1. ASSET ALLOCATOIN
 RAVI SHANKAR
 On 15/10/2014
5/9/2015 1RAVI SHANKAR

2. Asset Allocation:
A Strategic Division of Assets
Stocks
Cash
BondsAsset allocation does not assure a profit or
protect against a loss.
.
5/9/2015 2RAVI SHANKAR

3. Asset allocation is the strategic process of dividing your investments among
different asset classes, such as stocks, bonds and cash equivalents. Short-
term Treasuries and Certificates of Deposit are typical cash equivalents.
• Stocks, bonds and cash are the three basic building blocks of asset
allocation.
• A diversified long-term portfolio should include all three.
5/9/2015 3RAVI SHANKAR

4. Major Benefits of Asset Allocation
 Gain exposure to rotating market leaders
 Potentially increase your returns
5/9/2015 4RAVI SHANKAR

5. Gain exposure to rotating market leaders
 If your assets are divided among many different
market sectors, you’ll benefit when one asset class does
well.
 You’ll have a cushion against a downturn in any one
specific market sector.
5/9/2015 5RAVI SHANKAR

6. Potentially increase your returns
 Many investors turn to fixed income for a reasonable
level of return with less risk than stocks.
 By adding a moderate allocation of stocks to the
portfolio.
 If you are willing to allocate a little more to stocks, you
may be able to achieve an even greater return with
little additional risk
5/9/2015 6RAVI SHANKAR

7. Risks of Asset Allocation
 General market risk (value of portfolios will fluctuate with market
conditions)
 Asset allocation does not assure a profit or protect against a loss
 Performance is dependant on ability to select appropriate asset
categories
5/9/2015 7RAVI SHANKAR

8. Conservative
 A conservative portfolio is appropriate for an
investor with a low risk tolerance and a time
horizon from immediate to longer than 3 years.
Conservative investors are not willing to accept
periods of extreme market volatility
5/9/2015 8RAVI SHANKAR

9. Strategy
20% equity
1.) 10% Large-cap equity (Index)
2.) 05% Mid-Small-equity
3.) 05% Foreign equity
55% Bonds
 25% Cash + Fd
5/9/2015 9RAVI SHANKAR

10. strategy
DEBT
55%%
GILT
FUNDS 50%
hybrid
funds 20%
LIQUID
SCHEME
20%
Cash mkt
25%
ICICI
Prudential
Money Market
Fund - Regular
Plan
5/9/2015 10RAVI SHANKAR

11. MY suggestions
• L&T Gilt Fund - Investment Plan - Direct Plan
• ICICI Prudential Long Term Gilt Fund - Regular Plan 11
%
GILT FUND
• ICICI Prudential Child Care Plan - Study Plan - Direct
Plan20.70%
• SBI Magnum Monthly Income Plan - Floater - Direct
Plan
14%
HYBRID debt-
oriented
conservative
• Escorts Liquid Fund - Direct Plan
• Birla Sun Life Floating Rate Fund - Short Term Plan -
Direct Plan
LIQUID SCHEME
5/9/2015 11RAVI SHANKAR

12. MY suggestions
• Icici pru top 100
• Birla sun life top 100large cap
• Principal Emerging Bluechip Fund
Mid & small
cap
• Birla sun life International Equity Fund
• JP Morgan JF Greater China Equity Off-
shore Fund
International
5/9/2015 12RAVI SHANKAR

13. Moderate Strategy
A moderate portfolio is
appropriate for an investor
with a moderately high risk
tolerance and a time
horizon longer than 5
years. Moderate investors
are willing to accept
periods of moderate
market volatility
65%
equity
40%
Large-
cap
equity
10%
mid-cap
equity
15%
sectorial
equity
30% Bonds
30% Intermediate-
term Bond
5% Cash/MMKT
(Index)
5/9/2015 13RAVI SHANKAR

14. MY suggestions
• Icici pru top 100
• Birla sun life top 100large cap
• Icici pru mid cap
• Can robeco emer.eqMid cap
• L&T infra
• religare invesco infraSectorial fund
• Birla sun life International Equity Fund
• JP Morgan JF Greater China Equity Off-shore FundInternational
5/9/2015 14RAVI SHANKAR

15. Bond
Gilt mid and long term- Principal govt.securities fund 1
5/9/2015 15RAVI SHANKAR

16. Aggressive
 An aggressive portfolio is appropriate for an investor
with a high risk tolerance and a time horizon longer
than 10 years. Aggressive investors are willing to accept
periods of extreme market volatility.
 85% equity,
 15% Bonds
5/9/2015 16RAVI SHANKAR

17. Strategy
85% Stocks,
30% Large-cap equity
15% Mid-cap equity
15% diversified equity
25% Foreign or Emerging Stock
5/9/2015 17RAVI SHANKAR

18. MY suggestions
• Icici pru top 100
• Birla sun life top 100large cap
• Icici pru mid cap
• Can robeco emer.eqMid cap
• Birla sun life pure value
• Icici pru value discDiversified
• Birla sun life International Equity Fund
• JP Morgan JF Greater China Equity Off-shore FundInternational
5/9/2015 18RAVI SHANKAR

19. Bond

ICICI Prudential Interval Fund - Quarterly
Interval Plan D - Retail Plan -for I year
 UTI Annual Interval Fund Sr 1 Inst
5/9/2015 19RAVI SHANKAR

20.  THANK YOU
5/9/2015 RAVI SHANKAR 20