The way you have been investing:
.
| Step
1 |
Ascertain
your desirable asset allocation |
| Step
2 |
Identify
4 to 5 funds that have a long term
track record of consistent performance |
| Step
3 |
Invest
in these funds in line with your asset
allocation |
| Step
4 |
Track
each of these funds periodically and
also review your asset allocation
based on market conditions |
| Step
5 |
Correct
cource... rebalance your portfolio,
worry about taxes etc.. |
| Step
6 |
Go
to Step 4 |
The
way you can Invest now:
| Step
1 |
Ascetain
your suitable asset allocation |
| Step
2 |
Invest
in FT India Life Stage Fund of Funds |
| Step
3 |
Relax
and Enjoy |
|
|
.
Introduction
Making investments to achieve your financial
dreams is a multi-stage process that includes
making an asset allocation decision based
on the risk profile and then choosing
the right investment options. Please click here
to determine your asset allocation.
However market movements often make a
carefully drawn out asset allocation plan
go haywire. For instance, if your ideal
allocation were 65:35 to equity and fixed
income respectively, an appreciation of
60% in equities and 6% in fixed income
can result in the asset allocation changing
to 74:26, exposing you to a higher risk.
Conversely, a fall in the stock markets
can reduce your equity allocation, making
you lose out on future growth opportunities.
To revert to your steady state asset allocation,
you could rebalance your portfolio, but
that would require time and effort, and
may not always be efficient from a taxation
perspective.
Designed to take care of the complete
investment process - from asset allocation
to disciplined rebalancing, and providing
a simple investment solution is FT India
Life Stage Fund of Funds (FTLF).
.
|
| The
Fund |
|
FTLF is an open end fund of funds that seeks to generate
superior risk adjusted returns to investors
in line with their asset allocation. The
fund offers a choice of four asset allocation
plans:
|
| Plans |
Equity
|
Debt
|
For Investments with..
|
| The
20s Plan |
80%
|
20%
|
Aggressive
investment risk appetite |
| The
30s Plan |
55%
|
45%
|
Growth
investment risk appetite |
| The
40s Plan |
35%
|
65%
|
Balanced
investment risk appetite |
| The
50s Plus Plan |
20%
|
80%
|
Conservative
investment risk appetite |
| The
50s Plus Floating Rate Plan |
20%
|
80%
|
Low
Conservative investment risk appetite |
|
Steady
state asset allocation
|
|
The
scheme has an inbuilt rebalancing
feature that makes each plan revert
to the above steady state asset
allocation every six months. This
ensures that you stay steadfast
to your chosen asset allocation,
automatically!
|
|
.
The Underlying Funds
The equity and debt component
in various plans of FTLF will be invested
in the flagship funds from the Franklin
Templeton stable, which have a solid performance
track record over the long term.
| Plan |
FIBCF |
FIPF |
TIGF |
TIIF |
TIIBA |
TFIF(LT) |
| The
20s Plan |
50% |
15% |
15% |
10% |
10% |
0% |
| The
30s Plan |
35% |
10% |
10% |
25% |
20% |
0% |
| The
40s Plan |
15% |
10% |
10% |
35% |
30% |
0% |
| The
50s Plus Plan |
10% |
0% |
10% |
40% |
40% |
0% |
| The
50s Plus Floating Rate Plan |
10% |
0% |
10% |
0% |
0% |
80% |
|
Steady sate asset
allocation
|
|
| Franklin
India Bluechip Fund (FIBCF) |
Large
cap focused diversified equity fund |
| Franklin
India Prima Fund (FIPF) |
Medium
& Small cap focussed diversified
equity fund |
| Templeton
India Growth Fund (TIGF) |
Large
cap, 'Value' Focus, diversified equity
fund |
| Templeton
India Income Builder Fund (TIIBA) |
Moderatly
aggresive income fund |
| Templeton
India Income Fund (TIIF) |
Conservatively
managed income fund |
| Templeton
Floating Rate Income Fund (TFIF) |
Conservatively
managed floating rate fund |
|
Each
fund is distinct, ensuring that your portfolio
is diversified across asset classes and investment
styles.
