ICICI Prudential presents

with
Trigger Portfolio Strategy –

A first in insurance industry

2
This material is strictly meant for circulation within the organization/ solely for training and/or education of
the employees of ICICI Prudential Life Insurance Co. Ltd. or its advisors, corporate agents or brokers and
should not be further circulated or used for presentation to a prospect or general public at large.
 Trigger Portfolio Strategy

What is the strategy?

It is an event based portfolio rebalancing

strategy

What is an event?

The Trigger event is the upward or

downward movement in NAV of Multi Cap
Growth Fund by 15%

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This material is strictly meant for circulation within the organization/ solely for training and/or education of
the employees of ICICI Prudential Life Insurance Co. Ltd. or its advisors, corporate agents or brokers and
should not be further circulated or used for presentation to a prospect or general public at large.
 Working of the strategy
 Initial asset allocation
 Premiums are invested in proportion given below

Fund name Allocation

Multi Cap Growth 75%
Fund
Income Fund 25%
On the occurrence of trigger event
 Fund value in Multi Cap Growth Fund in excess of 3
times of Income Fund fund value is considered as gains
 Gains made are transferred to Money Market Fund to
protect them from future market volatility
In case there are no gains to be capitalized
 Funds in Multi Cap Growth Fund and Income Fund are
redistributed in a 75% : 25% proportion
 No transfer to or from Money Market Fund will be done
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This material is strictly meant for circulation within the organization/ solely for training and/or education of
the employees of ICICI Prudential Life Insurance Co. Ltd. or its advisors, corporate agents or brokers and
should not be further circulated or used for presentation to a prospect or general public at large.
 Trigger Portfolio Strategy:
Funds
Multi Cap Growth
Fund
Equit Debt
Flexi Growth Fund Min (%) y
80 0
Max (%) 100 20

Income Fund
Debt, Cash
Protector Fund Min (%) 100
Max (%) 100

Money Market Fund

Cash Debt
Preserver Fund Min (%) 50 0
Max (%) 100 50
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This material is strictly meant for circulation within the organization/ solely for training and/or education of
the employees of ICICI Prudential Life Insurance Co. Ltd. or its advisors, corporate agents or brokers and
should not be further circulated or used for presentation to a prospect or general public at large.
 Trigger Portfolio Strategy

Gains

Protect
ezil ati pa C

Gains

Book gains when markets move up !!!

Protect these gains when markets move

down !!!
Buy low and Sell high !!!
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This material is strictly meant for circulation within the organization/ solely for training and/or education of
the employees of ICICI Prudential Life Insurance Co. Ltd. or its advisors, corporate agents or brokers and
should not be further circulated or used for presentation to a prospect or general public at large.
 Trigger strategy simplified

Initial investment Rs.1,00,000

Initial Equity – Debt

allocation Equity Debt

Fund Rs.75,00 Rs.25,00

value 0 0
75%
NAV Rs.10 Rs.10
25%
No. of 7,500 2,500
Equit Debt units
y

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This material is strictly meant for circulation within the organization/ solely for training and/or education of
the employees of ICICI Prudential Life Insurance Co. Ltd. or its advisors, corporate agents or brokers and
should not be further circulated or used for presentation to a prospect or general public at large.
 Scenario 1
Equity NAV increases by
15% Fund value
Debt NAV remains the
same
11.50
Rs.1,11,250
Equity

10.75
NAV

Rs.1,00,000
10.0
0

New Debt – Equity

allocation Equity Debt

Fund Rs.86,2 Rs.25,0

value 50 00
78%
NAV Rs.11.5 Rs.10

22% No. of 7,500 2,500

units
8 Equity Debt
This material is strictly meant for circulation within the organization/ solely for training and/or education of
the employees of ICICI Prudential Life Insurance Co. Ltd. or its advisors, corporate agents or brokers and
should not be further circulated or used for presentation to a prospect or general public at large.
 Scenario 1: Profit booking
opportunity
Debt – Equity Profit
allocation booked

After Rs.1,11,250
Profit Booking
78% & rebalancing Rs.1,00,000

22% Rs.11,250
Equity Debt

Equity Debt Profit booked

Fund Rs.75,00 Rs.25,00 Rs.11,250

value 0 0
NAV Rs.11.5 Rs.10 Rs.10

No. of 6,522 2,500 1,125

9 units
This material is strictly meant for circulation within the organization/ solely for training and/or education of
the employees of ICICI Prudential Life Insurance Co. Ltd. or its advisors, corporate agents or brokers and
should not be further circulated or used for presentation to a prospect or general public at large.
 Scenario 2
Equity NAV decreases by
15% Fund value
Debt NAV remains the
same
10.00
Rs.88,750
Equity

9.25
NAV

Rs.1,00,000
8.5
0

New Equity – Debt

Equity Debt allocation

Fund Rs.63,7 Rs.25,0

value 50 00
NAV Rs.8.5 Rs.10 72%
28%
No. of 7,500 2,500
Equity Debt
units
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This material is strictly meant for circulation within the organization/ solely for training and/or education of
the employees of ICICI Prudential Life Insurance Co. Ltd. or its advisors, corporate agents or brokers and
should not be further circulated or used for presentation to a prospect or general public at large.
 Scenario 2: Rebalancing
opportunity
Equity – Debt New Equity – Debt
allocation allocation

