2 About Our Equity Investment Team Ajay Tyagi, CFA Ankit Agarwal Swati Kulkarni, CFA Sanjay Dongre Rajeev Kumar V Srivatsa Fund Manager Fund Manager Fund Manager Fund Manager Gupta Fund Manager Fund Manager Vetri Subramaniam Head Equity & Fund Manager Collective Work Experience of Investment Team Over 260 Years Nitin Jain Sachin Trivedi, CFA Amit Premchandani, CFA Kamal Gada, CFA Vishal Chopda, CFA Sharwan Goyal, CFA Research Analyst Head of Research & Fund Manager Fund Manager Fund Manager Fund Manager IT, Internet Sector, FMCG, QSR, Retail, Fund Manager Banks, NBFCs, Cement Overseas Investment Oil & Gas Energy, Fertilizer, Media, Consumer Durable, Telecom Average Work Chemicals, Pharma Experience of Fund Managers Over 21 Years Average Work Experience of Parag Chavan, CFA Preethi R S Deepesh Agarwal Akash Shah Ayush Analysts Research Analyst Research Analyst Research Analyst Research Associate Harbhajanka Over 10 Years Metals & Mining, Utilities, Auto Ancillaries, Capital Goods, Textiles Research Associate Building Materials, Sugar, Insurance, HFC & Infra - Construction Healthcare, Hotels NBFCs FMCG – Fast-Moving Consumer Goods; QSR – Quick Service Restaurants; IT – Information Technology; HFC – Housing Finance Company; NBFC – Non-banking Finance Company
3 About Our Fixed Income Team Amandeep Chopra Head of Fixed Income MBA Total Exp: 27 yrs With UTI MF: 25 yrs Mutual Fund Sudhir Agarwal Ritesh Nambiar Sunil Patil Amit Sharma Fund Manager Fund Manager Fund Manager Fund Manager MBA & CFA MBA, CFA & FRM MFM & M.Com CA,FRM Total Exp: 14 yrs Total Exp: 14 yrs. Total Exp: 30 yrs. Total Exp: 11 yrs. With UTI MF: 10 yrs With UTI MF: 11 yrs With UTI MF: 30 yrs With UTI MF: 11 yrs Retirement Manish Joshi Solution & Rahul Aggarwal Shilpita Guha Offshore Fund Manager PMS, Portfolio Manager CIO MSc, MFM BE, MBA (Finance) MSc (Economics), MBA Total Exp: 22 yrs Total Exp: 10 yrs Total Exp: 30 yrs With UTI MF: 22 yrs With UTI MF: 3 yrs With UTI MF: 30 yrs Ayushi Rathore Pratik Jain Subhradeep Mitra Research Research Analyst Research Analyst Research Analyst CA MBA (Finance) MBA (Finance) Total Exp: 2 yrs Total Exp: 6 yrs Total Exp: 7 yrs With UTI MF: 1 Week With UTI MF: 1 Yr With UTI MF: 1 Yr
4 Fixed Income Investment Process Internal Inputs External Inputs Board of Directors Scheme Offer Document (Internal Norms/Delegation) (Investment objective/Guidelines) Dealing Team Debt & Economic Provides market inputs on Call Research Reports market, G-sec & Corp. Debt Inputs from Strategic Meeting & Partner Conference Calls Fund Managers & Investment Committee Newswire & Inputs from UTI Research Bloomberg Team Review Mechanism Investment Decision I Risk Management I Control Mechanism /Function I Fixed Income Steering Committee I I Compliance I Risk Management I I Meeting with Board of Directors I I Audit I Execution Independent Dealing team
5 Product Positioning High risk UTI CCF- Investment Plan UTI Hybrid Equity Fund Medium risk UTI Multi Asset Fund UTI ULIP UTI CCF-Savings UTI RBP UTI Equity Savings Fund Low risk UTI Regular Savings Fund UTI Arbitrage Fund Low return Medium Return High return
6 Life events require planning for every stage Changing Income Life Stage Planning Stage 1 Stage 2 Stage 3 Stage 4 • Stage 1-Single • Starting career • Marriage • Income Security • Servicing long term • Stage 2- Couple debt • Owning Home • No dependant • Planning for child • Stage 3-Family & • Reducing debt levels • Raising child & Property planning for • Short Term Debt • Long term debt education • Preparing for • Stage 4-Pre retirement Retirement stage • Planning for retirement Changing Needs & Wants
7 Higher education cost multiplying the burden to family budget… Law Medical from private MBA from IIM Engineering from IITs colleges degree Rs. 19 lacs to 29 lakhs Rs. 10 lacs to 16.6 Rs.3.6 lakhs Rs. 10 Lakhs Lakhs over 5.5 yrs Current Study period of 5 4 year course 2 year course Govt colleges – Rs. years 4 to 5 lacs Rs. 27 lac Rs. 7 Lakhs# Rs. 45 Lacs Rs.16.5 lacs (IIM Ahmadabad) (Bits Pilani) (KMC Manipal) (NUJS Kolkata) 10 yrs later Study period of 5 Study period of 2 Study period of 4 Study period of 5 years years years years Data Source: TOI, HT, Manipal portal for the current data. Inflation assumed to be 3.5% # only tuition fee considered Data source: Aviva # only tuition fees considered Inflation assumed @ 3.50%
