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Fund categories
Equity
Debt
Fund categories
Equity
Debt
Multi Asset Allocation Funds
Fund categories
DSP Multi Asset Allocation Fund - Direct (G)
Equity | Multi Asset Allocation
1Y returns
21.86%Min. Invest
₹100
AUM
₹4,985.07 Cr
Sundaram Multi Asset Allocation Fund-Dir (G)
Equity | Multi Asset Allocation
1Y returns
21.69%Min. Invest
₹100
AUM
₹2,925.07 Cr
Mahindra Manulife Multi Asset Allocation Fund-Dir (G)
Equity | Multi Asset Allocation
1Y returns
21.29%Min. Invest
₹1,000
AUM
₹764.15 Cr
Nippon India Multi Asset Allocation Fund-Dir (G)
Equity | Multi Asset Allocation
1Y returns
20.60%Min. Invest
₹5,000
AUM
₹8,722.27 Cr
Union Multi Asset Allocation Fund - Direct (G)
Equity | Multi Asset Allocation
1Y returns
20.54%Min. Invest
₹1,000
AUM
₹808.16 Cr
WhiteOak Capital Multi Asset Allocation-Dir (G)
Equity | Multi Asset Allocation
1Y returns
19.86%Min. Invest
₹500
AUM
₹4,530.34 Cr
Mirae Asset Multi Asset Allocation Fund-Dir (G)
Equity | Multi Asset Allocation
1Y returns
18.72%Min. Invest
₹5,000
AUM
₹2,514.99 Cr
Aditya Birla SL Multi Asset Allocation Fund-Dir (G)
Equity | Multi Asset Allocation
1Y returns
18.62%Min. Invest
₹500
AUM
₹4,973.93 Cr
Kotak Multi Asset Allocation Fund - Direct (G)
Equity | Multi Asset Allocation
1Y returns
18.55%Min. Invest
₹100
AUM
₹9,429.18 Cr
Bajaj Finserv Multi Asset Allocation Fund-Dir (G)
Equity | Multi Asset Allocation
1Y returns
18.27%Min. Invest
₹500
AUM
₹1,283.50 Cr
Bandhan Multi Asset Allocation Fund - Dir (G)
Equity | Multi Asset Allocation
1Y returns
18.02%Min. Invest
₹1,000
AUM
₹2,396.69 Cr
SBI Multi Asset Allocation Fund - Direct (G)
Equity | Multi Asset Allocation
1Y returns
17.85%Min. Invest
₹5,000
AUM
₹11,306.23 Cr
ICICI Pru Multi-Asset Fund - Direct (G)
Equity | Multi Asset Allocation
1Y returns
17.57%Min. Invest
₹5,000
AUM
₹71,900.48 Cr
AXIS Multi Asset Allocation Fund - Direct (G)
Equity | Multi Asset Allocation
1Y returns
17.04%Min. Invest
₹100
AUM
₹1,704.90 Cr
Quant Multi Asset Allocation Fund - Direct (G)
Equity | Multi Asset Allocation
1Y returns
16.70%Min. Invest
₹5,000
AUM
₹4,056.73 Cr
HSBC Multi Asset Allocation Fund - Direct (G)
Equity | Multi Asset Allocation
1Y returns
16.14%Min. Invest
₹5,000
AUM
₹2,407.97 Cr
Tata Multi Asset Allocation Fund - Dir (G)
Equity | Multi Asset Allocation
1Y returns
15.01%Min. Invest
₹5,000
AUM
₹4,478.75 Cr
Baroda BNP Paribas Multi Asset Fund - Dir (G)
Equity | Multi Asset Allocation
1Y returns
14.86%Min. Invest
₹5,000
AUM
₹1,248.19 Cr
HDFC Multi-Asset Fund - Direct (G)
Equity | Multi Asset Allocation
1Y returns
14.53%Min. Invest
₹100
AUM
₹5,149.08 Cr
Quantum Multi Asset Allocation Fund - Direct (G)
Equity | Multi Asset Allocation
1Y returns
14.46%Min. Invest
₹500
AUM
₹48.38 Cr
UTI-Multi Asset Allocation Fund - Direct (G)
Equity | Multi Asset Allocation
1Y returns
13.75%Min. Invest
₹5,000
AUM
₹6,375.80 Cr
Bank of India Multi Asset Allocation Fund-Dir (G)
Equity | Multi Asset Allocation
1Y returns
12.15%Min. Invest
₹5,000
AUM
₹337.14 Cr
Shriram Multi Asset Allocation Fund - Direct (G)
Equity | Multi Asset Allocation
1Y returns
11.17%Min. Invest
₹500
AUM
₹137.19 Cr
Edelweiss Multi Asset Allocation Fund - Dir (G)
Equity | Multi Asset Allocation
1Y returns
7.98%Min. Invest
₹100
AUM
₹2,416.61 Cr
Motilal Oswal Multi Asset Fund - Direct (G)
Equity | Multi Asset Allocation
1Y returns
-7.72%Min. Invest
₹500
AUM
₹93.80 Cr
Franklin India Multi Asset Allocation Fund-Dir (G)
Equity | Multi Asset Allocation
1Y returns
%Min. Invest
₹5,000
AUM
₹2,224.76 Cr
360 ONE Multi Asset Allocation Fund - Direct (G)
Equity | Multi Asset Allocation
1Y returns
%Min. Invest
₹1,000
AUM
₹203.54 Cr
Groww Multi Asset Allocation Fund - Direct (G)
Equity | Multi Asset Allocation
1Y returns
%Min. Invest
₹500
AUM
₹305.21 Cr
Invesco India Multi Asset Allocation Fund-Dir (G)
Equity | Multi Asset Allocation
1Y returns
%Min. Invest
₹1,000
AUM
₹554.16 Cr
LIC MF Multi Asset Allocation Fund - Direct (G)
Equity | Multi Asset Allocation
1Y returns
%Min. Invest
₹5,000
AUM
₹802.27 Cr
Canara Robeco Multi Asset Allocation Fund-Dir (G)
Equity | Multi Asset Allocation
1Y returns
%Min. Invest
₹5,000
AUM
₹1,088.35 Cr
Samco Multi Asset Allocation Fund - Direct (G)
Equity | Multi Asset Allocation
1Y returns
%Min. Invest
₹5,000
AUM
₹357.27 Cr
What are Multi asset allocation funds?
