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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. Powered by over 59,000 employees, the businesses of ABCL have a nationwide reach with
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Best Multi-Asset Allocation Mutual Funds
- Average returns - Dynamic
- Number of funds - (Static)
What is a Multi-Asset Allocation Fund?
A multi-asset allocation is a type of hybrid mutual fund which invests its portfolio in three different asset classes like equity, debt, gold, real estate, etc. The portfolio aims to give you exposure to different assets for attractive returns while reducing investment risks.
Advantages of Multi-Asset Allocation Funds
Portfolio diversification
Enjoy a diversified portfolio of three different asset classes and earn returns however the market performs.
Automatic rebalancing
The portfolio is automatically rebalanced so you don’t lose out on the investment returns while the risk is kept low.
Easy entry and exit
Invest in the fund or redeem your investment whenever you want to without incurring any entry or exit load.
Explore Multi-Asset Allocation 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.
Multi-Asset Allocation 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 Multi-Asset Allocation Funds
Table of Contents
What are Multi-Asset Allocation Funds?What are the features of Multi-Asset Allocation Funds?What are the different types of hybrid funds?What should be the investment horizon for Multi-Asset Allocation Funds?What is the tax implication of Multi-Asset Allocation Funds?What are the payout options?Who should invest in conservative hybrid funds?
What are Multi-Asset Allocation Funds?
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Multi-Asset Allocation Funds are diversified hybrid mutual fund schemes that invest at least 10% of their portfolio in three different asset classes. Fund managers can choose from equity, debt, gold, real estate, and other types of assets for portfolio allocation.
What are the features of Multi-Asset Allocation Funds?
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Minimum 10% allocation in each of the three types of asset class
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Diversified portfolio generates good returns while keeping the risks low
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Suitable for investors who are looking for portfolio diversification and want to invest for a medium to long-term horizon
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Invest through SIPs or lump sum
What are the different types of hybrid funds?
Aggressive Hybrid Funds
Funds that invest 65% to 80% of their portfolio in equity securities and 20% to 35% in debt
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
Arbitrage Funds
Funds that invest in arbitrage opportunities. At least 65% of the fund is invested in equity
Conservative Hybrid Fund
Funds that invest at least 75% to 90% of the portfolio in debt and the rest in equity.
What should be the investment horizon for Multi-Asset Allocation Funds?
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Most Multi-Asset Allocation Funds have a considerable exposure to equity
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Since equity faces a short-term volatility risk, investing for the medium or long-term horizon is suitable
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A horizon of 3 or more years is recommended
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It also helps in earning attractive returns
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If the scheme is equity-oriented, you also get tax benefits for staying invested for 12 or more months
What is the tax implication of Multi-Asset Allocation Funds?
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The tax implication depends on the portfolio composition
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If the Multi-Asset Allocation Fund has a minimum of 65% exposure to equity, it is eligible for equity taxable
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Under equity-oriented funds, returns earned within 12 months would be taxed at 15%
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Returns earned after 12 months would be tax-free up to Rs.1 lakh
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Excess returns would attract a 10% tax
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If the Multi-Asset Allocation Fund does not have a minimum of 65% equity exposure, it would attract debt taxation
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The returns earned are taxed at your income tax slab rates
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Dividends earned, if any, from either equity or debt-oriented funds 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 conservative hybrid funds?
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New investors
You can protect against high volatility risks of equity by diversifying your portfolio with other asset classes
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Investors looking for good returns
You can earn good returns with exposure to different types of assets in your portfolio.
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Investors with a medium to long-term horizon
If you are looking to invest for 3 or more years, Multi-Asset Allocation Funds would be a suitable choice
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FAQs On Multi-Asset Allocation Funds
Multi-Asset Allocation Fund is a type of hybrid mutual fund which invests the funds in a diversified portfolio with at least 10% of the value in three or more classes of assets as per the guidelines issued by SEBI. Multi-Asset Allocation Funds as its name suggests typically have allocation to multiple assets including debt instruments, equity instruments and another class of asset such as gold, commodities, real estate, etc. The goal is to provide a balance between return and risk by diversifying the portfolio across different asset classes.
Diversification in multi-asset allocation helps lower the risk of volatility in any asset class. Investing in a mix of different asset classes, such as equity, debt and other assets, aims to decrease the impact of poor performance in any single asset category. Diversification helps to enhance the overall returns of the portfolio and manage risk.
The taxation of Multi-Asset Allocation Funds depends on the holding period and type of mutual fund scheme you have invested in. If the fund's equity exposure is higher than 65%, it is taxed as an equity-oriented fund. Similarly, if the debt allocation is higher, it is taxed as a debt fund. Equity-oriented funds with a holding period of less than 12 months are taxed at 15% as short-term capital gains , and for a holding period of more than 12 months, are taxed at 10% with an exemption of up to Rs. 1 lakh as long-term capital gain. Debt-oriented funds having a holding period of less than 36 months are short-term capital gains taxed at the applicable income tax slab rate, and those having a holding period of more than 36 months are taxed as long-term capital gain at 20% with indexation benefits.
Exit load vary for mutual funds. Multi-Asset Allocation Funds generally have an exit load of 1-2% for redemptions made within a specified period. Check the exit load applicability and charges before investing.
Investors can withdraw/redeem their Multi-Asset Allocation Fund at any time. However, check the exit load charges which might be applicable for early redemption or redemption within the specified lock-in period, if any.
Types of Hybrid Mutual Funds
Equity-Oriented Fund
Other asset class funds
Debt Funds
Invest in debt securities for low risks and stable returns.
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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
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