FPWm Final

8/3/2019 FPWm Final

1/32

Presented ByGroup - I

8/3/2019 FPWm Final

2/32

8/3/2019 FPWm Final

3/32

8/3/2019 FPWm Final

4/32

It is .

An open ended hybrid plan comprising of three funds

Education Fund: An open-ended equity

growth Fund.

Marriage Fund: An open-ended equity

growth Fund.

Savings Fund: An open-ended income Fund.

8/3/2019 FPWm Final

5/32

Education Fund:-

The Education Fund will normally invest 70% in equities to aim for investment growth and 30% in

debt to help provide stability - a balance of risk and reward to help ride out volatility over the long

term.

Marriage Fund:-

Typically in an Indian marriage, a significant amount goes towards buying gold. And so, the

Marriage Fund will normally invest 70% in equities for long-term growth, 10% in debt for stability

and 20% in Gold ETFs to provide protection from any rise in gold prices during the period of your

investment.

Savings Fund:-If you prefer to adopt a conservative approach while saving for your childrens needs or if you do not

have a long-term horizon, then the Savings Fund is the one for you. It will invest up to 100% in debtand money market instruments to aim for stability. So, if you invest in the Education Fund or

Marriage Fund, you could also set up a Systematic transfer Plan (STP) to the Savings Fund, to

gradually shift from equities closer to the time that you need your money. There will be no charge

for such transfers.

It is .

8/3/2019 FPWm Final

6/32

Why to Invest..

Education Fund: To seek to generate long-term capital appreciation from adiversified portfolio of predominantly equity and equity related securities and to generatereasonable returns through a portfolio of debt and money market instruments to help

generating funds in the long term to save for the cost of childrens education.

Marriage Fund: To seek to generate long-term capital appreciation from adiversified portfolio of predominantly equity and equity related securities and togenerate reasonable returns through a portfolio of debt and money market

instruments. The Mutual Fund could also additionally invest in domestic Gold

ETFs.This could help generating funds in the long term to save for the cost ofchildrens marriage.

Savings Fund: To seek to generate reasonable returnspredominantly from a diversified portfolio of debt and money marketinstruments.

8/3/2019 FPWm Final

7/32

There is no assurance that the objective of theFunds will be realized and the Funds do not

assure or guarantee any returns.

8/3/2019 FPWm Final

8/32

Asset Allocation Pattern

8/3/2019 FPWm Final

9/32


8/3/2019 FPWm Final

10/32


8/3/2019 FPWm Final

11/32

AFund may, subject to app

licab

le regu

lations from time to time, invest in foreignsecurities up to 25% of its net assets. However, before commencing investments in

foreign debt/fixed income securities, the AMC shall comply with the requirements

specified in its circular dated September 26, 2007 including appointment of a

dedicated fund manager for such investments.

A Fund may invest in derivatives up to 100% of its net assets for efficient portfoliomanagement including for the purpose of hedging and portfolio balancing and

optimizing returns to the extent permitted under and in accordance with the

applicable Regulation.

The cumulative gross exposure through Equity, Debt and Derivative positions will

not exceed 100% of the net assets ofa Fund.

Due to market conditions, in case of the Education Fund and Marriage Fund, the

AMC may invest beyond the range set out above. Such deviations shall normally be

for a short term purpose only, for defensive considerations and the intention being

at all times to protect the interests of the Unit Holders. In the event of deviations,

rebalancing will normally be carried out within30Business Days.

Important Notes

8/3/2019 FPWm Final

12/32

Education Fund Marriage Fund Savings Fund

Predominantly inequity & equity

related securities

Portion of net

assets will beinvested in debt &money marketinstruments

Predominantly inequity & equity

related securities

Portion of netassets will be

invested in GoldETFs, debt &money marketinstruments

Predominantly indebt & money market

instruments

Where will the funds invest??

