MF-based Equity, Hybrid and Liquid Investment Approaches
Balanced Advantage (BA) Portfolio

The main objective of the portfolio approach is to generate capital appreciation in the long term through investments in Hybrid Mutual Fund schemes.

  • Hybrid Mutual Fund schemes.
  • Debt oriented Mutual Funds schemes, Debt ETFs, Liquid Funds and Arbitrage Funds.

  • Rule-based Hybrid Mutual Fund scheme selection: Concentrated Portfolio.
  • The balance idle cash will be invested either in Debt oriented Mutual Funds, Debt ETFs, Liquid Funds and Arbitrage Funds.

  • Balanced Advantage / Dynamic Asset Allocation Fund - 80% to 100%.
  • Cash, Debt oriented Mutual Fund schemes, Debt ETFs, Liquid Funds and Arbitrage Funds - 0% to 20%.

In case of deviation in the above provided asset allocation, the same shall be rebalanced within 30 days.

  • Asset Allocation: Asset allocation between debt and equity is done to generate risk adjusted returns. There are chances that asset allocation may not help to generate appropriate risk adjusted return .
  • Hybrid Mutual Fund schemes: Under this investment approach investments are made in Hybrid Mutual Fund schemes. At times hybrid Mutual Fund schemes may under-perform their respective benchmark and at times the portfolio can have higher volatility.
  • Debt oriented Mutual Fund schemes, Liquid Funds, Debt ETFs & Arbitrage Funds: Investment is done in debt oriented Mutual Fund schemes, liquid funds and arbitrage funds. Such investment may carry risk of lower returns along with credit risk, interest rate risk and default risk. Liquidity may be lower in ETFs which may have some impact on portfolio returns.
  • For detailed risk factors, please refer to the section on ‘Risk Factors’.

This approach performance would be benchmarked against Nifty 50 Hybrid Composite Debt 50:50 Index. The composition of the benchmark is such that it is most suited for comparing performance of the Investment Approach.

Medium to Long Term

Hybrid

For detailed risk factors please refer to the Risk Factors below
For detailed Investment Approach please refer to the latest Disclosure Document

FactSheet

Freedom Portfolio

The main objective of the portfolio approach is to generate capital appreciation in the long term through investments in Equity oriented Mutual Fund schemes.

  • Equity oriented Mutual Fund scheme.
  • Debt oriented Mutual Funds, Liquid Funds and Arbitrage Funds.

  • Rule-based Mutual Fund selection: Concentrated Portfolio.
  • The balance idle cash will be invested either in Debt oriented Mutual Funds, Liquid Funds and Arbitrage Funds.

  • Equity oriented Mutual Fund scheme - 80% to 100%.
  • Cash, Debt oriented Mutual Funds, Liquid Funds and Arbitrage Funds - 0% to 20%.

Under this investment approach investments are made in equity oriented Mutual Fund schemes. At times, equity- oriented schemes may under-perform their respective benchmarks and at times the portfolio can have higher volatility.

For detailed risk factors please refer to the section on “Risk Factors”.

The performance would be benchmarked against Nifty 50 TRI. The composition of the benchmark is such that it is most suited for comparing performance of the Portfolio.

Long Term

Equity

For detailed risk factors please refer to the Risk Factors below
For detailed Investment Approach please refer to the latest Disclosure Document

FactSheet

Liquid Portfolio

The main objective of the portfolio approach is to generate a reasonable return commensurate with low risk by investing in appropriate Mutual Fund schemes.

  • Arbitrage Funds
  • Liquid Funds
  • Money Market Funds

  • Schemes are selected based on low credit risk and interest rate risks, consistency of performance, lower exit load, etc.
  • Investments in any Mutual Fund scheme shall generally not be greater than 45% of the portfolio.
  • Single Asset Management Company exposure will generally be restricted to 70% of the portfolio.

  • Arbitrage Funds - 0% - 100%
  • Liquid Funds - 0% - 100%
  • Overnight Funds - 0% - 50%

In case of deviation in the above provided asset allocation, the same shall be rebalanced within 30 days.

Under this investment approach investments are made in low maturity debt schemes and Arbitrage Funds. Although investment will be done in low maturity debt schemes or Arbitrage Funds, schemes may have interest rate risk and credit risks. Further, returns can also be very low.

For detailed risk factors please refer to the section on “Risk Factors”.

The performance would be benchmarked against Nifty Medium to Long Duration Debt Index The composition of the benchmark is such that it is most suited for comparing performance of the Portfolio.

Short Term

Debt

For detailed risk factors please refer to the Risk Factors below
For detailed Investment Approach please refer to the latest Disclosure Document

FactSheet

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