E.A. Arya Samaj Road, (Above Kotak Bank), Karolbagh, New Delhi 110 005.
E/188, Ground Floor, Ramgarh, Naktala PO, Kolkata - 700 047.
24304050 / 24304051
Published by: S. Selvakumar on behalf of Investors' Financial Education Association, 5A, 5th Floor, Kences Towers, No.1, Ramakrishna Street, T.Nagar, Chennai - 600 017. Printed by Smt. Vathsala Srinivasan, Sai Shriram
Printers, F-6, Chennai to Kolkatta Highways, Gummudipoondi, Thiruvallur Dist. 601 201. Editor : Mangala Padmanabhan. Regd. No.TN/TBM/166/2014-16 WPP No. TN/PMG/(CCR)/WPP-2015-2016
Integrated Investment Update July 16 - 31, 2015 Page 12
Integrated Investment Update July 16 - 31, 2015 Page 13
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Date of Publication : 14.07.2015 Date of Posting 17.07.2015
REGISTERED WITH THE REGISTRAR OF NEWSPAPERS for India under No. TNENG/2013/50755, Regd. No.TN/TBM/166/2014-16
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