Download - Icici Prudential Amc- Sharika

8/6/2019 Icici Prudential Amc- Sharika

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WEALTH MANAGEMENT

PROJECT

Submitted By:

Sharika Kolenchery

PGDM

Rajagiri Business School


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1. Contact one investor with savings and one investor with wealth andtry to understand how their investment needs are met.

1) List products invested in

2) Analyze the asset classes and the asset allocation

3) The level of engagement with his/her service provider

Amount invested in Products

Investor with Savings:

Products Amount

Fixed Deposit 500000

Mutual Fund 250000

KSFE 150000

Shares 200000

Insurance 100000

Savings Account 150000

Investor with Wealth:

Products Amount

Real Estate 6400000

Mutual Funds 500000

Bonds 550000

Gold 2500000


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Asset Classes and Asset Allocation

For Savings:

Assets Classes Asset Allocation Weighted Allocation

Fixed Income 650000 48.2%

Bonds 250000 18.5%

Alternative Investments 250000 18.5%

Equity 200000 14.8%TOTAL 1350000

For Wealth:

Assets Classes Asset Allocation Weighted Allocation

Precious Metal 2500000 25.1%

Bonds 1050000 10.6%

Alternative Investments 6400000 64.3%

TOTAL 9950000


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Level of Engagement with Service Providers

For Savings:

Products Level Of Engagement

Fixed Deposit Low

Mutual Fund Medium

KSFE Medium

Shares High

Insurance MediumSavings Account Low

For Wealth:

Products Level Of Engagement

Real Estate NIL

Mutual Funds Medium

Bonds Medium

Gold NIL


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2. List the bonds/fixed income securities (Not MFs, Not Insurance) anIndian investor can invest in to seek tax deduction, exemption or

avoidance

Section 80C The section 80C of the IT laws provide exemption from income

tax on amounts that are invested by the individual. This usually includes the

amount the individual invests in certified instruments that are exempt from

tax. They are:

PF Provident Fund (A portion of your salary is deducted by youremployer as PF and would be remitted to the PF house that is

maintained by the government of India. A maximum of 12% of your

basic Salary is eligible for exemption from income tax)

PPF Public Provident Fund NSC National Savings Certificate KVP Kisan Vikas Patra 5 year bank fixed deposits Investment in with banking institution Investment in financial institution working for Industrial Development of

India

Investment in a public company limited working for providing long term

financing of housing accommodation


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3. ICICI Prudential AMC1) List the top performing funds in large cap diversified Equity, Balanced

Fund and Debt Fund

2) Compare their portfolios as of 1/Jan/2008 and 1/Jan/2009

3) Briefly describe their load structures.

Top performing Equity Funds:

ICICI Prudential Infrastructure Fund

SECTORS 2008 2009 CHANGE

Dredging 0.45 - -

Hotels 0.52 0.77 0.25Transportation 0.85 1.88 1.03

Textile Products 0.87 0.28 (0.59)

Gas 1.60 0.97 (0.63)

Auto Ancillaries 1.80 0.61 (1.19)

Auto 1.86 - -

Industrial Products 2.95 0.49 (2.46)

Non Ferrous Metals 3.01 4.18 1.17

Finance 3.70 0.81 (2.89)

Oil 4.32 2.98 (1.34)

Cement 5.18 0.92 (4.26)

Telecom Services 5.26 9.05 3.79

Power 5.47 5.73 0.26

Construction 5.59 3.47 (2.12)

Banks 6.13 21.21 15.08

Petroleum Products 9.46 6.39 (3.07)

Ferrous Metals 12.32 4.38 (7.94)

Industrial Capital Goods 13.07 1.66 (11.41)

Construction Durables 0.13 -

Diversified 0.80 -


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ICICI Prudential Dynamic Plan


Oil 0.24 2.01 1.77

Pesticides 0.79 1.51 0.72Construction 0.90 1.57 0.67

Auto Ancillaries 0.95 2.35 1.4

Fertilizers 1.46 1.13 (0.33)


Power 2.38 3.95 1.57

Cement 2.51 1.54 (0.97)

Hotels 2.71 - -


Software 2.95 3.69 0.74

Finance 3.79 - -

Consumer Non Durables 4.02 8.89 4.87

Auto 4.11 0.07 (4.04)



Textile Products 4.59 1.32 (3.27)Pharmaceuticals 5.00 9.99 4.99


Media & Entertainment 9.69 0.82 (8.87)

Banks 9.92 15.91 5.99

Petroleum Products 12.37 5.12 (7.25)

Telecom Equipment & Acce - 5.12 -

Chemicals - 1.12 -

Diversified - 2.00 -


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Top Performing Balanced Fund:

ICICI Prudential Balanced Fund


Finance 0.03 - -

Hardware 1.75 - -

Consumer Durables 2.19 0.58 (1.61)

Chemicals 2.64 0.96 (1.68)


Construction 3.05 3.11 0.06

Textile Products 3.26 0.95 (2.31)

Media & Entertainment 3.93 - -

Auto 4.42 2.65 (1.77)


Cement 5.20 1.50 (3.7)

Software 5.92 16.19 10.27



Petroleum Products 13.76 14.33 0.57


Banks 14.61 9.40 (5.21)

Oil - 9.42 -

Consumer Non Durables - 7.16 -

Diversified - 5.71 -

Power - 4.00

Pharmaceuticals - 2.88 -

Telecom- Equipment &

Acce:

- 0.60 -


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Top Performing Debt Fund:

ICICI Prudential Floating Rate Plan


PSU/ PFI Bonds 2.58 - -

Private Corporate

Securities

24.97 5.24 (19.73)

CPs, CDs & Term

Deposits

67.82 79.18 11.36

Cash, CBLO & ReverseRepo

3.64 14.84 11.2

Other Current Assets 1.00 0.73 (0.27)


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Performance of funds for last 1 year:

Equity Fund

ICICI Prudential Infrastructure

Month Assets

(Rs. in

cr.)

Jan-08 4140.01

Feb-08 4240.53

Mar-08 4090.15

Apr-08 4682.84

May-08 4203.81

Jun-08 3794.06

Jul-08 3548.85

Aug-08 3900.92

Sep-08 3717.74

Oct-08 2707.63

Nov-08 2408.8

Dec-08 2537.24

Jan-09 2552.68

0

500

1000

1500

2000

2500

3000

3500

4000

4500

5000

Series1


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Balanced Fund:

ICICI Prudential Balanced Fund

Month Assets

(Rs. in

cr.)

Jan-08 406.12

Feb-08 404.96

Mar-08 361.11

Apr-08 349.56

May-08 350.16

Jun-08 314.06

Aug-08 303.73Sep-08 289.58

Oct-08 226.79

Nov-08 212.9

Dec-08 218.72

Jan-09 217.43

0

50

100

150

200

250

300

350

400

450

Assets (Rs. in cr.)

Assets (Rs. in cr.)


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Load Structure

1. ICICI Prudential Infrastructure FundEntry Load: 2.25%

Exit Load: 1.00%

2. ICICI Prudential Dynamic PlanEntry Load: 2.25%

Exit Load: 1.50%

3. ICICI Prudential Balanced FundEntry Load: 2.25%

Exit Load: 1.00

4. ICICI Prudential Floating Rate FundEntry Load: NA

Exit Load: NA

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