UTI Retirement Benefit Pension Fund UTI MF presents UTI Retirement Benefit Pension Fund (An open ended notified Tax Savings cum Pension Scheme)

Presentation Flow.. What is Retirement Planning ? Why Retirement Planning now ? Retirement Planning & Tools RBPF – Key Features & Benefits RBPF – Facts & Figures

What is Retirement Planning ? Focus on: - Determining what you want to do in retirement years - Determining how you will finance your retirement

Why Retirement Planning Now? Migration of children and collapse of joint family system Increased life expectancy Increased expenses on health Pensions, if any, Insufficient to sustain the living standards Increased Cost of Living/Spending patterns Savings to last for atleast 2 decades

Some Misconceptions About Retirement My expenses will drop when I retire My retirement will only last for 10 – 15 years Pensions , if any , will be sufficient to sustain the living standards My pension amount will keep pace with inflation My employer’s health insurance plan will cover my medical expenses. There is plenty of time for me to start saving for retirement. I cant afford to save much just now – a little saving won’t get anywhere

Generally accepted Investment Avenues for Retirement Planning PPF PF 3. EPF Mutual Fund Pension Schemes Retirement Planning products from Insurance 6. Other customized Individual Products

The Right Solution UTI – Retirement Benefit Pension Fund The scheme aims to provide pension to investors particularly self-employed persons after they attain the age of 58, in the form of periodical cash flows. An open ended investment plan with following investment pattern: Debt/Government Securities: Min 60% Equity/Equity related Instruments : Max 40%

Why UTI – Retirement Benefit Pension Fund Right blend of Debt & Equity to provide attractive returns. Provision for Regular Income Flexibility of Investments Liquidity in case of emergencies Tax Rebate u/s 80C Minimum investment as low as Rs.500/- for those joining before the age of 52 years. For those joining after the age of 52 years the minimum investment is Rs.10,000/-

Scheme Features Members in the age group of 18-65 years can join Entry Load – Nil Exit Load – Based on period of Investment Less than 1 year - 5% Greater than or equal to 1 year - 3% and less than 3 years Greater than or equal to 3 years - 1% At or after 58 years of age or 5 years from the date of investment whichever is latter - Nil Pension from 58 years of age can be availed on a monthly, quarterly, half yearly or annual basis. The choice would be ascertained from investors, near to the time, they attain the eligibility age.

Fund Facts (As on April 30, 2011) Fund Performance (As on April 30, 2011) Compounded Annualized Returns NAV CRISIL Debt Hybrid (60:40)% 1 Year 4.88% 6.95% 3 Year 8.75% 6.76% 5 Year 7.04% 9.40% Since Inception (Dec 26,1994) 11.59% N/A Past performance may or may not be sustained in future

Asset Allocation of UTI – RBPF (as on April 30, 2011)

Disclaimer Risk Factors : - All investments in Mutual Funds and securities are subject to market risk and the NAV of the Funds may go up or down depending on the factors & forces affecting the securities market. Past performance of the Sponsor/Mutual Fund/ Scheme(s)/AMC is not necessarily indicative of the future results. UTI Retirement Benefit Pension Fund is just the name of the scheme and does not in any manner indicate the quality of the scheme, its future prospects or returns. The scheme is subjected to the risks relating to interest rate, liquidity, securities lending, investment in overseas market, trading in equity and debt derivatives. There may be instances where no income distribution could be made. Please read the SID and consult your financial advisor before investing

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