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Did you know that international students have to pay college fees on top of tuition fees to study at Cambridge University? This is why you need to save to send your child to Cambridge University. UK’s oldest and top institute with the lowest acceptance rate and skyrocketing tuition fees – getting admission at this college is not enough. From expensive tuition costs to living expenses costing £12,400 on average (11-12 lakhs yearly), the need to invest and save is urgent! Suppose, if your child goes for an MBA in this university, he or she will have to pay Rs 58 to 59 lakhs per year for tuition fees. Similarly, if your child is going for BTech or MBBS here, he or she will have to pay somewhere around Rs 33 – 58 lakhs per year for tuition fees. How do you need to save to send your child to Cambridge?  1. Preparing an education fund  Preparing an education fund helps in growing your financial corpus. You can do this by investing in financial assets which have a longer-term plan. These plans include mutual funds, ETFs, and so on. Start by deciding your monthly budget. Choose an investment plan which suits your need and budget. Make sure that you do not invest in a plan which offers low returns. ULIPs are a really good option if you are saving up for your child’s education at the University of Cambridge.   Public Provident Fund is another great option that you can go for. Parents prefer going for PPF because it provides a specific interest rate and is extremely secure. Apart from this, you must always prepare a long-term investment option.   Start Investing in Mutual Funds 2. Balanced investment options  Fixed deposits are great ways to invest but do not beat inflation. You cannot rely on them for the long term since they provide fixed returns of 5-6% while inflation in the current economy averages around 7-8%. The chances are that as an investor, you will lose the opportunity to gain from the markets.   Equity funds will be a good option for you if you start early as a parent. Around eight to ten years are required for you to build the right amount of corpus. You can go for SIPs in equity funds because they have a good return value and do not require heavy sums of money in one go.   Equity exposure until five years to the date of maturity can prove to be extremely beneficial. In the last decade, equity mutual funds have delivered an average return of 15%.   If you consider yourself a moderate-risk investor, you can still invest 60% to 70% of your total investment amount in equities. Make sure that you have a sufficiently long investing horizon so that you can counter crashes and volatility. Remember investing is risky but a good plan and a great advisor can help you manage your money better even in the worst climate.    Start Investing in US Market 3. Aggressive investment options  Equity investment leads to higher risk but also good returns. If you want to add more options to your portfolio, you can go for aggressive investments. In such a type of investment option, the investor takes on more risk to that he or she can achieve a higher potential return. Investing in stocks is a way of doing so. Although it is quite volatile and requires daily inspection, it has the potential to offer a chance for greater gains when compared to other types of investment.   Some other types of aggressive investment options are stock mutual funds, real estate investment trusts, hedge funds, emerging markets, small-cap stock funds, private equity, foreign stocks, global funds, and so on.  There are many ways to save to send your child to Cambridge but all start with smart planning for the right cost with the right experts. If you want the best for your child’s education, connect with us!  FAQs What are the fees of the University of Cambridge in Indian rupees? Tuition fees - 21.57 - 56.31 lakhs. Is Cambridge expensive for students? Ans. Yes, the University of Cambridge is generally considered expensive for students due to tuition fees, living costs, and other associated expenses. However, scholarships, grants, and financial aid options are available to help mitigate the costs for eligible students. How much does it cost to go to Cambridge for 4 years? Ans. The expected four-year cost of tuition for members of the class of 2026 who were admitted in the fall of 2022 is $71,364. The anticipated four-year cost of enrollment, including living expenses and personal fees, is $132,625. Talk to Our Experts

