fincash logo SOLUTIONS
EXPLORE FUNDS
CALCULATORS
LOG IN
SIGN UP

Fincash » Mutual Funds India » Multi-Asset Funds to Achieve Portfolio Diversification

How to Use Multi-Asset Funds to Achieve Optimal Portfolio Diversification

Updated on November 2, 2024 , 33 views

In today’s fast-changing financial landscape, investors are always looking for ways to minimise risk while maximising returns.

 Multi-Asset Funds

One of the best strategies to achieve this balance is Portfolio diversification—and multi-asset funds can help you do just that. This article will walk you through how multi-asset funds work, why they are an excellent option for diversification, and how to use them to achieve a balanced portfolio.

What Are Multi-Asset Funds?

Multi-asset funds, as the name suggests, are Mutual Funds that invest in a mix of asset classes like equities, debt, gold, Real Estate, and sometimes even international assets. The goal is to balance risk and reward by diversifying across various asset types, making your portfolio less dependent on the performance of a single Asset Class.

For example, if you hold a traditional equity mutual fund, your returns will depend solely on the stock Market. In contrast, a multi-asset fund spreads your investments across multiple asset classes, helping to reduce the impact of a market downturn in one area by providing stability from other asset classes.

Why Diversification Is Important?

Diversification is a key principle of Investing. It ensures that your investment portfolio isn’t overexposed to any single type of asset, which helps manage risk. Imagine you’ve invested all your money in one company’s stock—if the company fails, your investment could be wiped out.

Example: Suppose you have invested INR 10,00,000 entirely in stocks. If the stock market falls by 10%, you could lose INR 1,00,000. However, if you had diversified across equities, Bonds, and gold (using a multi-asset fund), the loss would likely be much less, as bonds or gold could balance out the dip in stock market performance.

Ready to Invest?
Talk to our investment specialist
Disclaimer:
By submitting this form I authorize Fincash.com to call/SMS/email me about its products and I accept the terms of Privacy Policy and Terms & Conditions.

How Multi-Asset Funds Achieve Diversification?

Multi-asset funds are professionally managed to maintain a specific Asset Allocation that matches the fund's investment objective. The allocation can vary depending on the market conditions and the fund's strategy.

For example, a typical multi-asset fund might invest:

  • 50% in equities
  • 30% in debt instruments
  • 20% in gold or other assets

This approach allows the fund to benefit from the higher returns of equities while providing the stability of debt and gold during market downturns.

Types of Multi-Asset Funds

There are several types of multi-asset funds available, each designed for different risk appetites and investment goals:

  • Conservative Multi-Asset Funds: These funds focus more on debt (like bonds) and less on equity. They are ideal for risk-averse investors seeking stable returns.

Example: A fund that invests 60% in debt instruments and 40% in equities. Balanced Multi-Asset Funds: These funds aim for a balance between risk and reward by equally investing in equities and debt.

Example: A fund with a 50-50 allocation between equities and bonds. Aggressive Multi-Asset Funds: For investors willing to take more risk, these funds invest a larger portion in equities for potentially higher returns.

Example: A fund that invests 70% in equities and 30% in bonds.

How to Choose the Right Multi-Asset Fund?

Choosing the right multi-asset fund depends on your investment goals, risk appetite, and time horizon. Here are a few things to consider:

  • risk tolerance: If you are a conservative investor, look for funds with a higher allocation to debt. For aggressive investors, funds with more equity exposure may be suitable.

  • Investment Horizon: Multi-asset funds with a high equity allocation are more suitable for long-term investments (5+ years), while funds with a higher debt allocation can be considered for short-term goals.

  • Fund Performance: Evaluate the fund’s historical performance, keeping in mind that past performance doesn’t guarantee future results. However, it can give you an idea of how the fund has navigated market fluctuations.

  • Expense Ratio: Check the expense ratio, which is the cost charged by the fund manager. Lower expense ratios mean more of your money stays invested and compounds over time.

Example of a Multi-Asset Portfolio

Let’s say you have INR 5,00,000 to invest and want to use a multi-asset fund for diversification. Here's a potential allocation:

  • INR 2,50,000 in Equities: Equities have the potential for high returns but are also more volatile. This portion will help you capitalize on market upswings.
  • INR 1,50,000 in Bonds: Bonds provide stability and regular Income. Even if the stock market takes a hit, bonds can soften the blow.
  • INR 1,00,000 in Gold: Gold serves as a hedge against Inflation and market instability, adding an extra layer of protection to your portfolio.

By spreading your money across these assets, you reduce the risk of significant loss while also maintaining the potential for good returns.

Calculating Potential Returns

To understand how this portfolio might perform, let’s use a simple hypothetical example:

  • Equities return 12% annually
  • Bonds return 6% annually
  • Gold returns 8% annually

After one year, your INR 5,00,000 portfolio might grow as follows:

  • Equities: 2,50,000 * 12% = INR 30,000
  • Bonds: 1,50,000 * 6% = INR 9,000
  • Gold: 1,00,000 * 8% = INR 8,000

Total portfolio value = INR 5,00,000 + INR 30,000 + INR 9,000 + INR 8,000 = INR 5,47,000.

While this is a simplified example, it demonstrates how multi-asset funds diversify your returns and reduce the risk of loss from any one asset class.

