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Life Conservative Fund

ULIF00325/06/04LIFECONSER104-Conservative

Funds Overview as on March 31, 2016

Fund's Objective: The investment objective of this fund is to provide stable return by investing in assets of relatively low to moderate level of risk. The fund will invest primarily in fixed interest securities such as Government Securities, Corporate bonds etc.


Inception Date Funds size Benchmarks Products Applicable Status

20 Sep 2004
NAV (p.u.): 29.17

Rs. 114.94 Cr.

  • NSE Nifty(10%)
  • I Sec (Gilt Index) (60%)
  • Crisil Bond Index (22.5%)
  • Crisil Liquid Index (7.5%)
  • Max Life Fast Track- 104L067V01
  • Max Life Flexi Fortune- 104L064V01
  • Max Life MAXIS- 104L071V01
  • Max Life Shiksha Plus II- 104L062V01
  • Max Life Life Maker Unit Linked Investment plan- 104L017V01
  • Max Life Life Maker Premium Investment plan- 104L034V01
  • Max Life Fortune Builder - 104L058V01
  • Max Life Life Invest Plan- 104L031V01
  • Max Life Amsure Magic Builder- 104L055V01
  • Max Life Smart Assure- 104L047V01
  • Max Life SMART Steps- 104L037V01
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  • Funds Performance
  • Asset Allocation
Annualized Returns* Fund Benchmark returns
Since inception 9.7% 8.3%
Five Year Rolling Return 9.1% 8.9%
Three Year Rolling Return 9.3% 9.6%
One Year Rolling Return 4.5% 7.0%
YTD (Financial Year) 4.5% 7.0%
Last Quarter 1.8% 2.2%

* Returns less than one year are absolute returns.

Risk Attributes Fund Benchmark
Beta 0.8 1.0
Standard Deviation 4.1% 4.0%
Sharpe ratio 66.4% 32.8%
Treynor ratio 3.3% 1.3%
Risk Free Rate assumed 7%    
Fixed Income
Average Maturity in years 8.8
M- Duration 5.7
of the NON Equity Portfolio  
Approved Asset Allocation
G-sec 50-80%
Corporate Bonds 0-50%
Short Term investment 0-40%
Equity 0-15%
Industry Exposure (Top 10)
Central & State Government 67%
Ele Gas Steam & Air Condition Suply 8%
Financial And Insurance Activities** 8%
Housing 4%
Civil Engineering 1%
IT Services 1%
Petroleum Products 1%
Automobiles 1%
Pharmaceuticals 0%
Consumer Staples 0%

**Including CD & FD investments

Issuer / Company Exposure (Top 10) %
Central & State Government 67%
Nuclear Power Corporation 4%
Power Grid Corporation of india Limited 4%
LIC Housing Finance Limited 2%
Housing Development Finance Corp.Limited 2%
IL & FS Financial Services Limited 2%
HDFC Bank Ltd 2%
Shriram Transport Finance Limited 1%
Larsen & Turbo Limited 1%
Oriental Bank of Commerce 1%
Rating bucket %
AAA & equivalent 97%
AA & equivalent 3%
A & equivalent 0%
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Total 100%
Maturity bucket %
Less than 1year 1%
1 year to 3 years 3%
3 years to 7 years 16%
Over 7 years 80%
Total 100%

Of Rated Fixed Income

Did you Know?

Our aggregate Traditional portfolio witnessed a growth of 34.51%, and overall portfolio grew by 25% over the last one year till June 2014