8/3/2019 FPWm Final

13/32

Equity & Equityrelatedsecurities

Moneymarketinstruments

Overseas mutual fund

units whichare

permissibleunder the

Regulations

Central Govt securities Deposits of scheduled

commercial banks

Any other domestic o

international instrumentas may be permitted underthe Regulations

Corporate bonds Securitised debt ABS,MBS,CDO, PTCs

Derivatives

Debt obligation of banksand

financial institutions

Foreign Securities Additionally, MarriageFund can make

investments inGold ETFslaunched/registered inIndia.

Convertible debentures Debt/fixed incomeschemes launched by

mutual funds registered

with SEBI

LIST OF SECURITIES WHERE THE FUNDS ARE

LIKELY TO INVEST:

8/3/2019 FPWm Final

14/32

Currently, the Funds are permitted to invest

only in stock and/ or index futures.

Investments in other equity derivative

instruments may be done only once the

Trustees are comfortable that the systems for

dealing, back office and accounting are in place

for derivative instruments.

Where will the funds invest??

8/3/2019 FPWm Final

15/32

1. Investments in equity and equity related instruments: The Fund Manager(s) will generally aim to identify stocks

which as per the Fund Managers

belief are sound, but which are mispriced.

The Fund Manager(s) does this by analyzing a companysbusiness model and financial parameters, valuations and

business expectations.

2. Investments in debt and money market instruments:

The portfolio will be constructed and managed to

generate returns to match the investment objective andto maintain adequate liquidity to accommodate fundsmovement.

Capital appreciation opportunities could be explored byextending credit and duration exposure.

Investment Strategy

8/3/2019 FPWm Final

16/32

The fund management team will take an activeview of the interest rate movement based on thefollowing parameters:

1. Prevailing interest rate scenario

2. Returns offered relative to alternative investmentopportunities.

3. Quality of the security/instrument (including thefinancial health of the issuer)

4. Maturity profile of the instrument

5. Liquidity of the security

6. Any other factors considered relevant in theopinion of the fund management team.

Investment Strategy

8/3/2019 FPWm Final

17/32

3. Investments in Gold ETFs:

Marriage Fund may also invest in Gold ETFs launched/registered inIndia to the extent permitted under the applicable laws, including theSEBI Regulations and guidelines specified by RBI.

4. Investments in derivatives: Investment in derivatives will be made in accordance with the

investment objective and the strategy of the Funds and in accordancewith the applicable Regulations, for efficient portfolio managementincluding for the purpose of hedging and portfolio balancing andoptimizing returns to the extent permitted under and in accordancewith the applicable Regulations.

Investments in interest rate swaps shall be done only for the purposesof hedging and shall be in terms of requirements specified by SEBIand/or RBI from time to time. Hedging does not mean maximizationof returns but

only attempts to reduce systemic or market risk that may be inherent

in the investment.

Investment Strategy

8/3/2019 FPWm Final

18/32

5. Investments in foreign securities:

A Fund may also invest in foreign securities for

diversification as permitted under the applicable

laws, including the SEBI Regulations. Theinvestments of a Fund in foreign securities will be

restricted to 25% of the net assets of the Fund.

Investment Strategy

8/3/2019 FPWm Final

19/32

6. Investments in securitised debt: The various asset classes which are generally available for securitisation in

India are:

Commercial Vehicles, Construction equipments, Auto and two wheeler pools,

Mortgage pools, Personal loan, credit cards and otherretail loans etc.

As and when new asset classes of securitised debt are introduced, the

investments in such instruments will be evaluated on a case by case basis.

The internal credit research team is integrated with Fidelitys global research

team and regular interaction with the global team enables them to get timely

updates on various developments on fixed income markets including

secur

itisa

tion.

The credit research team awards an internal rating for various issuers based on

the independent research and by following Fidelitys internal credit process

taking into account issuers/ originators historical track record, prevailing

rating and financial

statements.

Investment Strategy

8/3/2019 FPWm Final

20/32

Risks associated with investments in securitised debt:

1. Risk due to prepayment: Investors may be exposed to changes in tenor and yield.

2. Liquidity Risk: Due to illiquid nature of the secondary market. Instruments may

trade at a discount due to change in interest rate structure.