Mutual funds are ideal investment options for both risk-aggressive and risk-averse investors as they help to achieve investment goals easily and effectively. Choosing the best mutual fund scheme irrespective of the various alternatives is a challenge in itself.  Both beginners and seasoned investors must take precautions while investing because of the immense risk involved. You do not want to throw away your hard-earned money on just a hearsay scheme or a fund that offers average returns, especially when you have a scope of earning higher returns at less risk. https://www.youtube.com/watch?v=uYlrsx9_yog 10 steps to Choose the Best Mutual Fund Scheme Step 1: Identify Investment Goals   Identify your investment goals by answering related questions like is the objective current income or long-term capital gain? Is the money for short-term like education expenses of children or future expenses like the retirement fund that is very far away? Identifying the investment goals helps to choose the mutual fund scheme that will fulfill the financial aspiration of the investor effectively. Step 2: Determine Risk Tolerance How much return are you expecting on your investment matters as it helps to determine whether the investor is a moderate or high-risk taker? Risk tolerance refers to the risk that the investor is willing to take with his investments.  It is now compulsory for all mutual fund houses to show the risk associated with the invested amount. Step 3: Look at the Time Horizon The time horizon is the period for which the investor desires to invest his money in a mutual fund scheme. It can be short or long term ranging from one day to even more than five years.  There are different fund categories meant for different time horizons and it is better to choose the best mutual fund scheme that will be able to meet your specific time horizons. Step 4: Focus on the Fund Type - Growth or Dividend Choose the fund type which is the best option to meet your specific needs. The growth option is best for long-term needs as it can handle higher volatility and risk factors. These funds also have greater potential for higher returns.  Dividend funds are short-term investment goals. They provide interest regularly and are considered stable investments with moderate returns. Step 5: Look at the Fees and Loads Some mutual funds charge a sales fee at either the time of purchase or sale of the investment known as a load. The purpose of the load is to cover the associated administrative charges and discourage turnover. Mutual fund houses levy various charges which are paid by the investors, who must know about them in detail before choosing the mutual fund scheme for themselves.  Step 6: Consider the Assets Under Active or Passive Management Determine the type of assets you want in your portfolio and then choose the mutual fund scheme accordingly.  Actively managed funds levy higher fees and try to outperform the benchmark index whereas passively managed funds levy lower fees and try to track the performance of a benchmark index. Step 7: Evaluate Managers and Past Results Conduct research about the fund's history by asking yourself whether the fund has suffered more volatility than other major funds and whether the fund manager was able to deliver the expected results.  Reviewing the fund’s prospectus gives a fair idea of its future and helps to choose the best fund. Step 8: Size of the Fund Although the size of the fund does not stop it from meeting the investment goals investors should keep it manageable for better handling. Step 9: Do not be Dependent Only on the History Although the fund history is an indicator of future performance it cannot guarantee high returns. Take related things into consideration like comparison with the benchmark index, fund types, fees, risk factors, etc. before making a viable choice about the mutual fund scheme you want to invest in. Step 10: Select What Matters Investors must focus on things that matter for instance expense ratios, investment strategy, risk factors fees, and a chance of future success. It is important to take the help of reputed platforms and understand the best ways of choosing the right mutual fund scheme for yourself.  The EduFund App along with the SIP calculator makes the process of choosing the mutual fund scheme an easy experience. Customer-friendly saving/ investment experts provide customized solutions, top-class security enables secured transactions, and a scientific fund tracker screens various financial scenarios to recommend the best out of the 4000+ mutual funds associated with the platform. Every investor wants to choose the best mutual fund scheme but they must consider their individual preferences, investment objective, risk appetite, and the fundamental features of the scheme before making a final decision. https://www.youtube.com/shorts/6dthLxZnOH8 FAQs What are the key factors to consider when choosing a mutual fund scheme? Key factors include investment goals, risk tolerance, time horizon, fund type (growth or dividend), fees, assets management style, fund manager's track record, fund size, and various other critical parameters. How can one determine their risk tolerance? Risk tolerance is determined by the investor's willingness to accept risk for potentially higher returns. It can be assessed by