Gold ETF

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Reliance SIP Insure
A unique facility to Save, Grow Insure
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What Rs 2000 p.m can get you.
A sumptuous luxurious dinner for your family
Visiting your nearest relative place
Buy your monthly grocery
Make you a Millionaire also get you free life
insurance on your SIP installments
please refer slide 3 for more details
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What does it take to create wealth
Investing Rs 2400 per month _at_ 10 p.a for 15 yrs
makes you a Millionaire
Value /Yrs 3 5 10 15
5,00,000 12,000 7000 2,500 1,200
10,00,000 23,800 13,000 4,900 2,400
25,00,000 60,000 32,500 12,200 6,000
50,00,000 1,20,000 64,500 24,300 12,000
100,00,000 2,38,000 1,30,000 48,500 24,000
The table shows the SIP amount required to be
invested per month for achieving the target
amount in the specified time period. The
hypothetical rate of return on the investments is
assumed at 10 p.a.
This is just an illustration, explaining the
power of compounding concept and should not be
assumed as a promise, guarantee or forecast on
minimum returns and safeguard of capital. SIP
does not assure a profit or guarantee protection
against loss in a declining market. The
calculation shows the outcome of investing a
specified amount at a certain assumed rate of
interest per annum.
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Most likely reasons to invest..
Childs Education
Childs Marriage
Housing
Retirement
Safety
Everyone has one or more of the above reasons to
invest for!
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7 Successful habits of investing

• Start early
• Dont time the market
• Prudent Asset allocation
• Invest regularly
• Understand the risk reward ratio
• Have a set investment objective
• Invest for long term

Would you like to guess the 8th habit that we got
for you?
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Insure your financial goals..
Before we know more about this product.let us
understand the investment climate around us!
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Value of Money over time
Inflation _at_ 5 p.a
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Where do people save their money?
Source Invest India Incomes and Savings Survey
2007
Mutual Fund as an Asset Class has a very low
penetration
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Long Term Investing Case Studies
Its not the timing but the time in the market
which matters
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Invest Long term
Money grows over a period of time Rs 1000
invested at 8p.a every month for
just like a rolling snowball gathers snow
grows.
This is an hypothetical illustration to explain
the concept of Power of Compounding. Past
Performance may or may not be sustained in future.
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It always pays to start early save for
retirement
A holds for 30 years
B holds for 20 years

• A B invest Rs. 2000 every month, earning
  interest _at_ 8 p.a. on a monthly compounding basis
• A starts at the age of 25 yrs, while B starts
  investing at the age of 35 yrs
• Both of them invest for 5 yrs ( Rs. 1.2 lacs)
  and hold their investments till 60 yrs. of age
• As investment appreciated to over Rs.14,88,603
  while Bs investment grew to only Rs. 6,89,511

Only an illustration to explain the power of
compounding.
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Dont Time the Market
Scenarios Investor buys at Market Peaks Investor buys at Market Lows Investor buys at constant interval
BSE Sensex 16.69 23.09 19.12
BSE 100 17.64 24.73 20.58
Reliance Growth Fund-Retail Plan- Growth Plan Growth Option (RGF) 36.65 42.13 38.28
Reliance Regular Savings Fund-Equity Option- Growth Plan (RRSF- EQ) 27.16 47.92 36.03
Rs 10,000 invested every year for a period of 12
years in RGF from Jan 96 to April 08 in RRSF-
EQ for a period of 3 years from June 05 to April
08
Past Performance may or may not be sustained in
future. Returns as on 30th April 08
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Past Performance of SIP in Reliance Growth Fund
SIP Installment /Yrs 3 5 10 Since Inception
2,000 1,13,343 3,71,043 24,21,367 44,37,506
2,000 1,10,926 2,77,311 9,09,328 12,75,183
3,000 1,70,015 5,56,565 36,32,051 66,56,260
3,000 1,66,390 4,15,967 13,63,992 19,12,775
5,000 2,83,359 9,27,609 60,53,419 1,10,93,766
5,000 2,77,317 6,93,279 22,73,320 31,87,958
10,000 5,66,718 18,55,218. 1,21,06,839 2,21,87,533
10,000 5,54,634 13,86,559 45,46,641 63,75,917
15,000 8,50,078 27,82,827 1,81,60,258 3,32,81,300
15,000 8,31,951 20,79,838 68,19,962 95,63,875
RGF
BSE 100
Inception Date 8th Oct 1995. Returns are of
Retail Plan- Growth Plan Growth option as on
30th April 08 Past Performance may or may not be
sustained in future. The above table shows the
historical SIP performance of Reliance Growth
Fund (Retail Plan Growth Plan Growth option)
vis its benchmark BSE 100. For example A person
who had made an SIP of Rs 5000 p.m in the above
fund since inception on 8th Oct 1995 would have
invested Rs 7.55 lacs by 30th April 08 and have
earned a total amount of Rs 1.10 crs (As per the
highlighted cell)
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Make the right choice.

