Fund Portfolio

To provide adequate returns keeping in mind the safety of investments and maintaining adequate liquidity to meet policyholder obligation. We ensure the investments made, whether in equity or debt are in accordance with the guidelines set out by IRDAI and adhere to the best risk management practices. Investments are made in securities with long term horizons within the guidelines set out by IRDAI to enable us to ride out periods of volatility and outperform respective benchmarks. Equity investments are mostly in blue chip companies and debt investments are in Government securities and quality corporate bonds with higher credit rating.

Fund options for savings plans & child progress plans

Fund Name	Investment Objective	Asset Allocation	Risk Profile
Debt Fund (ULIF00127/08/08FIXEDIFUND140)	To generate steady returns at lower risk by investing in a range of debt securities.	Govt. Securities: 50 % to 100%, Corporate Bonds: 0% to 50%, Money Market/Cash: 0% to 40%	Low
Liquid Fund (ULIF00920/01/11LIQUIDFUND140)	To generate steady return at lower risk by investing in a range of short-term debt/liquid money market securities	T-Bill/Money Market/Cash: 100%	Low
Balance Fund (ULIF00227/08/08BALANCFUND140)	To generate balanced returns by investing in debt securities to provide stability and by investing in equities to provide potentially enhanced returns through capital appreciation	Equity: 10% to 50%, Govt. Securities: 20% to 50%, Corporate Bonds: 0% to 50%, Money Market/Cash: 0% to 40%	High
Growth Fund (ULIF00327/08 /08GROWTHFUND140)	To generate higher return through capital appreciation in long term by investing in a diversified portfolio of equities. Debt investment will provide some stability and diversification.	Equity: 40% to 80%, Govt. Securities: 10% to 30%, Corporate Bonds: 0% to 30%, Money Market/Cash: 0% to 40%	High
Large Cap Equity Fund (ULIF00427/08 /08LARCAPFUND140)	To generate higher return through capital appreciation in long term from a portfolio invested predominantly in large cap equities.	Equity: 60% to 100%, Money Market/ Cash: 0% to 40%	High
Discontinued Policy Fund (ULIFO1024/02 /11DISCONFUND140)	To generate steady return at lower risk when the policyholder surrenders the policy or discontinues premium payment during the lock in period. The currently prevailing minimum guaranteed rate of interest applicable to discontinued fund is 4% percent per annum	Govt Securities: 60% to 100% Money Market/Cash: 0% to 40%	Low
Multi Cap Opportunities Fund (ULIF01106/02 /18MULCAPOPPO140)	To generate capital appreciation for policyholders by dynamically investing across assets to capitalize on changing market conditions. The scheme aims to invest primarily in equities and to mitigate market volatility, in fixed income securities, including money market instruments. The investments will be market capitalization agnostic and will focus on growth oriented opportunities.	Equity: 50%-100% Govt Securities & Corporate Bonds: 0%-30%, Money Market Instruments/Cash: 0%-50%	Low

Fund options for retirement plans

Fund Name	Investment Objective	Asset Allocation	Risk Profile
Pension Debt (ULIF00509/02/09PENDEBFUND140)	To generate steady return at lower risk by investing in a range of debt securities.	Govt. Securities & Corporate Bonds: 60% to 100%, Equity: Nil, Money Market/Cash: 0% to 40%	Low
Balance Fund (ULIF00227/08 /08BALANCFUND140)	To generate balance return by investing in debt securities to provide stability and by investing in equities to provide potential to enhance the return through capital appreciation.	Govt. Securities & Corporate Bonds:20% to 90%, Equity: 10% to 40%, Money Market instruments/Cash:0% to 40%	High
Pension Growth Fund (ULIF00709/02/09PENGROFUND140)	To generate higher return through capital appreciation in long term by investing in a diversified equities. Debt investment will provide a little stability and diversification.	Govt. Securities & Corporate Bonds:0% to 60%, Equity: 40% to 80%, Money Market instruments/Cash: 0% to 40%	Very High
Pension Dynamic Equity Fund (ULIF00809/02 /09PENDYEFUND140)	To generate higher return through capital appreciation in long term from a diversified equity portfolio Government Securities & Corporate	Bonds: Nil, Equity: 0% to 100%, Money Market instruments/Cash: 0% to 100%	Very High