evaluating how much volatility or fluctuation in investment value one is comfortable with. What is the significance of the time horizon in selecting a mutual fund scheme? The time horizon indicates how long you plan to keep your money invested. It's crucial because different fund categories are suitable for different time frames, and choosing the right one aligns with your financial goals. What are the fees and loads associated with mutual funds? Mutual funds may charge sales fees, known as loads, at the time of purchase or sale. Investors should also be aware of other fees like expense ratios, which cover administrative costs, and impact overall returns. Why is it important to consider a fund manager's past results? Evaluating a fund manager's track record provides insight into their ability to deliver expected results and manage the fund effectively. Past performance is one of the factors investors consider when making investment decisions. TALK TO AN EXPERT

In this dynamic and ever-changing environment of mutual fund investments, it can become difficult to evaluate the right fund for you. This week, Groww is launching its Nifty Small Cap 250 Index Fund. Here is a short note as to why it should be on your watchlist: With a ten-year compound annual growth rate (CAGR) of 18.90%, the Nifty Small Cap Index has outperformed the Nifty 50, demonstrating the potential of small-cap stocks to deliver significant returns. The fund offers diversification across industries that are not usually included in the Nifty 50, such as media & publishing, textiles, media, and forest materials. The current valuations of the Nifty Small Cap 250 Index present an attractive proposition, trading at a price-to-earnings (P/E) ratio 19% below its ten-year averages. Furthermore, in comparison to actively managed funds in its category, which has a P/E of 42.62. the small-cap index trades at a P/E OF 25.63 as of January 31, 2024. Groww utilizes its proprietary high-frequency rebalancing technology called 'SPEAR', to closely align the fund with its index, enhancing the potential for returns to closely mirror the benchmark. Additionally, given its characteristics, investing in this fund can serve as a strategic step towards financing long-term education goals, as the potential for higher growth could support savings and investment objectives. In conclusion, this fund is directed towards those investors with a high-risk appetite seeking diversified exposure to small caps in the Indian equity sector.

Wish to save for child's gadgets? Do you want to know how to start? We have an easy solution for it! Electronics have evolved into a vital component of our day-to-day lives. It's crucial to teach your kids how to use technology responsibly in today's digitally driven world and to develop the knowledge and behaviors that will help them succeed as digital citizens. The latest gadgets for youngsters are rarely inexpensive and often appear out of reach. Are you looking for methods to save money on your child's gadgets? This article will assist you in planning your desired gadget without trying to empty your bank account. Follow these simple recommendations to keep your child's new tech costs low. Fun Fact: 27% of parents with children aged between 9 and 13 years reported that their kids had access to access to both desktops and smartphones for the entire day outside of in-person classes at school. Ways to save for child's gadgets 1. Start a SIP  Start a SIP plan to meet your short-term and medium-term goals. SIP allows an investor to invest a certain amount of money in a mutual fund scheme at predetermined intervals. SIP allows you to acquire units on a set date each month in order to create a savings strategy for yourself. EduFund assists parents in budgeting for electronic gadget purchases. It has a separate section dedicated to saving children’s electronic gadgets. The app also shows you different gadget options and provides you with savings plans to start saving for the gadgets on the app.  Electronic device prices have been skyrocketing, and with the Covid-19 outbreak, electronic prices are rising even further. EduFund addresses the financial needs of parents since electronic gadgets have become essential for children’s education in today's society. Start SIP with EduFund 2. Do your research Before actually buying electronic gadgets, it is essential to research. It is a good practice to look around at wide varieties and brands. Examine both offline and online retailers to gain a comprehensive analysis.  