Tax Benefits of Multi-Asset Funds

One of the attractive features of multi-asset funds in India is the potential for long-term Capital gains (LTCG) tax benefits. If you hold your investment for more than three years, you may be eligible for a lower Tax Rate on your gains. This makes them more tax-efficient compared to constantly moving between individual asset classes.

For example, if you sell your multi-asset fund units after three years, the Capital Gains are taxed at 20% with indexation benefits, which means your taxable gains are adjusted for inflation, reducing your overall Tax Liability.

Multi-Asset Funds vs. Creating Your Own Diversified Portfolio

You might wonder, why not just buy individual stocks, bonds, and gold on your own? The answer lies in convenience and professional management. Multi-asset funds are managed by experts who constantly monitor and rebalance the portfolio to optimize returns based on market conditions. For most investors, this level of management would be time-consuming and complex to replicate on their own.

Additionally, the costs associated with managing individual assets—brokerage fees, Taxes, and the effort required—can add up. Multi-asset funds provide a cost-efficient way to achieve diversification without the hassle of managing each asset class separately.

Top 8 Best Performing Multi-Asset Funds 2024

FundNAVNet Assets (Cr)3 MO (%)6 MO (%)1 YR (%)3 YR (%)5 YR (%)2023 (%)
Motilal Oswal Multicap 35 Fund Growth ₹59.3795
↓ -0.13
₹12,5644.318.450.118.717.131
Kotak Standard Multicap Fund Growth ₹79.215
↓ -0.62
₹53,844-4.66.531.413.916.624.2
Mirae Asset India Equity Fund  Growth ₹107.41
↓ -0.75
₹42,179-2.69.625.5101518.4
JM Multicap Fund Growth ₹103.614
↓ -0.75
₹4,531-2.511.751.525.224.440
IDFC Focused Equity Fund Growth ₹84.967
↓ -1.00
₹1,7945.615.743.515.217.931.3
Principal Multi Cap Growth Fund Growth ₹370.451
↓ -2.45
₹2,854-1.310.53515.521.331.1
Aditya Birla Sun Life Equity Fund Growth ₹1,718.03
↓ -10.43
₹23,905011.53513.418.326
SBI Magnum Multicap Fund Growth ₹107.44
↑ 0.13
₹23,489-37.428.811.816.222.8
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 4 Nov 24

1. Motilal Oswal Multicap 35 Fund

(Erstwhile Motilal Oswal MOSt Focused Multicap 35 Fund)

The investment objective of the Scheme is to achieve long term capital appreciation by primarily investing in a maximum of 35 equity & equity related instruments across sectors and market-capitalization levels.However, there can be no assurance or guarantee that the investment objective of the Scheme would be achieved.

Motilal Oswal Multicap 35 Fund is a Equity - Multi Cap fund was launched on 28 Apr 14. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 18.4% since its launch.  Ranked 5 in Multi Cap category.  Return for 2023 was 31% , 2022 was -3% and 2021 was 15.3% .

Below is the key information for Motilal Oswal Multicap 35 Fund

Motilal Oswal Multicap 35 Fund
Growth
Launch Date 28 Apr 14
NAV (04 Nov 24) ₹59.3795 ↓ -0.13   (-0.22 %)
Net Assets (Cr) ₹12,564 on 30 Sep 24
Category Equity - Multi Cap
AMC Motilal Oswal Asset Management Co. Ltd
Rating
Risk Moderately High
Expense Ratio 0.94
Sharpe Ratio 4.26
Information Ratio 0.33
Alpha Ratio 22.06
Min Investment 5,000
Min SIP Investment 500
Exit Load 0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

DateValue
31 Oct 19₹10,000
31 Oct 20₹9,454
31 Oct 21₹12,879
31 Oct 22₹12,784
31 Oct 23₹14,304
31 Oct 24₹21,891

Motilal Oswal Multicap 35 Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹470,047.
Net Profit of ₹170,047
Invest Now

Returns for Motilal Oswal Multicap 35 Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 4 Nov 24

DurationReturns
1 Month -4.1%
3 Month 4.3%
6 Month 18.4%
1 Year 50.1%
3 Year 18.7%
5 Year 17.1%
10 Year
15 Year
Since launch 18.4%
Historical performance (Yearly) on absolute basis
YearReturns
2023 31%
2022 -3%
2021 15.3%
2020 10.3%
2019 7.9%
2018 -7.8%
2017 43.1%
2016 8.5%
2015 14.6%
2014
Fund Manager information for Motilal Oswal Multicap 35 Fund
NameSinceTenure
Ajay Khandelwal1 Oct 240 Yr.
Niket Shah1 Jul 222.25 Yr.
Santosh Singh1 Aug 231.17 Yr.
Rakesh Shetty22 Nov 221.86 Yr.
Atul Mehra1 Oct 240 Yr.
Sunil Sawant1 Jul 240.25 Yr.

