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e parking solutions for efficient utilization of each rupee for each day, to long term interest rate view-based products, their range spans varying time horizons and incomes. Their debt products are managed to minimize liquidity & credit risks and also manage interest rate risks. They come with periodic dividend and growth options to enable you to choose your income streams in a manner most efficient for your needs.

On the equity market side, their equity funds offer a choice of size, sectors, themes and styles to enable participation in the broad market and its segments.

The chart below plots schemes offered by ICICI Prudential Mutual Fund on a risk-return scale that helps you zero-in on the relevant schemes that match your risk taking ability and the returns you

ICICI Prudential Long Term Floating Rate Plan

Much as we may dislike it, interest rates change constantly in response to changes in the underlying fundamentals. Every change in interest rates impacts the value of our fixed income portfolio i.e increase in rates reduces the value of what we hold, and vice versa. If interest rates on instruments in the portfolio keep getting reset according to the prevailing market rates, we may be able to focus on the interest income, without undue worry about its impact on our portfolio value. ICICI Prudential Long Term Floating Rate Plan enables such a focus on interest rates, creating a portfolio that responds to these changes and minimizes their impact. ICICI Prudential Long Term Floating Rate Plan further extends this benefit by tapping into products whose interest rates are benchmarked to longer term rates.

Investment Philosophy

ICICI Prudential Long Term Floating Rate Plan is a debt fund that invests predominantly in debt securities with a floating rate of interest. The majority of floating rate instruments in the portfolio are benchmarked to the 1 year INBNK rate and the rest are benchmarked to a short term rate like the Mibor with resets taking place at 3 month / 6 month intervals. This also ensures that the portfolio has limited interest rate risk. The portfolio also invests in fixed rate securities, but spreads out its investments such that parts of the portfolio mature regularly, enabling redeployment at newer rates. The portfolio also uses the interest rate swap market to swap fixed rates for floating rates. During times of increases in interest rates, the Plan enables focus on the interest income, rather than losses in portfolio value.

1. ICICI Prudential Systematic Investment Plan (ICICI Prudential SIP)

ICICI Prudential SIP allows you to make your investments in periodic installments instead of a lump sum amount. This has the following advantages:

It helps you start small, with as low as Rs. 1000 per month.

It helps you reduce the risk of mistiming the market.

It helps you buy more units when the market is down and fewer units when the market is up. Thus reducing the cost of entry.

2. ICICI Prudential Systematic Transfer Plan (ICICI Prudential STP)

ICICI Prudential STP allows you to make a本论文由英语论文网提供整理，提供论文代写，英语论文代写，代写论文，代写英语论文，代写留学生论文，代写英文论文，留学生论文代写相关核心关键词搜索。