About the program

Reliance Salary AddVantage is a savings cum investment program that has been planned meticulously to draw optimum advantage from your investments by :

• Allocating idle funds to liquid scheme** that has a potential to earn a little extra everyday in the short-term
• Investing into other open-ended schemes that have the potential to deliver higher returns over a long-term period to meet your long-term financial goals.

Thus, Reliance Salary AddVantage helps you bridge the gap between savings and investments along with the added benefit of liquidity.

Investing with a short-term perspective

Through Reliance Salary AddVantage the funds are invested in low-risk instruments like the Reliance Liquid Fund** to achieve optimum returns in the short term. Reliance Liquid Fund Treasury Plan Retail is an open-ended liquid scheme, which endeavours to make the most of the opportunities that exist in money market and other short-term, fixed income securities.

Highlights of the Reliance Liquid Fund
• High liquidity • Minimal interest rate risk • Potential to earn on daily basis • No Entry or Exit Load
   

Past performance may or may not be sustained in future.

Investing with the long-term perspective

The key to astute financial planning is to start early and keep on investing on a regular basis to achieve your long-term financial goals. Be it your child’s education, marriage or buying a home. Reliance Salary AddVantage allows you to do exactly the same through the Systematic Transfer Plan (STP). STP allows you to allocate your idle money from Liquid Fund to one or more than one*** transferee schemes like Growth Fund and Vision Fund which have the potential to give higher returns over a long-term period and thus help you achieve your long term financial goals.

A little every month
Reliance Salary AddVantage is really very simple. Every month, you are encouraged to invest a fixed amount regularly or whenever you have surplus savings at hand.
Through Reliance Salary AddVantage, the funds are invested in Reliance Liquid Fund Treasury Plan Retail Option**. The funds can then be allocated to different schemes, keeping in mind your long-term financial goals.

Convenient modes of transaction
Once you have enrolled under Reliance Salary AddVantage program,
you would be able to transact through :    

• Reliance Any Time Money Card which enables you to access your investments at over 1 million* VISA-enabled ATMs across the globe. You can withdraw up to 50% of your investment instantly - any time of the day or night. The Card is an ATM cum debit card, which allows you to carry out cashless transactions at over 24 million* VISA-enabled Merchant Establishments, across the globe.
  One cash withdrawal and one balance enquiry per card will be free every month at HDFC Bank ATMs only. Charges applicable on subsequent transactions or balance enquiry. No charges applicable on card usage at Merchant Establishment locations.
  *source: corporate.visa.com
• Online Transaction Facility : You can buy, switch or redeem your units online from the comfort of your home or office using the online transaction facility. Do visit www.reliancemutual.com
• Personalised Transaction Request Boooklet : A physical transaction slip would allow you invest, redeem or switch mutual fund units from your account conveniently

Other key benefits

• Intercity Transaction Facility : Purchase/redeem units from any Reliance Mutual Fund Branch/ Investors Service Centre across India at no extra cost.
• Systematic Withdrawal Plan : This facility allows you to give standing instructions to transfer money to your bank account for a specific purpose for e.g. for an EMI.

How to invest under Reliance Salary AddVantage
You can enrol into the program

• Through your employer
• Through your Financial Advisor or contact our call center

About us
Reliance Mutual Fund, a part of the Reliance - Anil Dhirubhai Ambani Group (R-ADAG) is one of the fastest growing mutual funds in the country. Reliance Mutual Fund offers investors a well-rounded portfolio of products to meet varying investor requirements. Reliance Mutual Fund has a presence in over 80 cities across the country, an investor base of over 2 million and manages Average Assets Under Management (AAUM) of Rs. 1,01,320 Crores and an investor count of over 74 Lakh folios (AAUM and investor count as of June 2010)

**other schemes where this program is available are as follows :
• Reliance Growth Fund • Reliance Vision Fund • Reliance Equity Opportunities Fund • Reliance NRI Equity Fund • Reliance Banking Fund • Reliance Pharma Fund • Reliance Media and Entertainment Fund • Reliance Diversified Power Sector Fund • Reliance Tax Saver (ELSS) Fund- subject to a lock in for 3 yrs • Reliance Equity Fund • Reliance Quant Plus Fund (Formerly Reliance Index Fund) • Reliance Income Fund • Reliance Medium Term Fund • Reliance NRI Income Fund • Reliance Monthly Income Plan • Reliance Floating Rate Fund • Reliance Regular Savings Fund

***transferee schemes where STP is available are as follows :
Reliance Banking Fund, Reliance Diversified Power Sector Fund, Reliance Pharma Fund, Reliance Vision Fund, Reliance Growth Fund, Reliance Media & Entertainment Fund, Reliance Equity Opportunities Fund, Reliance Tax Saver (ELSS) Fund- subject to a lock in for 3 yrs, Reliance Equity Fund, Reliance Monthly Income Plan, Reliance Income Fund, Reliance Medium Term Fund, Reliance Liquid Fund (not eligible in case of Capital Appreciation Systematic Transfer Plan), Reliance Short Term Fund, Reliance Gilt Securities Fund, Reliance Floating Rate Fund

Sponsor : Reliance Capital Limited.
Trustee : Reliance Capital Trustee Co. Limited.
Investment Manager : Reliance Capital Asset Management Limited.
Statutory Details : The Sponsor, the Trustee and the Investment Manager are incorporated under the Companies Act 1956.

General Risk Factors :
Mutual Funds and securities investments are subject to market risks and there is no assurance or guarantee that the objectives of the Scheme will be achieved. As with any investment in securities, the NAV of the Units issued under the Scheme can go up or down depending on the factors and forces affecting the capital markets. Past performance of the Sponsor/AMC/Mutual Fund is not indicative of the future performance of the Scheme. All schemes mentioned above are only the names of the Schemes and does not in any manner indicate either the quality of the Schemes; their future prospects or returns. The Sponsor is not responsible or liable for any loss resulting from the operation of the Schemes beyond their initial contribution of Rs.1 lakh towards the setting up of the Mutual Fund and such other accretions and additions to the corpus. The Mutual Fund is not guaranteeing or assuring any dividend/bonus. The Mutual Fund is also not assuring that it will make periodical dividend/bonus distributions, though it has every intention of doing so. All dividend/bonus distributions are subject to the availability of distributable surplus in the Schemes. For scheme specific risk factors, please refer to the provisions of the Offer Document. Please read the Offer Document carefully before investing.