If you wait until your old equipment cracks, you'll feel compelled to purchase a brand-new one without looking around or looking for a good deal. When you browse online, you can instantly comprehend the pricing and position yourself for a good deal when it arises. Track the progress of the valuations of the gadgets you want to buy to save money on electronics. https://www.youtube.com/shorts/N6RKPu_zoY8 Source: EduFund 3. Return old gadgets The need for reconditioned technology has increased exponentially in recent years. In addition to global supply chain disruptions, customers have been convinced to buy used technology owing to price considerations, environmental considerations, and the accessibility of lifetime management solutions. While purchasing new gadgets, parents should look to return their old gadgets and concentrate on a buyback offer. They can exchange old products with the purchase of new products. Useful Gadgets for Students Read More 4. Request a price match or a discount Many retailers meet their competitors' electronics market prices on the same product. If you're loyal to a favorite retailer, find out if they can fit the competition's offer. You can also participate in a membership program that will earn you points or discounted rates once you connect.  If the seller fits a competitor's offer, you could use that membership program to get electronics at a cheaper rate. If you can't obtain a comparable object for a reduced price, it Is better to negotiate.  Most traditional retailers might not provide the same benefit; however, they might be more willing to cooperate with you to make a deal and discuss electronic purchases. 5. Warranties aren't worth it Numerous parents fear their child's new phone will end up in a pool of water or, even worse. Purchase extended warranties for their electronic gadgets. Read the fine print to avoid paying extra for something you don't need - or paying large amounts for a product that doesn't even protect against water damage.  A void warranty is a waste of money and certainly cause for concern. Choose a standard complimentary warranty over an extended warranty. Fun Fact: 18% of parents reported that their children had access to a combination of desktops, tablets, and smartphones. Advantages of gadget use Children of all ages can benefit from technology, which offers tools that encourage learning via play, let them express their creativity, and keep them socially linked. For kids under the age of five, it serves as stimulation. It can be applied to speech as well as to encourage learning. The young ones' visual representation may help them develop their senses. The use of technology to play games fosters cognitive development and analytical abilities. This encourages the child to think more creatively, strategically, and generally to be more productive. Tech-savvy children will also be more equipped for a workforce that will be largely digital. A few fundamental parenting principles will assist you in establishing ground rules and preserving technological harmony at home. https://www.youtube.com/watch?v=MJblBYWNxLo Conclusion Students nowadays rely heavily on technology. These devices are critical for children as they are required to boost their learning abilities and knowledge. Nowadays, independent learning is supported since children can study without the aid of teachers. Students use the internet for research and online libraries to complete their homework. As a result, technological devices have become unavoidable in the current world. Invest for their Gadgets here! FAQs Is it good to give gadgets to children? Yes, some gadgets are good for your children. However, you should have a time limit on how long they can use the gadgets in a day. Too much usage can affect your kid's attention span and even strain their eyes. How to save for your kid's gadgets? The best way to save for your child's gadgets is to start a goal and a SIP for it. Rather than buying or taking an EMI, you can start a SIP and save for the amount. You can do all this on the EduFund App. It helps you save for your kid's education expenses like buying a phone or a laptop. How can gadgets help children? Some gadgets are known for helping kids with motor skills, learning languages, and even sharpening their spatial knowledge.

HDFC Asset Management Company Ltd. (HDFC AMC) is one of India's largest mutual fund companies. It is among one of the most profitable asset management companies (AMC) in the country. The company manages assets of over Rs. 5.5 Lakh crores (excluding domestic fund of funds) as of 31st December 2023. Let us talk about the consumer product – HDFC Infrastructure Fund.  About HDFC Infrastructure Fund Investment Objective: The scheme aims to invest predominantly in a diversified portfolio of equity and equity-related securities of companies that are either engaged in or expected to benefit from the growth and development of infrastructure.  Must Read: Top Mutual Funds for your child's education in 2024! Investment Process  The portfolio mainly invests in the following segments:  Asset Financiers – Banks and infrastructure financing companies.  Asset Creators – Engineering and construction companies.  Asset Owners/Developers – Companies that own infrastructure projects.  