Data below for Motilal Oswal Multicap 35 Fund as on 30 Sep 24

Equity Sector Allocation
SectorValue
Consumer Cyclical18.64%
Technology16.55%
Financial Services16.45%
Industrials16.34%
Communication Services9.29%
Asset Allocation
Asset ClassValue
Cash22.75%
Equity77.25%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Kalyan Jewellers India Ltd (Consumer Cyclical)
Equity, Since 30 Sep 23 | KALYANKJIL
10%₹1,268 Cr17,363,181
↓ -1,136,819
Jio Financial Services Ltd (Financial Services)
Equity, Since 31 Jul 23 | JIOFIN
9%₹1,121 Cr31,971,347
↓ -528,653
Persistent Systems Ltd (Technology)
Equity, Since 31 Mar 23 | PERSISTENT
8%₹1,022 Cr1,875,000
↓ -44,829
Polycab India Ltd (Industrials)
Equity, Since 31 Jan 24 | POLYCAB
8%₹974 Cr1,400,000
↑ 84,270
Coforge Ltd (Technology)
Equity, Since 31 May 23 | COFORGE
7%₹912 Cr1,300,000
↑ 50,000
Bharti Airtel Ltd (Partly Paid Rs.1.25) (Communication Services)
Equity, Since 30 Apr 24 | 890157
5%₹654 Cr5,000,000
↑ 175,000
Cholamandalam Investment and Finance Co Ltd (Financial Services)
Equity, Since 31 Mar 23 | CHOLAFIN
5%₹627 Cr3,900,000
Trent Ltd (Consumer Cyclical)
Equity, Since 31 Jan 23 | 500251
5%₹568 Cr750,000
↓ -850,000
Tube Investments of India Ltd Ordinary Shares (Industrials)
Equity, Since 31 May 22 | TIINDIA
4%₹542 Cr1,250,000
Bharti Airtel Ltd (Communication Services)
Equity, Since 30 Apr 24 | BHARTIARTL
4%₹513 Cr3,000,000

2. Kotak Standard Multicap Fund

(Erstwhile Kotak Select Focus Fund)

The investment objective of the scheme is to generate long term appreciation from the portfolio of equity and equity related sectors, generally focussed on few selected sectors.

Kotak Standard Multicap Fund is a Equity - Multi Cap fund was launched on 11 Sep 09. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 14.6% since its launch.  Ranked 3 in Multi Cap category.  Return for 2023 was 24.2% , 2022 was 5% and 2021 was 25.4% .

Below is the key information for Kotak Standard Multicap Fund

Kotak Standard Multicap Fund
Growth
Launch Date 11 Sep 09
NAV (04 Nov 24) ₹79.215 ↓ -0.62   (-0.77 %)
Net Assets (Cr) ₹53,844 on 30 Sep 24
Category Equity - Multi Cap
AMC Kotak Mahindra Asset Management Co Ltd
Rating
Risk Moderately High
Expense Ratio 1.51
Sharpe Ratio 2.28
Information Ratio -0.39
Alpha Ratio -1.36
Min Investment 5,000
Min SIP Investment 500
Exit Load 0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

DateValue
31 Oct 19₹10,000
31 Oct 20₹9,705
31 Oct 21₹14,533
31 Oct 22₹14,974
31 Oct 23₹16,311
31 Oct 24₹21,782

Kotak Standard Multicap Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹458,689.
Net Profit of ₹158,689
Invest Now

Returns for Kotak Standard Multicap Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 4 Nov 24

DurationReturns
1 Month -4.2%
3 Month -4.6%
6 Month 6.5%
1 Year 31.4%
3 Year 13.9%
5 Year 16.6%
10 Year
15 Year
Since launch 14.6%
Historical performance (Yearly) on absolute basis
YearReturns
2023 24.2%
2022 5%
2021 25.4%
2020 11.8%
2019 12.3%
2018 -0.9%
2017 34.3%
2016 9.4%
2015 3%
2014 57.9%
Fund Manager information for Kotak Standard Multicap Fund
NameSinceTenure
Harsha Upadhyaya4 Aug 1212.17 Yr.

Data below for Kotak Standard Multicap Fund as on 30 Sep 24

Equity Sector Allocation
SectorValue
Financial Services23.33%
Industrials17.97%
Basic Materials17.42%
Consumer Cyclical11.74%
Technology8.42%
Energy6.87%
Health Care3.61%
Consumer Defensive3.43%
Utility2.95%
Communication Services2.73%
Asset Allocation
Asset ClassValue
Cash1.46%
Equity98.54%
Other0%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
ICICI Bank Ltd (Financial Services)
Equity, Since 30 Sep 10 | ICICIBANK
6%₹3,373 Cr26,500,000
Bharat Electronics Ltd (Industrials)
Equity, Since 31 Aug 14 | BEL
5%₹2,794 Cr98,000,000
HDFC Bank Ltd (Financial Services)
Equity, Since 31 Dec 10 | HDFCBANK
5%₹2,771 Cr16,000,000
Infosys Ltd (Technology)
Equity, Since 30 Nov 10 | INFY
4%₹2,157 Cr11,500,000
↑ 800,000
UltraTech Cement Ltd (Basic Materials)
Equity, Since 31 Mar 14 | 532538
4%₹2,124 Cr1,800,000
Larsen & Toubro Ltd (Industrials)
Equity, Since 30 Sep 13 | LT
4%₹2,095 Cr5,700,000
Jindal Steel & Power Ltd (Basic Materials)
Equity, Since 31 Mar 18 | 532286
4%₹2,017 Cr19,400,000
↓ -100,000
Axis Bank Ltd (Financial Services)
Equity, Since 31 May 12 | 532215
4%₹1,972 Cr16,000,000
State Bank of India (Financial Services)
Equity, Since 31 Jan 12 | SBIN
3%₹1,875 Cr23,800,000
SRF Ltd (Basic Materials)
Equity, Since 31 Dec 18 | SRF
3%₹1,574 Cr6,300,000

3. Mirae Asset India Equity Fund 

(Erstwhile Mirae Asset India Opportunities Fund)

The investment objective of the scheme is to generate long term capital appreciation by capitalizing on potential investment opportunities through predominantly investing in equities, equity related securities.

