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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

    SECTORS 2008 2009 CHANGE

    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)

    Non Ferrous Metals 1.77 5.65 3.88

    Power 2.38 3.95 1.57

    Cement 2.51 1.54 (0.97)

    Hotels 2.71 - -

    Ferrous Metals 2.76 0.25 (2.51)

    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)

    Telecom Services 4.27 9.19 4.92

    Industrial Products 4.44 1.30 (3.14)

    Textile Products 4.59 1.32 (3.27)Pharmaceuticals 5.00 9.99 4.99

    Industrial Capital Goods 5.07 2.22 (2.85)

    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

    SECTORS 2008 2009 CHANGE

    Finance 0.03 - -

    Hardware 1.75 - -

    Consumer Durables 2.19 0.58 (1.61)

    Chemicals 2.64 0.96 (1.68)

    Non Ferrous Metals 2.82 4.92 2.1

    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)

    Ferrous Metals 4.43 1.24 (3.19)

    Cement 5.20 1.50 (3.7)

    Software 5.92 16.19 10.27

    Telecom Services 6.27 7.51 1.24

    Industrial Products 11.10 1.60 (9.5)

    Petroleum Products 13.76 14.33 0.57

    Industrial Capital Goods 14.59 5.27 (9.32)

    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

    SECTORS 2008 2009 CHANGE

    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

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    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

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    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