• Simple, straightforward way to create long term
  wealth
• Understand and embrace risk
• Put time on your side
• Invest systematically
• Dont worry about market timing
• A tried tested method

1
2

• The alternative is to
• Follow markets very closely
• Time your entry and exit very well
• Select your stocks judiciously
• And hope that you get it right more
• often than not!

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Systematic Investment Plan (SIP) its benefits
SIP is a long term investment technique under
which you invest a fixed sum of money on a
monthly or quarterly basis in a mutual fund
scheme at the prevailing NAV. This allows you
to save and invest regularly while you are
earning.
Protects against market volatility
Improves probability of better returns
Helps averaging cost of investment
Eliminates need for timing markets
Inculcates savings habit
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Here comes the most sought after product..
Do you want an investment technique which can
make you invest regularly??
Are you looking at investing for the long term??
Choose Reliance SIP Insure
then
Do you want a free life insurance cover??
Do you want your planned investments to be
completed after your unforeseen death??
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A unique facility to Save, Grow Insure
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Investor Benefits- Save, Grow Insure
Free Life Insurance Cover- Enjoy Insurance on
SIPs
Ensuring that the planned investments are
completed
Market Linked NAV based maturity proceeds
Why Reliance SIP Insure ?
Eliminates need for timing markets
Helps averaging cost of investment
Inculcates savings habit
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Reliance SIP Insure- What is it?
An add-on feature of life insurance cover under a
Group Term Insurance provided to individual
investors with a view to encourage individual
investors to save and invest regularly through
Systematic Investment Plan (SIP) and help them
achieve their financial objective without any
extra cost. Objective In the unfortunate event
of death of an investor before completing the
opted SIP tenure, the balance amount towards the
SIP installments remaining unpaid shall be made
good from the life insurance cover and the
nominee would be able to continue in the scheme
without having to make any further contribution
Nominee account would mean nominee in case of
single holding second or joint holder in case
of Joint Holding
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Reliance SIP Insure Product Features

• All individual investors enrolling for
  investments via SIP and opting for Reliance SIP
  Insure
• Only individual investors whose completed age at
  entry is greater than 20 years and less than
  46 years.
• In case of multiple holders in the any scheme,
  only the first unit holder will be eligible
  for the insurance cover.

• Minimum Investment per installment Rs.2000 per
  month. There is no upper limit
• Minimum Period of Contribution 3 years and in
  multiples of 1 year thereafter.
• Maximum Period of Contribution 15 years OR
  till attaining 55 years of age, whichever is
  earlier (e.g., a person can register an SIP of
  maximum 10 yrs at the age of 45 yrs.) The
  insurance cover ceases when the investor becomes
  55 years of age.
• Mode of payment of SIP installments is only
  through Direct Debit ECS ( Post Dated
  Cheques shall not be accepted )

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Reliance SIP Insure Product Features

• Load Structure
• The Entry Load under Reliance SIP Insure shall
  be same as applicable to normal purchase
  /additional purchase transactions.
• However, there will an Exit Load of 2, if the
  accumulated units acquired or allotted under
  Reliance SIP Insure are redeemed or switched out
  to another scheme before the maturity of SIP
  tenure as opted in the respective scheme either
  by the SIP-Insure unitholder or by the
  nominee, as the case may be.
• In the event of the death of the unitholder, if
  the Nominee chooses to redeem the outstanding
  balance of units before completing the opted SIP
  tenure the repurchase of units shall be
  subject an exit load of 2
• However, if the units are redeemed on completing
  the opted SIP tenure, there will not be any
  exit load in the respective scheme.

