1. Group 12

2. Financial Planning for the Age Group 22-25 years

3. What is Financial Planning? A process of determining an individual's financial goals, purposes in life and life's priorities, and after considering his resources, risk taking ability and current lifestyle, to detail a balanced and realistic plan on 'what needs to be done' to meet those goals It varies from person to person and should be updated from time to time

4. Why should youngsters do Financial Planning To work towards achieving short and long term goals To ensure a secure future To provide for unforeseen circumstances To earn better returns on their funds, which would otherwise be idle

5. What constitutes Financial Planning Making a detailed budget of incomes and expenses Start by allocating a fixed amount to save every month Adjust budget as per execution Invest the saved money in Financial Instruments

6. What Financial Instruments? Equity Markets Mutual Funds Systematic Investment Plans Fixed Income Instruments Insurance Commodities Market

7. What determines where one invests? Financial Objectives Priorities Risk Taking Ability Ability to Monitor Investments Idleness of Funds

8. Thumb Rules Common sense approach to managing your finances. It cannot change your situation overnight, it is a lifelong process Events beyond your control will affect your financial planning results Set measurable financial goals Be realistic in your expectations Understand the effects of each financial decision Re-evaluate your financial situation periodically Start planning as soon as you can Realise that you are in charge

9. STOCK MARKET CRASHES

10. The Wheels of Fortune The Wheels of Fortune +12%-30% +10% +50% -3% +3% -10% -50% +12%-4% +10% +35% -11% +9% +18% +4% WHEEL 1WHEEL 2

11. Mutual Funds Recent Schemes and Past performance

12. Basics of Mutual Funds Basics of Mutual Funds

13. Evolution of Mutual Funds Growth of Unit Trust of India (1964-87) Entry of Public Sector (1987-93) Emergence of Private Funds (1993-96) Growth and SEBI Regulations (1996-99) Emergence of a large and uniform industry (1999-2004) Consolidation and Growth (From 2004 onwards)

14. Pool their Money with Invest in Creates Passes back to Mutual Fund Operation Flowchart

15. Appointed by AMC Sponsor Company Mutual Fund Appointed by trustees Constituents of Mutual Fund

16. Why Mutual Funds? Portfolio Diversification Reduction of Risk Professional Management Liquidity

17. Reduction in Transaction Cost Transparency Favorable Returns Why Mutual Funds?

18. Net Asset Value NAV = (Market value of the assets) – (its liabilities) NAV/UNIT = Net Asset Value Number of Units Outstanding

19. Scheme TypePrevious NAV Latest NAV Change (Rs.) % Annual Return Standard Char Prem Open13.597823.22539.627570.80 Reliance R S -Equi Open15.066825.530210.463469.45 DBS Chola Opportunity Open26.450044.040017.590066.50 DWS Investment Opp Open22.930037.960015.030065.55 SBI Magnum Comma Open15.280024.62009.340061.13 (as on 26/02/2008) Top Performers- Equity Diversified Fund

20. Premier Equity Fund

21. AMC Standard Chartered Asset Management Co. Pvt. Ltd CategoryEquity – Diversified Scheme TypeOpen Ended Net Asset SizeRs. 690.70 cr.(as on 31/01/2008) DividendNo Dividends Declared Yet Premier Equity Fund About the Fund

22. 1Week1Month3Months6Months9Months1 Year 0.47 %-5.13 %0.65 %34.92 %45.13%70.80% Absolute Return (as on 26/2/2008) Premier Equity Fund NAV Performance

23. Assets Break-up (as on 31-01-2008)% Equity86.95 Non Convertible Debentures9.09 Others2.17 Current Assets1.23 Cash0.55 Asset Allocation Portfolio Premier Equity Fund

24. 52-week High 28.33 (Jan 07, 08)52-week Low 12.33 (Mar 07, 07) Premier Equity Fund NAV Chart

25. ICICI FUSION FUND

26. Structure5 year Close Ended Equity Diversified Scheme Investment Objective Generate long-term capital appreciation by investing predominantly in equity and equity related instruments of companies across large, mid and small market capitalization OptionsGrowth option Dividend option Benchmark IndexNifty Junior Net Assets7207.9 million (January 31, 2008 ) Expense Ratio2.17% ICICI FUSION FUND About the Fund

27. Asset Allocation Portfolio Type of Instruments Minimum Allocation (% of Net Assets) Maximum Allocation (% of Net Assets) Risk Profile of the instrument Equity and equity- related securities 70%100%Medium to High Debt, money market instruments and call money 0%30%Low to Medium ICICI FUSION FUND

28. NAV Return % (Growth) 1 week1 mth3 mths6 mths1 year NAV Growth 0.20%-5.54%-2.32%7.81%24.63% NAV Return % (Dividend) 1 week1 mth3 mths6 mths1 year NAV Growth 0.21%-5.55%-2.16%7.99%24.84% December 17, 2007 Dividend 10% ICICI FUSION FUND NAV Performance

29. Fund Performance ICICI FUSION FUND

30. Performance of Indian Mutual Fund Industry

31. Assets Under Management

32. Funds Mobilized by Private Sector

33. An Overview

34. Growth of Assets under Management R s. cr o r e

35. A “No” Surprise Fund Funds PeriodHDFC Growth Fund (%) HDFC Equity Fund (%) HDFC Top 200 Fund HDFC Capital Builder Fund (%) HDFC Long term Advantage Fund (%) HDFC Taxsaver (%) Last 5 years56.1557.8157.9958.1956.4660.90 Value of Rs. 1 lac invested on 01/01/03 926693.50975213.9 7 978076.04981012.8 9 933441.891070670.86 As on 31/12/2007

36. BE IT SMALL, BE IT BIG, INVEST EARLY, INVEST REGULARLY, BUT INVEST SMART Happy Investing In Mutual Funds

37. Compiled by Kinjal Mehta87 Nirav Patel97 Rashmi Soni112 Minal Thakkar113