Investing does not have to be complicated.

This plan has a focused multicap fund (maximum 30 stocks), a thematic fund (focused on consumption opportunities) a credit risk fund and an equity savings fund. SBI Focused Equity Fund endeavours to provide long term capital appreciation, while SBI Consumption Opportunities aims to benefit from long term growth potential of companies in the consumption space. Further, SBI Credit Risk Fund offers the possibility of earning higher accrual by investing across the credit spectrum. SBI Equity Savings Fund tries to balance risk and returns by investing in a mix of equity, debt and arbitrage. The use of arbitrage (by taking exposure to derivative), to manage equity exposure, enables the fund to provide tax-efficient returns (benefiting from equity-market linked returns and equity taxation) with lower volatility compared to pure equity funds. This plan if selected in totality (equal allocation) would score high on the risk return matrix.

This plan is for you if:

• Investment horizon of over 5 years
• Looking for relatively higher returns and comfortable with slightly higher risk

In this plan a diversified multicap fund i.e. SBI Magnum Multicap Fund aims to provide long term capital appreciation and SBI Equity Hybrid Fund invests in equities of high growth companies and balances the risk through investing in fixed income securities. Further, SBI Short Term Debt Fund, a fund with Macaulay duration between 1 - 3 years (Please refer to the page no. 16 of SID for details on Macaulay’s Duration) provides the opportunity for earning regular income through investments in debt securities not below investment grade.

SBI Savings Fund invests in money-market instruments and aims to provide better risk-adjusted returns than the traditional short-term savings investments. This plan if selected in totality (equal allocation) offers a fair mix of risk and return.

This plan is for you if:

• Investment horizon of over 5 years
• Looking for reasonable risk-adjusted returns with a moderate appetite for risk

This plan offers investors reasonable growth with relatively lower risk. While SBI Blue Chip Fund offers relatively stable returns through investments primarily in large cap companies which are usually leaders in their industry and have good visibility, SBI Debt Hybrid Fund primarily invests in fixed income instruments (which aims to provide stability) and remaining in equity instruments for long term growth. SBI Dynamic Asset Allocation Fund is a model-based fund which allocates between equity, debt and cash based on market movements. SBI Savings Fund invests in money-market instrument and aims to provide better risk-adjusted returns than the traditional short-term savings investments.

SBI Savings Fund invests in money-market instruments and aims to provide better risk-adjusted returns than the traditional short-term savings investments. This plan if selected in totality (equal allocation) offers a fair mix of risk and return.

This plan is for you if:

• Investment horizon of over 5 years
• Looking for reasonable returns through an exposure to large-cap based companies, a hybrid debt fund, a dynamic asset allocation fund and a money market fund with relatively low-risk debt instruments