Mirae Asset India Equity Fund  is a Equity - Multi Cap fund was launched on 4 Apr 08. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 15.4% since its launch.  Ranked 19 in Multi Cap category.  Return for 2023 was 18.4% , 2022 was 1.6% and 2021 was 27.7% .

Below is the key information for Mirae Asset India Equity Fund 

Mirae Asset India Equity Fund 
Growth
Launch Date 4 Apr 08
NAV (04 Nov 24) ₹107.41 ↓ -0.75   (-0.69 %)
Net Assets (Cr) ₹42,179 on 30 Sep 24
Category Equity - Multi Cap
AMC Mirae Asset Global Inv (India) Pvt. Ltd
Rating
Risk Moderately High
Expense Ratio 1.19
Sharpe Ratio 2.02
Information Ratio -0.85
Alpha Ratio -4.09
Min Investment 5,000
Min SIP Investment 1,000
Exit Load 0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

DateValue
31 Oct 19₹10,000
31 Oct 20₹9,869
31 Oct 21₹14,995
31 Oct 22₹15,079
31 Oct 23₹15,940
31 Oct 24₹20,334

Mirae Asset India Equity Fund  SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹447,579.
Net Profit of ₹147,579
Invest Now

Returns for Mirae Asset India Equity Fund 

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 4 Nov 24

DurationReturns
1 Month -4.2%
3 Month -2.6%
6 Month 9.6%
1 Year 25.5%
3 Year 10%
5 Year 15%
10 Year
15 Year
Since launch 15.4%
Historical performance (Yearly) on absolute basis
YearReturns
2023 18.4%
2022 1.6%
2021 27.7%
2020 13.7%
2019 12.7%
2018 -0.6%
2017 38.6%
2016 8.1%
2015 4.3%
2014 52.9%
Fund Manager information for Mirae Asset India Equity Fund 
NameSinceTenure
Gaurav Misra31 Jan 195.67 Yr.

Data below for Mirae Asset India Equity Fund  as on 30 Sep 24

Equity Sector Allocation
SectorValue
Financial Services35.92%
Technology13.63%
Consumer Cyclical10%
Basic Materials9.84%
Industrials7.41%
Energy5.31%
Consumer Defensive5.28%
Health Care4.7%
Communication Services3.99%
Utility2.51%
Real Estate0.69%
Asset Allocation
Asset ClassValue
Cash0.73%
Equity99.27%
Other0%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
HDFC Bank Ltd (Financial Services)
Equity, Since 28 Feb 09 | HDFCBANK
9%₹3,889 Cr22,455,492
↓ -454,474
ICICI Bank Ltd (Financial Services)
Equity, Since 31 Oct 09 | ICICIBANK
7%₹3,042 Cr23,898,432
↓ -1,067,043
Infosys Ltd (Technology)
Equity, Since 31 May 08 | INFY
6%₹2,621 Cr13,973,661
↓ -465,596
Reliance Industries Ltd (Energy)
Equity, Since 30 Apr 08 | RELIANCE
5%₹1,941 Cr6,571,552
↓ -507,227
Axis Bank Ltd (Financial Services)
Equity, Since 31 Mar 14 | 532215
4%₹1,859 Cr15,089,722
↑ 427,640
Bharti Airtel Ltd (Communication Services)
Equity, Since 31 Aug 10 | BHARTIARTL
4%₹1,682 Cr9,840,616
↓ -125,355
Larsen & Toubro Ltd (Industrials)
Equity, Since 29 Feb 12 | LT
4%₹1,634 Cr4,445,529
↑ 393,288
Tata Consultancy Services Ltd (Technology)
Equity, Since 31 May 09 | TCS
3%₹1,359 Cr3,182,834
↑ 547,052
ITC Ltd (Consumer Defensive)
Equity, Since 29 Feb 12 | ITC
3%₹1,306 Cr25,199,993
↓ -1,671,035
State Bank of India (Financial Services)
Equity, Since 31 Jul 08 | SBIN
3%₹1,250 Cr15,866,395
↓ -546,509

4. JM Multicap Fund

(Erstwhile JM Multi Strategy Fund)

The investment objective of the Scheme is to provide capital appreciation by investing in equity and equity related securities using a combination of strategies.

JM Multicap Fund is a Equity - Multi Cap fund was launched on 23 Sep 08. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 15.6% since its launch.  Ranked 16 in Multi Cap category.  Return for 2023 was 40% , 2022 was 7.8% and 2021 was 32.9% .

