Dear Reader,

Like they often say, it’s the journey that’s more important than the destination….I started my

journey to Tarakki (much like some of you with some hesitation), but today I can surely say

that its been like none other.

I am simply recapping, my experiences – some will make you richer, while others will only

reassure you that you are not the only one with these doubts.

Needless to say, take that first step! Start today…you will see that signboard with “Tarakki”

written on it, somewhere along the way.

Yours Sincerely,

Now a convinced Mutual Fund investor

� The moment of truth – “I am 30 yrs old, gosh I need to invest”

� Investing the Smarter Way

� 3 steps to Tarakki with ICICI Prudential Systematic Investment Plan (SIP)

� Glossary of Terms – incase you will be as foxed as I was at first!

My Milestones

Well for me it happened when I turned 30!!!

I had my share of ritualistic investments – savings a/c, a small FD, one insurance policy, but

was this planned investment method in line with

my life goals???

My current limited investments definitely

did not follow the calendar plan that I had

charted for my self

Having established the need to invest, I now needed to know“how to invest”

The moment of truth – “I am 30 yrs old, gosh I need to invest”

• Before I started investing this was the equation I followed:

Income = Expenses + SavingsIncome = Expenses + SavingsIncome = Expenses + SavingsIncome = Expenses + SavingsIncome = Expenses + Savings

• This is what I changed to:

Income = Expenses + Savings + Investments (to counter inflation)Income = Expenses + Savings + Investments (to counter inflation)Income = Expenses + Savings + Investments (to counter inflation)Income = Expenses + Savings + Investments (to counter inflation)Income = Expenses + Savings + Investments (to counter inflation)

My wallet equation!

This is how I scored Systematic Investment Plan (SIP)

Your investments can be based on a financial goal

Performance disclosures at regular intervals help keep track of your

investments

You can use tools and calculators to determine the suitable amount

to invest

Choose from a wide variety of schemes based on your requirement

A SIP helps you adopt a disciplined approach towards investing

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�

�

�

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Looking out for the SMART investment option

S Specific

M Measurable

A Attainable

R Relevant

T Timely

As I started to understand systematic investing in Mutual Funds, these

are some of the benefits that I came across:

• Professional management: Experienced Fund Managers handle my

investments

• Portfolio Diversification & Economies of scale: By pooling investors money

together, mutual funds invest in a wide range of securities

• Liquidity: Its easy to redeem your money from Mutual Funds

• Investment & Regulatory comfort: Mutual Funds are guided by SEBI Regulations

that safeguard the interests of the investors

Invest Regularly

Invest Right

3 Principles of SIPTarakki

Start Early

• Well in the case of SIPs you must start like the hare….start early

• Compounding is a very powerful force, which simply means “growth upon

growth”

• A SIP allows you to benefit from this power of compounding

By investing a fixed amount at regular intervals, its not just the amount invested that has

the potential to grow, but the growth on the previous installments as well

Start early

• Continue the race like the tortoise – maintain a consistent pace, invest regularly

• You don’t need to worry about trying to invest at the right time, you can leave timing

the markets to our veteran fund managers.

• Earning through Rupee Cost Averaging (For better understanding of the meaning of this term,

please refer to the glossary)

– Investing fixed amounts at regular intervals, generally lowers the average cost of

your investment

– It allows you to buy more for less when the markets are down and less for more

when the markets move up

Invest regularlyTarakki

• You would have read the story of the Thirsty crow…

• The principles of the story work well when it comes to investing, but only if you

invest a suitable amount at regular intervals

• Here’s what you could do…

– Identify the goals that you are chasing

– Take help from your financial planner to ascertain

the right amount to invest

– You could also use the SIP tools and calculators

available on our website www.icicipruamc.com

to determine a suitable amount to invest

Its all about knowing the right SIP installment

• NAV

NAV or Net Asset Value of the fund is the cumulative market value of the assets of the

fund net of its liabilities. NAV per unit is simply the net value of assets divided by the

number of units outstanding. Buying and selling into funds is done on the basis of

NAV-related prices. NAV is calculated as follows:

NAV= (Market value of the fund's investments + Receivables + Accrued Income)

– (Liabilities + Accrued Expenses)

• PortfolioIt is a list of securities held by any Mutual Fund scheme on a particular date

• BenchmarkIt is an index that is chosen to serve as a standard for comparison of schemes

returns

Glossary of Terms

• Rate of ReturnIt is the ratio of gain or loss, relative to the initial amount of money invested

• CompoundingThe interest earned is reinvested, so as to earn income on the interest along with the

income on the principal amount invested

• Compounded Annual Growth RateThe year on year rate of growth of your investment over a specific time period

• Rupee Cost AveragingIt is a method of investing a fixed amount of money at regular intervals irrespective of

the price of the instrument. You land up buying more for when the price is low and less

when the prices rise. Over time, this tends to reduce the average cost per security.

Notes

Notes

Statutory details & risk factors

Statutory Details: Settlor of ICICI Prudential Mutual Fund (IPMF): ICICI Bank Limited and Prudential plc; IPMF was set up as a Trust sponsored by the settlorin accordance with the provisions of the Indian Trust Act, 1882. Trustee: ICICI Prudential Trust Ltd. (IPTL); Investment Manager: ICICI Prudential AssetManagement Co. Ltd. (IPAMCL); IPTL & IPAMCL are incorporated under Companies Act, 1956. Liability: Liability of IPMF/Sponsors/IPTL/IPAMCL is limited toRs. 22.2 lacs collectively. Past performance of the Sponsors, AMC, Fund, and Trustee has no bearing on the expected performance of the mutual fund or anyof its schemes. Risk Factors: All investments in Mutual Fund and securities are subject to market risks and the NAV of the Schemes may go up or down,depending upon the factors and forces affecting the securities markets and there can be no assurance that the fund’s objectives will be achieved. Mutual FundInvestments are subject to market risks. Please read the Statement of Additional Information and Scheme Information Document carefully before investing.In the preparation of the material contained in this document, ICICI Prudential Asset Management Company Ltd. (the AMC) has used information that ispublicly available, including information developed in-house. Some of the material used in the document may have been obtained from members/personsother than the AMC and/or its affiliates and which may have been made available to the AMC and/or to its affiliates. Information gathered and material usedin this document is believed to be from reliable sources. The AMC however does not warrant the accuracy, reasonableness and / or completeness of anyinformation. We have included statements / opinions / recommendations in this document, which contain words, or phrases such as “will”, “expect”, “should”,“believe” and similar expressions or variations of such expressions, that are “forward looking statements”. Actual results may differ materially from thosesuggested by the forward looking statements due to risk or uncertainties associated with our expectations with respect to, but not limited to, exposure tomarket risks, general economic and political conditions in India and other countries globally, which have an impact on our services and / or investments, themonetary and interest policies of India, inflation, deflation, unanticipated turbulence in interest rates, foreign exchange rates, equity prices or other rates orprices etc. All figures and other data given in this document is dated. The same may or may not be relevant at a future date. Prospective investors are thereforeadvised to consult their own legal, tax and financial advisors to determine possible tax, legal and other financial implication or consequence of subscribingto the units of ICICI Prudential Mutual Fund. ICICI Prudential Asset Management Company Limited (including its affiliates), the Mutual Fund, The Trust and anyof its officers, directors, personnel and employees, shall not liable for any loss, damage of any nature, including but not limited to direct, indirect, punitive,special, exemplary, consequential, as also any loss of profit in any way arising from the use of this material in any manner. The recipient alone shall be fullyresponsible/are liable for any decision taken on this material.