The scheme may invest up to 20% of the funds in non-infrastructure-related companies. Also, there is no bias related to the market cap of the companies, and the scheme shall invest across all market capitalization.  Portfolio Composition  The fund holds 92.11% equity, 3.06% real estate, and 4.83% in Cash and cash equivalents. The top five sectors hold more than 77% of the equity portfolio.  Note: Data as of 31st December. 2023Source: Value Research                                                          Top 5 Holdings for Infrastructure Fund  Name Sector Weightage % J Kumar Infraprojects Construction 7.11 Coal India Materials 6.21 ICICI Bank Financial 6.20 Larsen & Toubro Construction 5.64 Premier Explosives Capital Goods 5.03 Note: Data as of 31st December. 2023. Source: Value Research  Past Performance  If one had invested Rs. 10,000 at the fund's inception, it would now be valued at Rs. 37,776.  Fund name 1Y 3Y 5Y 10 Y Since Inception HDFC Infrastructure Fund (%) 55.42 38.54 18.86 14.90 8.77 Benchmark Returns (%) 61.08 41.24 22.65 16.09 9.12 Additional Benchmark Returns (%) 21.30 17.24 16.25 14.56 11.34 Note: Data as of 31st December. 2023 and the performance is of regular plan.Benchmark - S&P BSE India Infrastructure Index (TRI), Additional Benchmark - NIFTY 50 (Total Returns Index)  Source: HDFC Mutual Fund  Fund Managers for HDFC Infrastructure Fund  Currently, the HDFC Infrastructure Fund is managed by the following fund managers.  Mr. Srinivasan Ramamurthy is a Fund Manager – Equity and has collectively over 15 years of experience in equity research and fund management.  Mr Dhruv Muchhal is a Senior Equity Analyst and Fund Manager for Overseas Investments  Explore More: HDFC Hybrid Equity Fund Who Should Invest in HDFC Infrastructure Fund?  This product is suitable for investors who are seeking.  To generate long-term capital appreciation/income  Investment predominantly in equity and equity-related securities of companies engaged in or expected to benefit from the growth and development of infrastructure.  Why Invest in this Fund?  As Infrastructure plays a critical role in India’s self-reliance and economic prosperity, receiving significant focus from the government an investor gets an opportunity to invest in India’s infrastructure space through asset developers, asset owners, and asset financiers.   Investors can benefit from the growth and development of infrastructure due to increased budgetary capital spending and favourable policies.  The HDFC Infrastructure Fund has been in existence for the last 15 years. It provides an opportunity to invest in India’s infrastructure. The fund has consistently underperformed its benchmark. However, keeping in mind the government's focus on infrastructure and capex requirements in India for the economy's growth, the sector can show good performance in the upcoming future and can benefit the companies engaged in the sector. Hence, investors need to remain invested long-term to witness capital appreciation and outperformance with an understanding of high risk.  Disclaimer: This is not recommendation advice. All information in this blog is for educational purposes only.  Invest Now

Mutual funds, the stock market, and bank deposits are India's best beginner investment options. The majority of novice investors are young and just starting their careers. They will therefore be investing for the long term. Beginner investors should aim to maximize their investments as they have experience and time on their side. In this article, we will be discussing the following topics: Why should you begin investing right away? You may take full advantage of the benefits of a long-term investing horizon by starting to invest when you are young. You might use an aggressive approach to your investment methods because of your age. Even if something went wrong, you would still have ample time to recover and go on to make a profit. Therefore, the key to maximizing investment prospects is to start investing early. Investment options for beginners in India Here are some investment options for people with no background or experience in investing. These options have lower, moderate, and higher risks, and an investor can choose to invest in different investment vehicles based on their needs. 1. Bank deposits People who don't like taking risks should put money in a bank. Minimal-risk investments have equity runs, though. You should consider investing in fixed deposits assuming you have a lump sum available. The interest rates on fixed deposits are rather decent and, if invested for a long time, can return a large sum. You may invest in a recurring deposit if you can put aside a set amount regularly, such as monthly or quarterly. One thing to keep in mind is that the potential profits provided by mutual funds and the stock market never match those provided by bank deposits. 