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Reliance SIP Insure Product Features

• Commencement of Insurance Cover The Insurance
  cover shall commence after waiting period of 90
• days from the commencement of SIP installments.
  However the waiting period will not be applicable
  in
• respect of accidental deaths.
• Amount of Life Insurance Cover Available
• An amount equivalent to the aggregate balance of
  unpaid SIP installments, subject to a maximum of
  Rs.10 lakhs per investor across all schemes /
  plans and folios
• This amount will be invested in the Nominees
  account, in the same scheme/s under which the
  deceased investor has enrolled for SIP
• The investment will be at the applicable price
  based on the closing NAV on the date on which
  the cheque for insurance claim settlement is
  received by the AMC from the insurance company,
  subject to completion of requisite procedure for
  transmission of units in favour of the nominee.

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Reliance SIP InsureHow does this work?
An investor does a monthly SIP of Rs. 10,000 for
5 years in Reliance Growth Fund
If he dies after a period of 3 yrs, then his Sum
Assured Unpaid SIP installments 2 yrs ( 5
yrs-3 yrs) X 12 months X 10, 000 Rs 2,40,000
This amount will be paid by life insurance
company to SIP investors nominee account
with Reliance Mutual Fund and will be invested in
Reliance Growth Fund (in the same scheme in which
the deceased has earlier invested)
Nominee account would mean nominee in case of
single holding second or joint holder in case
of Joint Holding
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Reliance SIP Insure Product Features
One can aim to have a target insurance cover as
per ones requirement by referring to the matrix
attached below
Life Insurance Cover/Yrs 3 5 10 15
1,000,000 27,778 16,667 8,334 5,556
900,000 25,000 15,000 7,500 5,000
800,000 22,222 13,333 6,667 4,444
700,000 19,444 11,667 5,833 3,889
600,000 16,667 10,000 5,000 3,333
500,000 13,889 8,333 4,167 2,778
400,000 11,111 6,667 3,333 2,222
300,000 8,333 5,000 2,500 1,667
200,000 5,556 3,333 1,667 1,111
100,000 2,778 1,667 833 556
Cells in yellow would not be applicable under
Minimum SIP amount category under Reliance SIP
Insure Facility
The table shows the SIP amount per month to be
invested for the required combination of Eligible
Insurance Cover Tenure. For example, to have a
maximum cover of Rs 10 lacs at the time of
registration in Reliance SIP Insure Facility, one
can invest Rs 5,556 p.m for a period of 15 yrs as
per the cell highlighted in pink.
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Reliance SIP Insure Product Features

• If the aggregate total of SIP installments
  remaining unpaid under all schemes is less than
  or equal to Rs. 10 Lakhs, then the life insurance
  cover shall be equal to the actual unpaid
  balance in the respective schemes.
• If the aggregate total of SIP installments
  remaining unpaid under all schemes is greater
  than Rs. 10 Lakhs all the SIPs start on the
  same date, then the life insurance cover shall
  be equal to Rs. 10 Lakhs, which shall be
  allocated / invested proportionately in the
  respective scheme folios.
• If the aggregate total of SIP installments
  remaining unpaid under all schemes is greater
  than Rs. 10 Lakhs all the SIPs start on the
  different dates, then the life insurance cover
  shall be equal to Rs. 10 Lakhs, which shall be
  allocated / invested on First in First out basis
  in the respective scheme folios.

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Reliance SIP Insure Product Features

• Eligible schemes
• Reliance Growth Fund - Retail Plan
• Reliance Vision Fund - Retail Plan
• Reliance Equity Opportunities Fund - Retail Plan
• Reliance Equity Fund - Retail Plan
• Reliance Equity Advantage Fund- Retail Plan
• Reliance Regular Savings Fund Equity option
• Reliance Regular Savings Fund Balanced option
• Reliance Banking Fund
• Reliance Pharma Fund
• Reliance Media Entertainment Fund
• Reliance Diversified Power Sector Fund Retail
  Plan

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Reliance SIP Insure Expiry of the policy

• The insurance cover shall cease upon occurrence
  of any of the following
• At the end of mandated Reliance SIP Insure
  tenure, i.e., upon completion of payment of all
  the monthly installments as registered.
• Discontinuation SIP installments midway by the
  investor i.e., before completing the opted
  SIP tenure /installments.
• Redemption / switch-out of units purchased under
  Reliance SIP Insure before completion the
  mandated SIP tenure / installments
• In case of default in payment of two consecutive
  monthly SIP installments or four separate
  occasions of such defaults during the tenure of
  the SIP duration chosen.