After
rebalancing 75%
72%
28% 25%
Equity Debt Booked
Equity Debt profits

Equity Debt Booked Profit

Fund Rs.66,56 Rs.22,18 Rs.0

value 2 8
NAV Rs.8.5 Rs.10 Rs.10

No. of 7,831 2,218 0

11 units
This material is strictly meant for circulation within the organization/ solely for training and/or education of
the employees of ICICI Prudential Life Insurance Co. Ltd. or its advisors, corporate agents or brokers and
should not be further circulated or used for presentation to a prospect or general public at large.
 Best of both worlds
BUY LOW - SELL
HIGH
When
As market
market
rises
falls

Profits
Booked

Equity
component
increases
12
Buy
Sell equity when price is
This material is strictly meant for circulation within the organization/ solely for training and/or education of

high
low
the employees of ICICI Prudential Life Insurance Co. Ltd. or its advisors, corporate agents or brokers and
should not be further circulated or used for presentation to a prospect or general public at large.
 ICICI Pru: Up the investment
strategy curve

Dynamic event Trigger

based strategy to
book profits in a
Portfolio
volatile market Strategy

Time based strategy Lifecycle based

independent of occurrence of Portfolio Strategy
event

Fund transfer strategy to get Automatic Transfer

the benefit of cost averaging Strategy
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This material is strictly meant for circulation within the organization/ solely for training and/or education of
the employees of ICICI Prudential Life Insurance Co. Ltd. or its advisors, corporate agents or brokers and
should not be further circulated or used for presentation to a prospect or general public at large.
 Key features
Additional allocation of units
Policy year Additional Premium allocation
allocation of
6th yr. units
2% 102% of premium
onwards paid
Available portfolio strategies
 Fixed portfolio strategy
 Trigger portfolio strategy

Change in portfolio strategy (CIPS)

 Change chosen strategy once every year
 Provided free of cost

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This material is strictly meant for circulation within the organization/ solely for training and/or education of
the employees of ICICI Prudential Life Insurance Co. Ltd. or its advisors, corporate agents or brokers and
should not be further circulated or used for presentation to a prospect or general public at large.
 Fixed Portfolio Strategy: Funds

Multi Cap Growth

Flexi Growth
Fund

R.I.C.H Opportunities Fund

Multiplier Bluechip Fund

Flexi Balanced Multi Cap Balanced

Fund

Protector Income Fund

Preserver Money Market Fund

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This material is strictly meant for circulation within the organization/ solely for training and/or education of
the employees of ICICI Prudential Life Insurance Co. Ltd. or its advisors, corporate agents or brokers and
should not be further circulated or used for presentation to a prospect or general public at large.
 Trigger Portfolio Strategy:
Funds
Multi Cap Growth
Fund
Equit Debt
Flexi Growth Fund Min (%) y
80 0
Max (%) 100 20

Income Fund
Debt, Cash
Protector Fund Min (%) 100
Max (%) 100

Money Market Fund

Cash Debt
Preserver Fund Min (%) 50 0
Max (%) 100 50
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This material is strictly meant for circulation within the organization/ solely for training and/or education of
the employees of ICICI Prudential Life Insurance Co. Ltd. or its advisors, corporate agents or brokers and
should not be further circulated or used for presentation to a prospect or general public at large.
 Partial withdrawals

 Allowed
 Aftercompletion of five years &
 On payment of atleast three full years
premium
 Maximum upto 20% of fund value
 Minimum withdrawal amount is Rs.2000
 Provided free of cost

For example, partial withdrawal can be done

once between 6th to 8th policy year, once
between 9th to 11th policy year and so on.

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This material is strictly meant for circulation within the organization/ solely for training and/or education of
the employees of ICICI Prudential Life Insurance Co. Ltd. or its advisors, corporate agents or brokers and
should not be further circulated or used for presentation to a prospect or general public at large.
 Surrender Value

 Surrender Value where 3 full years'

premiums have not been paid will be 30%
of the Fund Value
 Surrender Values after payments of three
full years’ premium and three policy
No. of completed policy Surrender Value
years have elapsed:
years (As % of Fund value)
3 90%
4 95%
5 100%

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This material is strictly meant for circulation within the organization/ solely for training and/or education of
the employees of ICICI Prudential Life Insurance Co. Ltd. or its advisors, corporate agents or brokers and
should not be further circulated or used for presentation to a prospect or general public at large.
 LT Maxima at a glance

Minimum/Maximum entry age 0 – 65 years

Minimum/Maximum maturity age 18 - 75 years

Policy term 10/15/20/25/30 years

Modes of premium payment Yearly/Half yearly/Monthly

Minimum premium Rs. 24,000 per annum

Minimum sum assured 5 x Annual premium

Maturity benefit Fund value

Death benefit Higher of SA or FV

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This material is strictly meant for circulation within the organization/ solely for training and/or education of
the employees of ICICI Prudential Life Insurance Co. Ltd. or its advisors, corporate agents or brokers and
should not be further circulated or used for presentation to a prospect or general public at large.
 Thank you

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This material is strictly meant for circulation within the organization/ solely for training and/or education of
the employees of ICICI Prudential Life Insurance Co. Ltd. or its advisors, corporate agents or brokers and
should not be further circulated or used for presentation to a prospect or general public at large.