Below is the key information for JM Multicap Fund

JM Multicap Fund
Growth
Launch Date 23 Sep 08
NAV (04 Nov 24) ₹103.614 ↓ -0.75   (-0.72 %)
Net Assets (Cr) ₹4,531 on 30 Sep 24
Category Equity - Multi Cap
AMC JM Financial Asset Management Limited
Rating
Risk Moderately High
Expense Ratio 2.17
Sharpe Ratio 3.21
Information Ratio 1.8
Alpha Ratio 13.45
Min Investment 5,000
Min SIP Investment 500
Exit Load 0-60 Days (1%),60 Days and above(NIL)

Growth of 10,000 investment over the years.

DateValue
31 Oct 19₹10,000
31 Oct 20₹8,949
31 Oct 21₹14,858
31 Oct 22₹15,724
31 Oct 23₹19,376
31 Oct 24₹30,001

JM Multicap Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹556,833.
Net Profit of ₹256,833
Invest Now

Returns for JM Multicap Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 4 Nov 24

DurationReturns
1 Month -2.7%
3 Month -2.5%
6 Month 11.7%
1 Year 51.5%
3 Year 25.2%
5 Year 24.4%
10 Year
15 Year
Since launch 15.6%
Historical performance (Yearly) on absolute basis
YearReturns
2023 40%
2022 7.8%
2021 32.9%
2020 11.4%
2019 16.6%
2018 -5.4%
2017 39.5%
2016 10.5%
2015 -2.8%
2014 56%
Fund Manager information for JM Multicap Fund
NameSinceTenure
Satish Ramanathan20 Aug 213.12 Yr.
Asit Bhandarkar1 Oct 240 Yr.
Chaitanya Choksi31 Dec 212.75 Yr.
Ruchi Fozdar4 Oct 240 Yr.

Data below for JM Multicap Fund as on 30 Sep 24

Equity Sector Allocation
SectorValue
Financial Services23.63%
Basic Materials14.83%
Industrials14.15%
Consumer Cyclical13.39%
Technology9.68%
Health Care9.21%
Consumer Defensive5.28%
Utility4.63%
Energy1.68%
Communication Services1.51%
Real Estate1.03%
Asset Allocation
Asset ClassValue
Cash0.97%
Equity99.03%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
HDFC Bank Ltd (Financial Services)
Equity, Since 30 Nov 23 | HDFCBANK
6%₹293 Cr1,690,500
↑ 910,000
ICICI Bank Ltd (Financial Services)
Equity, Since 30 Nov 21 | ICICIBANK
4%₹200 Cr1,570,800
↑ 690,000
Infosys Ltd (Technology)
Equity, Since 30 Nov 20 | INFY
4%₹168 Cr897,750
↑ 225,000
Larsen & Toubro Ltd (Industrials)
Equity, Since 30 Nov 10 | LT
3%₹138 Cr375,231
State Bank of India (Financial Services)
Equity, Since 30 Nov 20 | SBIN
3%₹136 Cr1,725,000
↑ 725,000
Dr Reddy's Laboratories Ltd (Healthcare)
Equity, Since 31 Jul 24 | DRREDDY
3%₹132 Cr195,522
Asian Paints Ltd (Basic Materials)
Equity, Since 31 Jul 24 | 500820
3%₹117 Cr350,500
↑ 170,500
CESC Ltd (Utilities)
Equity, Since 30 Nov 23 | CESC
3%₹115 Cr5,711,774
↓ -200,000
KEC International Ltd (Industrials)
Equity, Since 31 Mar 24 | 532714
2%₹106 Cr1,023,531
↑ 90,325
Samvardhana Motherson International Ltd (Consumer Cyclical)
Equity, Since 31 Aug 24 | MOTHERSON
2%₹106 Cr5,026,315
↑ 526,315

5. IDFC Focused Equity Fund

The investment objective of the scheme is to seek to generate capital appreciation and/or provide income distribution from a portfolio of predominantly equity and equity related instruments. There is no assurance or guarantee that the objectives of the scheme will be realized.

IDFC Focused Equity Fund is a Equity - Multi Cap fund was launched on 16 Mar 06. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 12.2% since its launch.  Ranked 13 in Multi Cap category.  Return for 2023 was 31.3% , 2022 was -5% and 2021 was 24.6% .

Below is the key information for IDFC Focused Equity Fund

IDFC Focused Equity Fund
Growth
Launch Date 16 Mar 06
NAV (04 Nov 24) ₹84.967 ↓ -1.00   (-1.16 %)
Net Assets (Cr) ₹1,794 on 30 Sep 24
Category Equity - Multi Cap
AMC IDFC Asset Management Company Limited
Rating
Risk Moderately High
Expense Ratio 2.13
Sharpe Ratio 2.42
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 100
Exit Load 0-365 Days (1%),365 Days and above(NIL)

Growth of 10,000 investment over the years.

DateValue
31 Oct 19₹10,000
31 Oct 20₹10,621
31 Oct 21₹14,612
31 Oct 22₹14,308
31 Oct 23₹15,659
31 Oct 24₹23,009

IDFC Focused Equity Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹470,047.
Net Profit of ₹170,047
Invest Now

Returns for IDFC Focused Equity Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 4 Nov 24

DurationReturns
1 Month -1.5%
3 Month 5.6%
6 Month 15.7%
1 Year 43.5%
3 Year 15.2%
5 Year 17.9%
10 Year
15 Year
Since launch 12.2%
Historical performance (Yearly) on absolute basis
YearReturns
2023 31.3%
2022 -5%
2021 24.6%
2020 14.9%
2019 8.9%
2018 -12.7%
2017 54.4%
2016 1.8%
2015 -4.8%
2014 32.2%
Fund Manager information for IDFC Focused Equity Fund
NameSinceTenure
Sumit Agrawal20 Oct 167.95 Yr.
Ritika Behera7 Oct 230.99 Yr.
Gaurav Satra7 Jun 240.32 Yr.

