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Aditya Birla Capital LimitedAditya Birla Capital Limited (“ABCL”) is a listed systemically important non-deposit taking Non-Banking Financial Company (NBFC) and the holding company of the financial services businesses. Through its subsidiaries/JVs, ABCL provides a comprehensive suite of financial solutions across Loans, Investments, Insurance, and Payments to serve the diverse needs of customers across their lifecycles. Over 1,482 branches and more than 200,000 agents/channel partners along with several bank partners.
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1,482
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2,00,000+
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INR 3,550 Billion
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39 Million
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INR 699 BillionABCL
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Aggressive Hybrid Mutual Funds
- Average returns - Dynamic
- Number of funds - (Static)
What is a Aggressive Hybrid Funds ?
An Aggressive Hybrid Fund is an open-ended, equity-oriented hybrid scheme which invests a major part of its portfolio in equity and the rest in debt instruments.
Advantages of Aggressive Hybrid Funds
Long-term growth
Unlock the return potential of equity instruments and grow your wealth with a long-term investment horizon.
Portfolio diversification
Enjoy a diversified equity and debt portfolio to mitigate risks and enhance the return potential.
Automatic rebalancing
Aggressive Hybrid Funds are automatically rebalanced to maintain the equity-debt ratio to stabilise the risks and returns.
Higher Returns Than Pure Debt
With a significant allocation to equities, these funds generally offer the potential for higher returns over the long term.
Explore Aggressive Hybrid Funds
AUM: 23427(Cr)
Risk: Very High
- MIN. INVESTMENT 500
- 5 YRS RETURNS 33.32%
- Invest (Per Month) ₹10000
- Get (30 Yrs) ₹24,850*
*Projections/estimations is backtested using historical data.
- AUM: 23427(Cr)
- Risk: High
- MIN. INVESTMENT 1000
- 5 YRS RETURNS 33.32%
- Invest (Per Month) ₹15000
- Get (30 Yrs) ₹34,850*
*Projections/estimations is backtested using historical data.
Aggressive Hybrid Funds Returns Calculator
REGULAR INVESTMENT
SIP
Invest systematically in regular amounts and build a corpus with a disciplined investing habit.
START SIPONE TIME INVESTMENT
Lump sum
Invest once with the facility of lump sum investing and save at your will. Time the market correctly and earn good returns.
INVEST LUMPSUMTotal Amount Invested
₹ 0
after 30 years you will get a return of
₹ 0
Disclaimer: Projections/estimations is backtested using historical data.
Total Amount Invested
₹ 0
after 30 years you will get a return of
₹ 0
Disclaimer: Projections/estimations is backtested using historical data.
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Understanding Aggressive Hybrid Funds
Table of Contents
What are Aggressive Hybrid Funds?What are the features of Aggressive Hybrid Funds?What are the different types of hybrid funds?What should be the investment horizon for Aggressive Hybrid Funds?What is the tax implication of Aggressive Hybrid Funds?What are the payout options?Who should invest in Aggressive Hybrid Funds?
What are Aggressive Hybrid Funds?
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Aggressive Hybrid Funds are equity-oriented hybrid mutual fund schemes that invest at least 65% to 80% of the total portfolio in equity and 20% to 35% of the portfolio in debt. These funds offer a good return potential with the added stability of debt.
What are the features of Aggressive Hybrid Funds?
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Minimum 65% allocation in equities and 20% in debt
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Moderate to high risk-return trade-off
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Suitable for investors with a long-term investment horizon
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Invest through SIPs or lump sum
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Earn tax-free returns up to Rs.1 lakh if you stay invested for 12 months or more
What are the different types of hybrid funds?
Arbitrage Funds
Funds that invest in arbitrage opportunities. At least 65% of the fund is invested in equity
Equity Savings Funds
Funds that invest in equity, debt and arbitrage opportunities. A minimum of 65% of the portfolio is invested in equity and 10% in debt
Balanced Hybrid Fund
Hybrid funds which invest 40% to 60% of the portfolio in equity and the remainder in debt
Multi-Asset Allocator Fund
Funds that invest at least 10% of the portfolio in three different asset classes
Conservative Hybrid Fund
Hybrid funds which invest 75% to 90% of the portfolio in debt and the remainder in equity
What should be the investment horizon for Aggressive Hybrid Funds?
