The portfolio bifurcations mentioned below are generally applicable as per the risk profile of investors. These are not suggestions or advise and investors need to evaluate their risk profile before choosing the appropriate portfolio that is suitable to them.
Mutual Funds are subject to market risk, please read all scheme related documents carefully.
MAXIMA
For aggressive and assertive investors who are High risk takers
This plan is for those high-risk taking investors who are ready to barge into the market, looking for higher returns on their investments. Such a portfolio has a mid and small-cap at 40%, keeping the HIGH exposure in mind. As per the market situation, the valuation and allocation vary, while you must rebalance the portfolio approach. Despite the high orientation of mid and small-cap, investors who stay for 5-7 years and get great returns from this portfolio
BUILDER
For Growth investors
The Builder plan is for the ones venturing into a beat high alpha generation portfolio but do not have an aggressive approach. A large-cap with active allocation can definitely give you good returns, but small and mid-cap can do the trick too. The funds that have consistent performance and a high ranking in the risk-reward matrix. Long-term returns from this portfolio are also great, preferably in more than five years
STABLE
Enjoy both Debt and Equity Flavor
This portfolio offers a mix of both equity and debt for the investors. Following a very theorist approach, this is for those who love the share market returns but are wary of putting in a large amount of money. Balanced equity and debt do the trick for them to get reasonable growth without taking much risk. This balanced approach requires your commitment from 3-5 years, and you can see stability with growth in the portfolio.
SECURE
Stability with better taxation benefit
The Secure portfolio is ideal for those investors who do not want to take any kind of risk at all. This is the best blend of balanced plus debt combinations, which can bring stability to the portfolio while offering slightly high alpha. However, you must know that the debt funds are not as volatile as the equity schemes. Debt funds are slightly sensitive to interest rate movements, so we follow only short-term debt funds in this safe-to-play portfolio. They simply focus on earning from interest accruals rather than on capital gains. Secure gives you minimal exposure to equity and is mostly a safe, conservative portfolio.
INCOME GENERATOR
Enjoy Retirement
Designed for those seeking income after retirement, this portfolio simply follows the 3S principles of return safe, secure, and stable. This is the assurance of regular income to those who have retired, as income is always better than living off a fixed deposit. Retirees should definitely consider keeping their retirement fund in such a reliable debt fund and withdraw money monthly like salary, like in this Income Generator portfolio. SWP 8% yearly can fetch monthly pension like money without interrupt and even principal appreciation, Investor can expect from the fund over the next 5 years.
Risk Factors – Investments in Mutual Funds are subject to Market Risks. Read all scheme related documents carefully before investing. Mutual Fund Schemes do not assure or guarantee any returns. Past performances of any Mutual Fund Scheme may or may not be sustained in future. There is no guarantee that the investment objective of any suggested scheme shall be achieved. All existing and prospective investors are advised to check and evaluate the Exit loads and other cost structure (TER) applicable at the time of making the investment before finalizing on any investment decision for Mutual Funds schemes. We deal in Regular Plans only for Mutual Fund Schemes and earn a Trailing Commission on client investments. Disclosure For Commission earnings is made to clients at the time of investments. Option of Direct Plan for every Mutual Fund Scheme is available to investors offering advantage of lower expense ratio. We are not entitled to earn any commission on Direct plans. Hence we do not deal in Direct Plans.
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