Data below for IDFC Focused Equity Fund as on 30 Sep 24

Equity Sector Allocation
SectorValue
Financial Services28.66%
Consumer Cyclical21.22%
Industrials12.68%
Technology12.17%
Energy5.3%
Health Care5.04%
Real Estate4.84%
Utility4.15%
Consumer Defensive3.76%
Asset Allocation
Asset ClassValue
Cash2.18%
Equity97.82%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
HDFC Bank Ltd (Financial Services)
Equity, Since 30 Sep 19 | 500180
9%₹149 Cr912,664
ICICI Bank Ltd (Financial Services)
Equity, Since 31 Oct 18 | 532174
8%₹133 Cr1,078,678
↓ -141,500
Trent Ltd (Consumer Cyclical)
Equity, Since 30 Nov 22 | TRENT
6%₹101 Cr141,436
↓ -10,406
Reliance Industries Ltd (Energy)
Equity, Since 31 Aug 23 | 500325
5%₹92 Cr305,924
Apar Industries Ltd (Industrials)
Equity, Since 31 Aug 23 | APARINDS
5%₹88 Cr95,629
↓ -18,531
Phoenix Mills Ltd (Real Estate)
Equity, Since 30 Nov 22 | PHOENIXLTD
5%₹84 Cr223,835
Cholamandalam Investment and Finance Co Ltd (Financial Services)
Equity, Since 30 Jun 22 | 511243
4%₹77 Cr530,834
↓ -35,369
INOX Green Energy Services Ltd (Utilities)
Equity, Since 31 Aug 24 | INOXGREEN
4%₹72 Cr3,623,188
↑ 3,623,188
Infosys Ltd (Technology)
Equity, Since 31 Oct 19 | 500209
4%₹61 Cr314,307
FSN E-Commerce Ventures Ltd (Consumer Cyclical)
Equity, Since 31 May 24 | 543384
3%₹58 Cr2,812,367

6. Principal Multi Cap Growth Fund

(Erstwhile Principal Growth Fund)

The primary investment objective of the scheme is to achieve long-term capital appreciation.

Principal Multi Cap Growth Fund is a Equity - Multi Cap fund was launched on 25 Oct 00. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 16.2% since its launch.  Ranked 12 in Multi Cap category.  Return for 2023 was 31.1% , 2022 was -1.6% and 2021 was 46.3% .

Below is the key information for Principal Multi Cap Growth Fund

Principal Multi Cap Growth Fund
Growth
Launch Date 25 Oct 00
NAV (04 Nov 24) ₹370.451 ↓ -2.45   (-0.66 %)
Net Assets (Cr) ₹2,854 on 30 Sep 24
Category Equity - Multi Cap
AMC Principal Pnb Asset Mgmt. Co. Priv. Ltd.
Rating
Risk Moderately High
Expense Ratio 2.05
Sharpe Ratio 2.52
Information Ratio -0.45
Alpha Ratio 0.64
Min Investment 5,000
Min SIP Investment 100
Exit Load 0-365 Days (1%),365 Days and above(NIL)

Growth of 10,000 investment over the years.

DateValue
31 Oct 19₹10,000
31 Oct 20₹9,964
31 Oct 21₹16,741
31 Oct 22₹17,324
31 Oct 23₹19,239
31 Oct 24₹26,598

Principal Multi Cap Growth Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹518,033.
Net Profit of ₹218,033
Invest Now

Returns for Principal Multi Cap Growth Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 4 Nov 24

DurationReturns
1 Month -3.7%
3 Month -1.3%
6 Month 10.5%
1 Year 35%
3 Year 15.5%
5 Year 21.3%
10 Year
15 Year
Since launch 16.2%
Historical performance (Yearly) on absolute basis
YearReturns
2023 31.1%
2022 -1.6%
2021 46.3%
2020 15%
2019 3.9%
2018 -8.7%
2017 48.7%
2016 6.4%
2015 2.8%
2014 49.4%
Fund Manager information for Principal Multi Cap Growth Fund
NameSinceTenure
Ratish Varier1 Jan 222.75 Yr.
Sudhir Kedia1 Jan 222.75 Yr.