8 Hence Planning & Investing from an early stage is critical… It’s a necessity Cost are To meet the and not a increasing unforeseen choice manifold events if any Estimated annual growth of 5%-10% in Govt lacks resources to support Family causality can leave you different professional cources in next 10 every household short of funds years * * -Source: Data & views are based on a survey done by Assocham in cities like Delhi, Mumbai Lucknow, Dehradun, Pune Bangalore, Chennai, Chandigarh in the month April May 2015 (1600 working parents)
9 Long Term investing pays off… Accumulated corpus @ various rate of returns considered below Amount Numbers of invested per Years month 8% 10% 12% 15% Rs.5000 5 3,69,833 3,90,411 4,12,431 4,48,408 Rs.5000 10 9,20,828 10,32,760 11,61,695 13,93,286 Rs.5000 15 17,41,725 20,89,621 25,22,879 33,84,315 Rs.5000 20 29,64,736 38,28,484 49,95,739 75,79,774 Staying long allows the investment to Rs.5000 25 47,86,832 66,89,451 94,88,175 1,64,20,368 benefit and grow Rs.10000 5 7,39,667 7,80,823 8,24,863 8,96,816 from a full market cycle Rs.10000 10 18,41,656 20,65,520 23,23,390 27,86,572 Rs.10000 15 34,83,451 41,79,242 50,45,759 67,68,630 Rs.10000 20 59,29,472 76,56,969 99,91,479 1,51,59,549 Rs.10000 25 95,73,665 1,33,78,903 1,89,76,350 3,28,40,737 Calculation based on Future Value ( excel) , investment assumed to be done at the beginning of the period. Amount invested per month is hypothetical and is only for illustration purpose only.
10 Amount required to be invested for a targeted corpus (monthly) In 5 years How much are You Targeted amount In 10 years time In 15 years time time saving Rs.15 lacs 19,210 7,262 3,589 ??? Rs.20 Lacs 25,614 9,683 4,786 ??? Higher the investment Rs.30 Lacs 38,420 14,524 7,178 ??? period , lower the monthly investment to reach the desired Rs.40 Lacs 51,227 19,365 9,571 ??? amount Rs.50 Lacs 64,034 24,206 11,964 ??? Calculation based on PMT formula ( excel) , rate assumed 10%, targeted amount are the assumed figures only for the purpose of illustration
11 In Summary Planning for children’s higher education assumes greater importance today ✓ Investors concerns should lead to early planning & investment for their children ✓ Need for “a well thought plan” ✓ Mutual Fund - a key investment solution towards children’s investment planning ✓
12 Presenting UTI Children's Career Fund - Savings Plan
13 UTI Children’s Career Fund – Savings Plan – Fund Snapshot Investment Objective Type of scheme An open ended fund for investment for The primary objective of the scheme is to invest predominantly in children having a lock in for at least 5 debt and money market instruments and part of the portfolio into years or till the child attains age of equity & equity related securities with a view to generating income majority, whichever is earlier and aim for capital appreciation. Fund Inception Benchmark 12 th July, 1993 CRISIL Short Term Debt Hybrid 60+40 Fund Index Asset Allocation Fund Manager Mr. Amandeep S. Chopra Indicative Allocation Risk Profile (Debt portfolio) – B.S.c. MBA [FMS (% of Total Assets) Delhi] Instruments (Equity Portfolio) Minimum Maximum *Mr. Vetri Subramaniam – B.com, PGDM Debt and Money market *Mr. Vishal Chopda – CFA,BE,PGDM instruments (including securitised 60% 100% Low to Medium debt)* Minimum Investment Equity & Equity related 0% 40% Medium to High Minimum initial investment is Rs 1,000/- instruments and in multiples of Re 1/-. Subsequent Medium to High minimum investment under a folio is Rs Units issued by REITs & InvITs 0% 10% 1,000/- and in multiples of Re 1/- or such other amount as may be * The fund may invest up to 50% of its debt portfolio in securitized debt. prescribed from time to time with no upper limit.` Mr. Amandeep Chopra – Managing fund since Dec-06 *Change of Fund manager effective from 30 th August 2019
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