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Reliance SIP Insure Exclusions for Insurance
cover

• No insurance cover shall be admissible in respect
  of death of the SIP-Insure unitholder (the
  insured person) on account of -
• Death due to suicide
• Death within 90 days from the commencement of
  SIP installments except for death due to
  accident.
• Death due to pre-existing illness, disease(s) or
  accident which has occurred prior to the
  start of cover.

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Reliance SIP Insure Documentation

• It is mandatory for each investor to sign and
  submit the following documents under this
  facility
• Application Form
• ECS/ Direct Debit Form
• Personal Statement of Health
• Authorization Mandate (which forms a part of
  application form)

For our existing investors there is no need to
give the first SIP cheque
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Reliance SIP Insure Snapshot

• Reliance SIP Insure facility is an add on
  feature of life insurance cover under Group Term
  Insurance to individual investors opting for
  SIP in the designated schemes.
• Reliance SIP Insure provides free life insurance
  cover to investors at no extra cost. In the
  unfortunate event of the death of an
  investor during the tenure of the SIP, the life
  insurance company will pay for the balance
  amount towards the remaining unpaid SIP
  installments. An amount equivalent to the
  aggregate balance of unpaid SIP installments,
  subject to a maximum of Rs.10 lakhs per investor
  across all schemes /plans and folios will be
  invested in the Nominees account
• The said facility is provided in selected equity
  schemes of Reliance Mutual Fund
• Only individual investors whose completed age is
  greater than 20 years and less than 46 years at
  the time of investment.
• In case of multiple holders in the any scheme,
  only the first unit holder will be eligible for
  the insurance cover.
• Minimum Investment per installment Rs.2000 per
  month in multiples of Re 1 thereafter. There is
  no upper limit
• Minimum Period of Contribution 3 years and in
  multiples of 1 year thereafter.
• Maximum Period of Contribution 15 years OR till
  attaining 55 years of age, whichever is earlier
  (e.g., a person can register an SIP of
  maximum 10 yrs at the age of 45 yrs.) The
  insurance cover ceases when the investor
  attains 55 years of age.
• Mode of payment of SIP installments is only
  through Direct Debit ECS ( Post Dated Cheques
  shall not be accepted )

The group term cover will be approved only after
underwriting acceptance of the Personal Statement
of Health
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• Invest India Incomes and Savings Survey 2007
• The Survey consisted of two components
• 1. Complete household listing (over one million
  households) from randomly selected 1815 wards
  covering 852 towns and 931 villages, and
• 2. 96,088 representative individual respondent
  interviews (urban sample 72,979 respondents and
  rural sample of 23,109 respondents) carried out
  in the same locations.
• Respondents were drawn mainly from earning
  members of the Indian workforce who derive cash
  incomes from salaries, wages, profits and
  earnings from self employment and business
  activities (approximately 321 million persons
  nationally).
• The 321 million figure is the base figure from
  which they have done about over a million
  households and 96,088 in depth interviews.
• Data Source for this presentation
• This presentation is drawn from the data of the
  Invest India Incomes and Savings Survey which was
  completed in June 2007.
• This is based on in-depth interviews with 1 lakh
  respondents aged 18-59 yrs with cash incomes and
  supported by a household listing sample of 1
  million.
• The figures projected refer to the 321 million
  paid work force of India in the presentation.