Data below for Principal Multi Cap Growth Fund as on 30 Sep 24

Equity Sector Allocation
SectorValue
Financial Services19.83%
Industrials16.44%
Consumer Cyclical15.29%
Technology8.64%
Energy8.36%
Health Care7.75%
Basic Materials5.52%
Communication Services4.99%
Consumer Defensive3.98%
Utility2.85%
Real Estate2.28%
Asset Allocation
Asset ClassValue
Cash4.06%
Equity95.94%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Reliance Industries Ltd (Energy)
Equity, Since 31 Jan 05 | RELIANCE
6%₹168 Cr556,134
HDFC Bank Ltd (Financial Services)
Equity, Since 31 Jul 09 | HDFCBANK
4%₹122 Cr746,575
Power Finance Corp Ltd (Financial Services)
Equity, Since 30 Apr 23 | 532810
3%₹93 Cr1,689,887
Larsen & Toubro Ltd (Industrials)
Equity, Since 31 May 23 | LT
3%₹85 Cr230,571
Infosys Ltd (Technology)
Equity, Since 30 Apr 08 | INFY
3%₹83 Cr425,850
NTPC Ltd (Utilities)
Equity, Since 31 Mar 23 | 532555
3%₹81 Cr1,955,077
Indian Bank (Financial Services)
Equity, Since 31 Dec 23 | 532814
3%₹76 Cr1,339,692
Lupin Ltd (Healthcare)
Equity, Since 30 Apr 24 | 500257
2%₹70 Cr311,373
KSB Ltd (Industrials)
Equity, Since 31 Jul 22 | KSB
2%₹70 Cr749,415
TVS Holdings Ltd (Consumer Cyclical)
Equity, Since 30 Sep 23 | 520056
2%₹68 Cr49,053

7. Aditya Birla Sun Life Equity Fund

An Open-ended growth scheme with the objective of long term growth of capital, through a portfolio with a target allocation of 90% equity and 10% debt and money market securities.

Aditya Birla Sun Life Equity Fund is a Equity - Multi Cap fund was launched on 27 Aug 98. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 21.7% since its launch.  Ranked 16 in Multi Cap category.  Return for 2023 was 26% , 2022 was -1.1% and 2021 was 30.3% .

Below is the key information for Aditya Birla Sun Life Equity Fund

Aditya Birla Sun Life Equity Fund
Growth
Launch Date 27 Aug 98
NAV (04 Nov 24) ₹1,718.03 ↓ -10.43   (-0.60 %)
Net Assets (Cr) ₹23,905 on 30 Sep 24
Category Equity - Multi Cap
AMC Birla Sun Life Asset Management Co Ltd
Rating
Risk Moderately High
Expense Ratio 1.69
Sharpe Ratio 2.51
Information Ratio -0.75
Alpha Ratio -0.61
Min Investment 1,000
Min SIP Investment 100
Exit Load 0-365 Days (1%),365 Days and above(NIL)

Growth of 10,000 investment over the years.

DateValue
31 Oct 19₹10,000
31 Oct 20₹9,983
31 Oct 21₹15,941
31 Oct 22₹15,579
31 Oct 23₹17,054
31 Oct 24₹23,521

Aditya Birla Sun Life Equity Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹481,656.
Net Profit of ₹181,656
Invest Now

Returns for Aditya Birla Sun Life Equity Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 4 Nov 24

DurationReturns
1 Month -3.8%
3 Month 0%
6 Month 11.5%
1 Year 35%
3 Year 13.4%
5 Year 18.3%
10 Year
15 Year
Since launch 21.7%
Historical performance (Yearly) on absolute basis
YearReturns
2023 26%
2022 -1.1%
2021 30.3%
2020 16.1%
2019 8.5%
2018 -4.1%
2017 33.5%
2016 15.2%
2015 2.9%
2014 56.6%
Fund Manager information for Aditya Birla Sun Life Equity Fund
NameSinceTenure
Harish Krishnan3 Nov 230.91 Yr.
Dhaval Joshi21 Nov 221.86 Yr.

Data below for Aditya Birla Sun Life Equity Fund as on 30 Sep 24

Equity Sector Allocation
SectorValue
Financial Services28.79%
Consumer Cyclical12.46%
Industrials11.15%
Technology10.76%
Health Care9.55%
Basic Materials8.63%
Consumer Defensive6.87%
Energy5.32%
Communication Services4.66%
Real Estate0.65%
Utility0.01%
Asset Allocation
Asset ClassValue
Cash1.17%
Equity98.83%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
ICICI Bank Ltd (Financial Services)
Equity, Since 30 Nov 16 | ICICIBANK
7%₹1,692 Cr13,287,988
Infosys Ltd (Technology)
Equity, Since 30 Apr 05 | INFY
5%₹1,219 Cr6,500,000
Bharti Airtel Ltd (Communication Services)
Equity, Since 30 Nov 17 | BHARTIARTL
4%₹892 Cr5,219,815
Reliance Industries Ltd (Energy)
Equity, Since 31 May 19 | RELIANCE
4%₹888 Cr3,008,250
↑ 208,250
HDFC Bank Ltd (Financial Services)
Equity, Since 31 Jul 08 | HDFCBANK
4%₹871 Cr5,031,369
Sun Pharmaceuticals Industries Ltd (Healthcare)
Equity, Since 31 Dec 18 | SUNPHARMA
4%₹866 Cr4,495,840
↓ -164,492
Kotak Mahindra Bank Ltd (Financial Services)
Equity, Since 28 Feb 19 | KOTAKBANK
3%₹757 Cr4,085,437
↑ 134,400
HCL Technologies Ltd (Technology)
Equity, Since 30 Nov 11 | HCLTECH
3%₹749 Cr4,168,873
↓ -678,889
Larsen & Toubro Ltd (Industrials)
Equity, Since 31 Dec 23 | LT
3%₹630 Cr1,713,497
Radico Khaitan Ltd (Consumer Defensive)
Equity, Since 30 Apr 14 | RADICO
2%₹542 Cr2,650,000
↓ -135,478

8. SBI Magnum Multicap Fund

To provide investors with opportunities for long-term growth in capital along with the liquidity of an open-ended scheme through an active management of investments in a diversified basket of equity stocks spanning the entire market capitalization spectrum, debt and money market instruments.