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Aggressive Hybrid Funds are equity-oriented schemes
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To avoid short-term volatility, a medium to long-term investment horizon is recommended
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Arbitrage opportunities are when the price of an equity security is different in the spot or cash market and the futures or derivatives market
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Such a horizon also helps earn attractive investment returns
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You also get a tax benefit on staying invested for 12 months or more
What is the tax implication of Aggressive Hybrid Funds?
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Aggressive Hybrid Funds attract equity taxation on the capital gains earned
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Returns up to Rs.1 lakh are tax-free if you stay invested for 12 or more months
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Returns exceeding Rs.1 lakh are taxed at 10%
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For redemption within 12 months, returns are taxed at 15%
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Dividends earned, if any, are taxed at your income tax slab rate
What are the payout options?
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Dividend option
Earn dividends on your investment at regular intervals
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Growth option
Accumulate the returns over the investment tenure and get a lump sum amount on redemption
Who should invest in Aggressive Hybrid Funds?
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New equity investors
You can mitigate high risks with the debt component present in the portfolio
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Investors looking to invest in debt and equity
Aggressive Hybrid Funds are a good choice if you want debt and equity exposure from a single fund.
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Investors with a 3-5 year investment horizon
To ride out the short-term equity volatility, it is better to have an investment horizon of 3 years or more. Choose Aggressive Hybrid Funds if you can stay invested for 3 years or more.
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FAQs On Aggressive Hybrid Funds
Aggressive Hybrid Mutual Funds are a mix of equity and debt instruments with higher allocation in equity and stocks and limited allocation in debt funds. These funds typically have 65-80% investment in equity and the balance 20-35% in debt and FD-like instruments. This small debt component ensures some balance and stability to the equity exposure, also known as balanced funds. The key difference between aggressive hybrid mutual funds is its higher allocation to equities compared to other types of mutual funds and outperforming the other funds in terms of returns, though the risk involved is also higher.
Aggressive hybrid mutual funds are suited for investors who want capital appreciation with a moderate level of risk. These hybrid mutual funds are ideal for both new and experienced investors to generate wealth in the long term.
● First-time investors: These funds are suited for beginners who are new to investment in equities don’t want high risk and are looking for a balanced portfolio.
● Investors nearing retirement: Individuals who are near their retirement and don’t have accumulated retirement corpus, can also invest in aggressive hybrid mutual funds to create one with higher returns and capital appreciation.
● Investors with an investment horizon of three to five years: Individuals can invest in aggressive hybrid mutual funds for financial goals within three to five years as the majority of the amount is invested in equity which requires a moderate horizon to realise its full potential.
Aggressive Hybrid Funds are comparatively less risky than pure equity mutual funds. As these funds have a significant equity component, their value might fall less than the pure equity funds during market corrections. The risk of Aggressive Hybrid Funds includes changes in the interest rates affecting the debt instruments, and market volatility impacting equity holdings.
Returns on Aggressive Hybrid Funds vary based on the fund performance, market conditions and asset allocation. Aggressive Hybrid Funds generally underperform than the pure equity mutual funds in a rising market as a part of it is invested in debt instruments ensuring lower risk than equity. However, these funds aim for higher returns in the long run and the difference in returns between these funds and pure equity mutual funds is not substantial.
The taxation of Aggressive Hybrid Funds depends on its holding period. Though these funds invest in both equities and debt instruments, they are considered equity hybrid funds for taxation purposes as they hold more than 65% of investment in equities. Short-term capital gains which result from holding the funds for less than one year are taxed at 15%, and long-term capital gains exceeding Rs. 1 lakh during a financial year are taxed at 10%.
Further, the dividend on these funds is added to the income of the investor and is taxed at their normal slab rate and TDS is also applicable on dividends more than RS. 5000.
Types of Hybrid Mutual Funds
Equity-Oriented Fund
Other asset class funds
Debt Funds
Invest in debt securities for low risks and stable returns.
Know More
Equity Fund
Give your savings the growth they deserve. Invest in Equity Funds and unlock the potential of long-term growth
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ETF Funds
Invest in funds listed and traded on the stock exchange
Fund of Funds
Mutual funds that invest in other mutual funds both in India and globally
Index Fund
Passively-managed mutual funds tracking a particular index
Know More