Source IIMS Data Works survey
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Statutory Details Sponsor Reliance Capital
Limited Trustee Reliance Capital Trustee Co.
Limited Investment Manager Reliance Capital
Asset Management Limited. The Sponsor, the
Trustee and the Investment Manager are
incorporated under the Companies Act 1956. Free
life insurance cover provided as a part of an add
on feature called as Reliance SIP Insure
arranged and funded by Reliance Capital Asset
Management Limited through Reliance Group Term
Insurance Scheme of Reliance Life Insurance
Company Limited for insuring the outstanding SIP
Insure installments. Subject to Conditions Risk
Factors Reliance Growth Fund (Open-ended Equity
Growth Scheme) The primary investment objective
of the scheme is to achieve long term growth of
capital by investing in equity and equity related
securities through a research based investment
approach. Reliance Vision Fund (Open-ended
Equity Growth Scheme) The primary investment
objective of the scheme is to achieve long-term
growth of capital by investment in equity and
equity related securities through a research
based investment approach. Reliance Equity
Opportunities Fund (Open-ended Diversified Equity
Scheme) The primary investment objective of the
scheme is to seek to generate capital
appreciation provide long-term growth
opportunities by investing in a portfolio
constituted of equity securities equity related
securities and the secondary objective is to
generate consistent returns by investing in debt
and money market securities. Reliance Equity
Fund (An open-ended Diversified Equity Scheme)
The primary investment objective of the scheme is
to seek to generate capital appreciation
provide long-term growth opportunities by
investing in a portfolio constituted of equity
equity related securities of top 100 companies by
market capitalization of companies which are
available in the derivatives segment from time to
time and the secondary objective is to generate
consistent returns by investing in debt and money
market securities. Reliance Equity Advantage
Fund (Open ended Diversified Equity Scheme) The
primary investment objective of the scheme is to
seek to generate capital appreciation provide
long-term growth opportunities by investing in a
portfolio predominately of equity equity
related instruments with investments generally in
S P CNX Nifty stocks and the secondary
objective is to generate consistent returns by
investing in debt and money market securities.
Reliance Regular Savings Fund (An open ended
Scheme) Equity Option The primary investment
objective of this Option is to seek capital
appreciation and/or to generate consistent
returns by actively investing in equity / equity
related securities. Balanced Option The primary
investment objective of this Option is to
generate consistent return by investing a major
portion in debt money market securities a
small portion in equity equity related
instruments. Reliance Pharma Fund (Open-ended
Pharma Sector Scheme) The primary investment
objective of the scheme is to seek to generate
continuous returns by investing in equity and
equity related or fixed income securities of
Pharma and other associated companies. Reliance
Diversified Power Sector Fund (Open-ended Power
Sector Scheme) The primary investment objective
of the scheme is to seek to generate continuous
returns by actively investing in equity and
equity related or fixed income securities of
Power and other associated companies. Reliance
Media Entertainment Fund (Open-ended Media
Entertainment Sector Scheme) The primary
investment objective of the scheme is to generate
continuous returns by investing in equity and
equity related or fixed income securities of
Media Entertainment and other associated
companies. Reliance Banking Fund (Open-ended
Banking Sector Scheme) The primary investment
objective of the scheme is to generate continuous
returns by actively investing in equity and
equity related or fixed income securities of
Banks. Mutual Funds and securities investments
are subject to market risks and there is no
assurance and no guarantee that the Schemes
objectives will be achieved. As with investments
in any securities, the NAVs of the units issued
under the Scheme can go up or down depending on
the factors and forces affecting the securities
market. Past performance of the
Sponsor/AMC/Mutual Fund is not indicative of
future performance of the Scheme. Reliance Growth
Fund, Reliance Vision Fund, Reliance Equity
Opportunities Fund, Reliance Equity Fund,
Reliance Equity Advantage Fund and Reliance
Regular Savings Fund are only the names of the
scheme and do not in any manner indicate either
the quality of the Scheme, its future prospects
or returns. The Sponsor is not responsible or
liable for any loss resulting from the operation
of the Schemes beyond their initial contribution
of Rs.1 lac towards the setting up of the Mutual
Fund and such other accretions and additions to
the corpus. The NAV of the Schemes may be
affected, interalia, by changes in the market
conditions, interest rates, trading volumes,
settlement periods and transfer procedures. The
Mutual Fund is not guaranteeing or assuring any
dividends/ bonus. The Mutual Fund is also not
assuring that it will make periodical dividend/
bonus distributions, though it has every
intention of doing so. All dividend/ bonus
distributions are subject to the availability of
distributable surplus in the respective Scheme.
For details of scheme features and scheme
specific risk factors please refer to the scheme
Offer Documents. Offer Document and KIM cum
application form is available at all the DISCs/
Distributors of RMF/www.reliancemutual.com.
Please read the offer document of the respective
scheme carefully before investing.
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