SBI Magnum Multicap Fund is a Equity - Multi Cap fund was launched on 29 Sep 05. It is a fund with Moderately High risk and has given a CAGR/Annualized return of since its launch.  Ranked 9 in Multi Cap category.  Return for 2023 was 22.8% , 2022 was 0.7% and 2021 was 30.8% .

Below is the key information for SBI Magnum Multicap Fund

SBI Magnum Multicap Fund
Growth
Launch Date 29 Sep 05
NAV (31 Oct 24) ₹107.44 ↑ 0.13   (0.12 %)
Net Assets (Cr) ₹23,489 on 30 Sep 24
Category Equity - Multi Cap
AMC SBI Funds Management Private Limited
Rating
Risk Moderately High
Expense Ratio 1.72
Sharpe Ratio 2.21
Information Ratio 0
Alpha Ratio 0
Min Investment 1,000
Min SIP Investment 500
Exit Load 0-6 Months (1%),6-12 Months (0.5%),12 Months and above(NIL)

Growth of 10,000 investment over the years.

DateValue
31 Oct 19₹10,000
31 Oct 20₹9,493
31 Oct 21₹15,177
31 Oct 22₹15,339
31 Oct 23₹16,457
31 Oct 24₹21,190

SBI Magnum Multicap Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹458,689.
Net Profit of ₹158,689
Invest Now

Returns for SBI Magnum Multicap Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 4 Nov 24

DurationReturns
1 Month -5.9%
3 Month -3%
6 Month 7.4%
1 Year 28.8%
3 Year 11.8%
5 Year 16.2%
10 Year
15 Year
Since launch
Historical performance (Yearly) on absolute basis
YearReturns
2023 22.8%
2022 0.7%
2021 30.8%
2020 13.6%
2019 11%
2018 -5.5%
2017 37%
2016 5.8%
2015 9.8%
2014 56%
Fund Manager information for SBI Magnum Multicap Fund
NameSinceTenure
R. Srinivasan1 Jan 222.75 Yr.
Pradeep Kesavan31 Dec 230.75 Yr.

Data below for SBI Magnum Multicap Fund as on 30 Sep 24

Equity Sector Allocation
SectorValue
Financial Services24.72%
Consumer Cyclical18.14%
Industrials12.47%
Basic Materials10%
Energy7.5%
Technology6.88%
Communication Services6.36%
Consumer Defensive5.27%
Health Care3.93%
Utility2.27%
Asset Allocation
Asset ClassValue
Cash2.46%
Equity97.54%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
HDFC Bank Ltd (Financial Services)
Equity, Since 31 Jul 15 | HDFCBANK
6%₹1,295 Cr7,475,354
↑ 850,000
Kotak Mahindra Bank Ltd (Financial Services)
Equity, Since 28 Feb 23 | KOTAKBANK
5%₹1,241 Cr6,694,000
↑ 610,000
Reliance Industries Ltd (Energy)
Equity, Since 30 Apr 20 | RELIANCE
5%₹1,154 Cr3,908,270
↓ -235,000
ICICI Bank Ltd (Financial Services)
Equity, Since 30 Apr 17 | ICICIBANK
3%₹791 Cr6,210,055
↑ 1,500,000
Infosys Ltd (Technology)
Equity, Since 31 Oct 20 | INFY
3%₹699 Cr3,725,000
↓ -770,000
Mahindra & Mahindra Ltd (Consumer Cyclical)
Equity, Since 30 Jun 22 | M&M
3%₹672 Cr2,170,000
Larsen & Toubro Ltd (Industrials)
Equity, Since 31 Mar 19 | LT
3%₹669 Cr1,821,034
Bharti Airtel Ltd (Communication Services)
Equity, Since 30 Sep 16 | BHARTIARTL
3%₹641 Cr3,750,000
Cognizant Technology Solutions Corp Class A (Technology)
Equity, Since 31 Jan 24 | CTSH
2%₹582 Cr900,000
Nuvoco Vista Corp Ltd (Basic Materials)
Equity, Since 31 Aug 21 | 543334
2%₹457 Cr12,710,062

Why Multi-Asset Funds Make Sense for Diversification

In summary, multi-asset funds offer a simple yet effective way to achieve portfolio diversification. They help spread risk across different asset classes, reducing the impact of market Volatility. Whether you're a conservative or aggressive investor, there is a multi-asset fund designed to meet your needs.

By choosing the right multi-asset fund, you can enjoy balanced returns, tax benefits, and professional management—all of which can lead to optimal diversification and long-term wealth growth.

If you’re looking to invest smartly and balance your portfolio, multi-asset funds are a great option to consider.

Disclaimer:
All efforts have been made to ensure the information provided here is accurate. However, no guarantees are made regarding correctness of data. Please verify with scheme information document before making any investment.
How helpful was this page ?
POST A COMMENT