3. Limited Recourse andCredit Risk

4. Bankruptcy Risk

5. Risk ofCo-mingling: Payments from obligors are pooled intoa single collection account. If not paid timely, investors face theloss.

Risks & RiskMitigation

8/3/2019 FPWm Final

21/32

Fund Benchmark

Education Fund 70% - BSE 200 index and 30% -CRISIL STBond Fund index

Marriage Fund 70% - BSE 200 index, 20% - Gold Pricesand 10% -CRISIL ST Bond Fund index

Savings Fund CRISIL ST Bond Fund index

BSE 200 is a broad based index

CRISIL Short-Term Bond Fund Index - track the return of short-term funds based on

their asset allocation pattern on a rolling

three-month average

Benchmark

8/3/2019 FPWm Final

22/32

AbsoluteReturns Fidelity IndiaChildrensPlan - Education Fund

Benchmark(70% - BSE 200 and

30% - CRISIL ST BondFund index)

Returns as on April 29, 2011( Since inception Feb 7,

2011)

3.21% 4.97%

Returns calculated

on the face value

of Rs. 10 per unit.2.60%

5.25%

0.00%

1.00%

2.00%

3.00%

4.00%

5.00%

6.00%

FY 2010-11

Absolute Returns

FICP - Education Fund

Crisil Education Option Index

PerformanceAnalysis Education Fund

8/3/2019 FPWm Final

23/32

AbsoluteReturns Fidelity IndiaChildrensPlan Marriage

Fund

Benchmark(70% - BSE 200, 20% - Gold

Prices and30% - CRISIL ST Bond

Fund index)

Returns as on April 29, 2011

( Since inception Feb 7,2011)

4.79% 6.72%

Returns calculated

on the face value

of Rs. 10 per unit.3.19%

5.82%

0.00%

1.00%

2.00%

3.00%

4.00%

5.00%

6.00%

7.00%

FY 2010-11

Absolute Returns

FICP - Marriage Fund

Crisil Marriage Option Index

PerformanceAnalysis Marriage Fund

8/3/2019 FPWm Final

24/32

AbsoluteReturns Fidelity IndiaChildrensPlan Savings Fund

Benchmark(70% - BSE 200, 20% - Gold

Prices and30% - CRISIL ST Bond

Fund index)

Returns as on April 29, 2011

( Since inception Feb 7,2011)

1.47% 1.89%

Returns calculated

on the face value

of Rs. 10 per unit.

1.11%

1.35%

0.00%

0.20%

0.40%

0.60%

0.80%

1.00%

1.20%

1.40%

1.60%

FY 2010-11

Absolute Returns

FICP - Savings Fund

Crisil ST Bond Fund Index

PerformanceAnalysis Savings Fund

8/3/2019 FPWm Final

25/32

8/3/2019 FPWm Final

26/32

I. CONSTITUTIONOFTHE MUTUAL FUND

Fidelity Mutual Fund has been constituted as a trust in terms of the Trust Deed

dated August 09, 2004 in accordance with the provisions of the Indian Trusts Act,

1882 (2 of 1882) with FIA as the Sponsor and FIL Trustee Company PrivateLimited as the Trust.

The Mutual Fund was registered with SEB IonFebruary 17, 2005.

SPONSOR

Fidelity Mutual Fund is sponsored by FIA. The Sponsor is the Settler of the

Mutual Fund Trust.The Sponsor has entrusted a sum of Rs.1,00,000 to the Trustee as the initial

contribution towards the corpus o f the Mutual Fund.

FIA is a company incorporated in Bermuda in 1983. FIA is registered with the

following financial services regulators The Securities Exchange Commission in US

Securities and Futures Commission in Hong Kong

The FinancialServicesAgency in Japan.

FIA is a wholly owned subsidiary of FIL Limited, a company established in

Bermuda

8/3/2019 FPWm Final

27/32

FINANCIALS:

(amount in US $)

THE TRUSTEE:1. Details of TrusteeDirectors:

Mr.Alasdair Boulding Justice (retired)S. S. Sodhi

Mr. K. R. Ramamoorthy

2. Rights and obligations of the Trustee.

The TrusteeCompanyhas exclusive ownership of theassets of theSchemes of the Fund (TrustProperty)andholds the same in trust and for thebenefit of theUnit Holders.

