Whether you are a retail or institutional customer, the first thing you want to know is how well we manage your money? Everyone has two basic expectations - Safety and Returns. Both are opposite goals, but we work hard to achieve both in a balanced way. Your money can be safe if –
- We choose our investments carefully
- Watch their performance regularly
- Take corrective action when needed
We have an institutional policy within the regulations of IRDAI, which is mandated by the Board monitored by Investment Committee and delivered by the team. This is the framework in which we operate. This framework is tight as well as practical enough to allow room for judgmental exceptions which are not taken just by one individual but by the whole team involving the CEO, CFO, CIO and the Appointed Actuary.
Rest assured, our professional Fund Managers, who are experts in the equity and fixed income markets, will take utmost care of your returns.
EQUITY INVESTMENT STRATEGY
For equity investment we follow both - a top down and a bottom up approach. Looking top down and bottom up we define our investment universe which is a broad basket of stocks we can invest in. Actual stock selection is primarily driven by fundamental analysis.
Once we identify a good stock, we look at analytical and technical factors to see what is the right time to buy or to book profits. Based on technical factors we switch stocks and sectors to enter or reenter the market. We also constantly review our strategies and actively engage in script management. We strive for not only outperforming the benchmark indices but also to deliver superior risk-adjusted returns as compared to peer group over a medium to long term horizon.
FIXED INCOME INVESTMENT STRATEGY
In a fixed income portfolio, our primary concerns are the safety of investments and consistency of returns. This is why we invest in companies with high credit quality and a track record of good corporate governance. This ensures that the long-term investments are safe while their returns are consistent.
Once we achieve this, we try to improve the returns in our debt portfolio by suitably tuning the portfolio duration. This is based on the expected interest rate movements in the market.
Over time, we try to deliver superior returns as compared to a bank deposit or a typical bond fund in the market. We don’t merely aim to be content with good returns but strive to stay superior at a risk-adjusted level.
Disclaimer: Linked Insurance Products are different from the traditional insurance products and are subject to risk factors. The Premium paid in unit-linked life insurance policies are subject to investment risks associated with capital markets and NAVs of the units may go up or down, based on the performance of fund and factors influencing the capital market and the insured is responsible for his/her decisions. IndiaFirst Life Insurance Company Limited is only name of the Insurance Company and does not in any way indicate the quality of the contract, its future prospects, or returns. Please know the associated risks and the applicable charges from your Insurance Agent or the Intermediary or policy document issued by the Insurance Company. The various funds offered under this contract are the names of the funds and do not in any way indicate the quality of these plans, their future prospects and returns. Past performance may or may not be sustained in future and is not a guarantee of future performance. Some of the contents of this document may contain statements / estimates / expectations / predictions, which may be 'forward looking'. The actual outcomes could differ materially from those expressed /implied in this document.These statements, do not intend to provide personal recommendation to any specific individual or any investment needs of an individual. The recommendations / statements / estimates / expectations / predictions are of general in nature and may not take into account the specific investment needs or risk appetite or financial situations of individual policyholder / clients. For more details on risk factors and terms and conditions, please read the sales brochure carefully before concluding the sale. Tax benefits are subject to changes in the tax laws.
This section will tell you more about the kind of funds that we invest your money in. Each fund has a different type of risk and return associated with it.
Read through this, it will help you understand and pick a Fund that suits your risk appetite best. As an existing customer, you may choose to shift from one Fund to another to optimise your returns. Always remember, take into account the market condition and changes in your risk profile before making these decisions.
Our way of valuing equity shares is as prescribed by Insurance and Regulatory Development Authority of India (IRDAI) through its circular number IRDA/F&I/INV/CIR/213/10/2013 dated October 30, 2013. It has mandated insurers to select either NSE or BSE as the primary and secondary exchange for valuation of its equity shares.
We have selected NSE as the primary and BSE as the secondary exchange. Accordingly, the equity shares held by us are valued at the closing price of NSE. In case a security is not listed or traded on NSE, we use the closing price of BSE.
Click on any of the links below to read more on different types of Funds we offer and why:
- Life Unit Linked Funds
Debt Fund SFIN No: ULIF003161109DEBTFUND00143
To generate a good level of income and prospects for capital growth through diversified investment in corporate debt instruments, government securities and money market investments.