Multi asset allocation funds are hybrid mutual funds that invest in at least three different asset classes, such as equities, debt, and commodities like gold. These funds aim to diversify their portfolio across various asset classes to optimize returns and manage risk effectively.Features of Multi asset allocation funds
These funds diversify investments across multiple asset classes including equity, debt, gold, and other commodities or real estate.They offer complete diversification and risk management through a single investment vehicle.- Diversification: Invest in multiple asset classes to spread risk.
- Flexibility: Adjust allocations based on market conditions.
- Risk Management: Lower risk compared to single asset class funds.
- Professional Management: Managed by experienced fund managers.
How do Multi Asset Allocation Mutual Funds Work?
The best Multi Asset Allocation Mutual Funds work by allocating investments across different asset classes based on market conditions and the fund manager’s strategy. For example, during market volatility, the fund may increase its allocation to debt instruments for stability, while in bullish markets, it may increase equity exposure for stable returns. This dynamic allocation helps in balancing risk and return.Why Invest in Multi asset Allocation Funds?
The benefits of investing in multi asset allocation funds are multiple. These funds provide portfolio diversification, reducing the risk associated with investing in a single asset class. They offer flexibility to adjust allocations based on market conditions, which can optimize returns. Additionally, when you invest in multi asset allocation funds, they are managed by professional fund managers. The managers make informed decisions to balance risk appetite and reward.Who Must Invest in Multi asset allocation funds?
Investors seeking comprehensive diversification across equity, debt, gold, and other asset classes should invest in multi asset allocation mutual funds. They suit conservative investors wanting inflation-beating returns with lower volatility than pure equity funds. These funds benefit first-time investors looking for one-stop investment solutions, retirees seeking stable returns with capital preservation, and investors who prefer professional management across multiple asset classes without actively monitoring markets.Factors to consider while investing in Multi Asset Allocation Mutual Fund Schemes
Investing in these funds requires careful evaluation of the fund's asset allocation strategy, historical performance, and risk management approach. This will help you understand whether or not you should invest in multi asset allocation mutual funds.- Expense Ratio: Check the fund’s expense ratio as it impacts net returns.
- Fund Manager’s Expertise: The success of the fund depends on the manager’s skills.
- Market Conditions: The fund’s performance is influenced by market volatility and liquidity.
- Investment Horizon: Ideal for long term investments.
Risk Involved with Multi asset allocation funds
While these funds aim to manage risk through diversification, they are not entirely risk free. Additionally, there is the risk of underperformance if the fund manager’s decisions do not align with market movements. You must note this risk before you invest in multi asset allocation mutual funds.Taxation Rules of Multi asset Allocation Funds
These funds are treated as equity funds for tax purposes if they maintain a minimum equity exposure. Short term capital gains are for less than 12 months. These gains are taxed at 15%. The long term capital gains are for more than 12 months. This gain must exceed ₹1 lakh, taxed at 10% without indexation. This tax treatment makes them more attractive compared to pure debt funds, which are taxed at a higher rate.FAQ’s
How long should I stay invested in a Multi Asset Allocation mutual fund?
The industry norm is to stay invested in Multi Asset Allocation mutual funds for at least 3 to 5 years to navigate market fluctuations and achieve optimal returns.
What kind of returns can I expect from a Multi Asset Allocation Fund?
Returns from the best multi asset allocation mutual funds can vary based on market conditions and the fund manager’s decisions.
What are the benchmark uses for multi asset funds?
The best multi asset allocation funds typically use a composite benchmark that reflects the performance of the various asset classes they invest in, such as a mix of equity and debt indices.
Where do these funds invest in?
The best multi asset allocation funds are invested in equities, debt instruments, and other asset classes like gold or real estate, depending on the fund’s strategy and market conditions.
What is a high expense ratio for a multi asset fund?
A high expense ratio for a multi asset fund is typically above 2%. It’s important to compare expense ratios across similar funds to ensure you’re getting the best value for your investment portfolio.
How does Multi Asset Fund reduce volatility?
Multi Asset Funds reduce volatility by diversifying investments across different asset classes.