Etc.3. Trustee Supervisoryrole.

TheCompliance Officerreports directly to theboard ofdirectors of the TrusteeCompany tocarry out the supervisoryrole on behalf of the Trustees.

4. Trustee Fees andExpenses

The feecharged foreachequity scheme willbe 0.025%perannum of theaveragedaily net assetof therespectiveSchemeand the feecharged foreachdebt scheme willbe 0.001% perannum o

theaveragedaily net assets of therespectiveScheme orRs. 1,500,000 perannumperScheme,whichever is lower.

8/3/2019 FPWm Final

28/32

ASSET MANAGEMENT COMPANY

FIL Fund Management Private Limited is a private limited companyincorporated under theCompanies Act, 1956 on July 02, 2004.FIL FundManagement Private Limited has been appointed as the AMC of FidelityMutual Fund by theTrusteeCompany vide the Investment ManagementAgreement dated August 09, 2004 and executed between theTrusteeCompany and the AMC.

INFORMATION ON KEY PERSONNEL

AshuSuyash- Managing Director andCountry Head

AlexanderTreves - Head of Investments

Sandeep Kothari - Fund Manager, etc

SHAREHOLDING PATTERN OF THEAMC

8/3/2019 FPWm Final

29/32

SERVICE PROVIDERS

(a)Custodian - JP Morgan Chase Bank.

(b)Registrarand TransferAgent - computerAgeManagement Services PrivateLi

mit

ed("

CA

MS

)(c)StatutoryAuditor- PriceWaterhouse,CharteredAccountants.

(d) FundAccountant - JP Morgan Chase Bank.

II. HOW TO APPLY

Applications filledupandduly signedbyalljoint investors shouldbe

submittedalong with thecheque / draft. It is mandatory foreveryapplicant to provide the name of thebank,branch,

address,account typeand numberas perSEBI requirements.

all investors (resident and non-resident)arerequired to provide the

Permanent

Account Number (P

AN).

all investors other than KYCcompliant investors arerequired to follow the

new KYCcomplianceprocedure.

III. RIGHTS OF THEUNITHOLDERS OFASCHEME

proportionateright in thebeneficialownership of theassets.

dispatch ofRedemption proceeds within 10 Business Days ofaccepting theRedemption request.

8/3/2019 FPWm Final

30/32

75% of theUnit Holders ofaSchemecan pass aresolution

to wind- up that Scheme.

appointment of theAMC for theMutual Fundcan be

terminatedbymajority of thedirectors.

IV. INVESTMENT VALUATION NORMS FORSECURITIES

1. TradedSecurities

2. Thinly TradedSecurities / Non-TradedSecurities / Unlisted

EquitySecurities3. Thinly Traded / Non-Tradeddebt securities

4. Valuation of securities with Put / CallOptions:

5. Government securities

6. The non-convertibleandconvertibleV. TAXAND LEGALAND GENERAL INFORMATION

TAXATION ON INVESTING IN MUTUAL FUNDS under

this head information is provided forgeneral information

purpos

es onl

ya

nd

app

lie

s to the

scheme

.

8/3/2019 FPWm Final

31/32

In the investment world, one name stands out Fidelity. We

believe its what lies beneath our size and stature that makes fortrue leadership. An absolute dedication to building our customerswealth over the long term, through market ups and downs, and apassion for investing The Fidelity Way. Each stock, every securityis picked bottom-up purely for its core strength and selection

is basedon first-hand, in-depth research. The reason for this is

straightforward. We believe our customers can benefit fromdecisions based on fact, not fashion. For millions of people aroundthe world, Fidelity has become synonymous with family. And now,

we hope the three funds in the Fidelity India Childrens Plan canhelp you to plan and better your familys future.

Why Fidelity

8/3/2019 FPWm Final

32/32

32

Documents

FPWm Final