0-00%
Equity Composition Equity Fund SFIN No: ULIF001161109EQUITYFUND143
To provide high growth opportunities with an objective of long-term capital appreciation through investments primarily in equity and equity-related instruments.
80-100%
Equity Composition Balanced Fund SFIN No: ULIF005161109BALANCEDFN143
To provide higher growth with reasonable security, by investing primarily in equity instruments and moderate allocation in debt securities/bonds.
50-70%
Equity Composition Debt 1 Fund SFIN No: ULIF010010910DEBTO1FUND143
To generate a good level of income and prospects for capital growth through diversified investments in corporate debt instruments, government securities and money market investments.
0-00%
Equity Composition Value Fund SFIN No: ULIF013010910VALUEFUND0143
To provide high growth opportunities with an objective of long-term capital appreciation through investments primarily in equity and equity-related instruments.
70-100%
Equity Composition Index Tracker Fund SFIN No: ULIF012010910INDTRAFUND143
To provide high growth opportunities with an objective of long-term capital appreciation through investments primarily in equity and equity-related instruments.
90-100%
Equity Composition Equity 1 Fund SFIN No: ULIF009010910EQUTY1FUND143
To provide high growth opportunities with an objective of long-term capital appreciation through investments primarily in equity and equity-related instruments.
80-100%
Equity Composition Dynamic Asset Allocation Fund SFIN No: ULIF012010910INDTRAFUND143
To provide long-term capital appreciation with relatively lower volatility by dynamically adjusting the capital allocation between equity and fixed income instruments.
20-80%
Equity Composition Balanced 1 Fund SFIN No: ULIF011010910BALAN1FUND143
To provide higher growth with reasonable security, by investing primarily in equity instruments and moderate allocation in debt securities/bonds.
50-70%
Equity Composition Equity Elite Opportunities Fund SFIN No:
To provide growth opportunities with an objective of long term capital appreciation through investments primarily in equity and equity related instruments and an active management of asset allocation between Equity and Money Market instruments.
60%-100%
Equity Composition - Pension Linked Funds
Debt Fund - Pension SFIN No: ULIF004161109DEBFUNDPEN143
To generate a good level of income and prospects for capital growth through diversified investment in corporate debt instruments, government securities and money market investments.
0-00%
Equity Composition Equity Fund - Pension SFIN No: ULIF002161109EQUFUNDPEN143
To provide high growth opportunities with an objective of long-term capital appreciation through investments primarily in equity and equity-related instruments.
80-100%
Equity Composition Balanced Fund - Pension SFIN No: ULIF006161109BALFUNDPEN143
To provide higher growth with reasonable security, by investing primarily in equity instruments and moderate allocation in debt securities/bonds.
50-70%
Equity Composition Liquid Fund - Pension SFIN No: ULIF008161109LIQFUNDPEN143
To provide capital protection with growth at short term interest rates while providing a high level of liquidity.
0-00%
Equity Composition
Disclaimer: Linked Insurance Products are different from the traditional insurance products and are subject to risk factors. The Premium paid in unit-linked life insurance policies are subject to investment risks associated with capital markets and NAVs of the units may go up or down, based on the performance of fund and factors influencing the capital market and the insured is responsible for his/her decisions. IndiaFirst Life Insurance Company Limited is only name of the Insurance Company and does not in any way indicate the quality of the contract, its future prospects, or returns. Please know the associated risks and the applicable charges from your Insurance Agent or the Intermediary or policy document issued by the Insurance Company. The various funds offered under this contract are the names of the funds and do not in any way indicate the quality of these plans, their future prospects and returns. Past performance may or may not be sustained in future and is not a guarantee of future performance. Some of the contents of this document may contain statements / estimates / expectations / predictions, which may be 'forward looking'. The actual outcomes could differ materially from those expressed /implied in this document.These statements, do not intend to provide personal recommendation to any specific individual or any investment needs of an individual. The recommendations / statements / estimates / expectations / predictions are of general in nature and may not take into account the specific investment needs or risk appetite or financial situations of individual policyholder / clients. For more details on risk factors and terms and conditions, please read the sales brochure carefully before concluding the sale. Tax benefits are subject to changes in the tax laws.