| Performance Snapshot |
|
Last
6 Months |
Last
1 Year |
Last
3 Years** |
Last
5 Years** |
Since
Inception** |
| The 20s
Plan |
54.62% |
18.40% |
13.76% |
21.93% |
20.29% |
| Benchmark* |
52.78% |
11.54% |
13.21% |
21.30% |
18.81% |
| The 30s
Plan |
37.56% |
18.06% |
11.73% |
16.82% |
15.51% |
| Benchmark* |
35.88% |
13.18% |
12.07% |
16.86% |
14.98% |
| The 40s
Plan |
32.13% |
17.29% |
10.53% |
13.22% |
12.19% |
| Benchmark* |
23.30% |
13.50% |
10.63% |
12.91% |
11.53% |
| The 50s
Plus Plan |
21.91% |
15.71% |
9.63% |
9.87% |
8.92% |
| Benchmark* |
13.92% |
12.92% |
9.06% |
9.88% |
8.78% |
| The 50s
Plus Floating Rate Plan |
15.53% |
12.64% |
10.90% |
11.27% |
11.26% |
| Benchmark* |
14.17% |
9.93% |
9.60% |
10.65% |
10.76% |
| Past performance
may or may not be sustained in the
future. As on July 31, 2009.
*Benchmark: The 20s Plan - 65% BSE Sensex + 15% S&P CNX 500 + 20% Crisil Composite Bond Fund Index; The 30s Plan - 45% BSE Sensex + 10% S&P CNX 500 + 45% Crisil Composite Bond Fund Index; The 40s Plan - 25% BSE Sensex + 10% S&P CNX 500 + 65% Crisil Composite Bond Fund Index; The 50s Plus Plan - 20% BSE Sensex+ 80% Crisil Composite Bond Fund Index; The 50s Plus Floating Rate Plan - 20% BSE Sensex + 80% Crisil Liquid Fund Index.
** Compounded and
annualised.
|
Why
should you invest in FTLF ?
-
You
can access a portfolio of five top performing
funds with different investment styles,
with one investment
-
No
more worries about which fund to buy and
sell – FTLF does this for you, automatically,
and in a tax efficient manner
-
The
in-built rebalancing feature ensures that
market movements do not make your asset
allocation go astray.
-
Benefits
of a steady strategic asset allocation,
with a market based overlay of tactical
asset allocation can enhance risk adjusted
returns
Summing
up
Investing
for our long term financial goals has always
been a high involvement activity for most of
us... first you arrive a suitable asset allocation,
then create a diversified portfolio by investing
in various schemes, track each investment periodically,
rebalance at regular intervals to stay tuned
to the asset allocation, make adjustments based
on market conditions, keep track of capital
gains and losses, and so on and so forth
FT India Life Stage Fund of Funds (FTLF) takes
care of all these issues, efficiently and automatically
for you
Fund information
| Net Asset Value |
Calculated and disclosed on all business days |
|
Minimum Investments :
|
|
New
Investment
Additional Investments |
Rs.
5000
Rs. 1000 |
| Load |
| Plan |
Entry Load |
Exit Load |
|
The 20s Plan |
Nil |
In respect of each purchase of Units - 1% if redeemed within 1 year of allotment |
| The
30s Plan |
Nil |
In respect of each purchase of Units - 0.75% if redeemed within 1 year of allotment |
| The
40s Plan |
Nil |
In respect of each purchase of Units - 0.5% if redeemed within 1 year of allotment |
| The
50s Plan |
Nil |
In respect of each purchase of Units - 0.25% if redeemed within 1 year of allotment |
| The
50s Plan Floating Rate Plus |
Nil |
In respect of each purchase of Units - 0.25% if redeemed within 1 year of allotment |
|
| Tax Benefits |
Indexation Benefits
Units are not liable to wealth tax and
gift tax.
No TDS on Redemptions for resident investors |
|