2. Stock markets Among all investment options, investing in stocks gives you the possibility to get the best returns. You may invest with a long-term investing horizon because time is on your side. By doing this, you will combat market volatility and gain long-term advantages. To invest in the stock market, you must have some market understanding, though. If not, you should avoid the stock market. Without market expertise investing in stocks is equivalent to gambling. Your investment would be worth Rs 4.75 crore now if you had invested Rs 55,000 in shares of Eicher Motors, the company that makes Enfield motorcycles, in the year 2001 ($17.50 per share). The stock market has that kind of power. Additional read: What is foreign direct investment? 3. Mutual funds If you have a long-term investment plan, you can invest in mutual funds and take advantage of the power of compounding. Additionally, you do not need to be market-savvy. Mutual funds are run by expert fund managers with a proven track record of running successful investment portfolios. You may invest in equity funds given that you are a young investor and that these are recognized for providing outstanding long-term returns. Although investing in hybrid and debt funds might reduce your profits, they are still attractive options. You can invest in an equity-linked savings plan to reduce your taxes (ELSS). With this money, you can defer up to Rs 46,800 in taxes each year as per Section 80C of the Income Tax Act of 1961. No other tax-saving investment provides the twin advantage of tax deductions and wealth building like ELSS mutual funds do. 4. Government schemes A few government programs are available for investment. The Public Provident Fund is the most well-liked government savings program (PPF). It has a 15-year lock-in period with returns of between 7% and 9% annually. Additionally, you can put money into a Voluntary Provident Fund (VPF) or National Savings Certificate (NSC) (VPF). Starting to invest early in life is the secret to being wealthy. This will provide you with the chance to build a significant amount over time, and you can rely on this to achieve different goals. 5. Savings Accounts and Certificates of Deposit (CDs): Savings Accounts and Certificates of Deposit offer low risk and are ideal for short-term goals or emergency funds.  6. Real Estate Investment Trusts (REITs): Real Estate Investment Trusts invest in real estate without owning physical property.  7. Robo-Advisors: Robo-advisors are automated platforms that create a diversified portfolio based on your risk tolerance. Starting your investment journey can help you build wealth, achieve financial goals, and beat inflation over time.  Important Considerations for New Investors:  Set Clear Goals: Establish your financial objectives and investment horizon.  Determine your level of comfort with risk by evaluating your risk tolerance.  Spread your investments among various asset types to lower risk through diversification.  Research: Learn about the investments you're considering and the market trends.  Costs: Be aware of fees, including management fees, commissions, and taxes.  Taking the long view: Investing is a marathon, not a race. Avoid reacting to short-term market fluctuations.  Emergency Fund: Have an emergency fund in place before investing to cover unexpected expenses.  Stay Informed: Keep up with financial news to regularly review your portfolio.  How Much Money is Needed to Begin Investing:  The amount of money needed to begin investing can vary widely depending on the investment option you choose and your financial goals. Here's a general overview of how much you might need to start investing in different asset classes in Indian Rupees (INR):  Stock Market: You can begin investing in stocks with as little as INR 500 to INR 1,000 if you choose to buy shares of individual companies. However, it's recommended to have a diversified portfolio, so having INR 5,000 to INR 10,000 or more is a better starting point. A lot of brokerage firms have no minimum investment requirements.  Mutual Funds: The minimum investment amount can vary depending on the fund and the fund house. It typically ranges from INR 500 to INR 5,000 or more. Some mutual funds offer systematic investment plans (SIPs), where you can invest smaller amounts regularly, often as low as INR 500 per month.  Index Funds: Like mutual funds, the minimum investment for index funds varies but is usually in the range of INR 1,000 to INR 5,000.  Savings Accounts and CDs: You can open a savings account with a minimal deposit, often as low as INR 1,000 or even less. Certificates of Deposit (CDs) may require larger amounts, typically starting at INR 10,000 or more.  Real Estate Investment Trusts (REITs): Investing in REITs often requires purchasing shares through a stock exchange, so the minimum investment amount would be like that of the stock market, varying from 500 to 5,000 or more Indian rupees.  Robo-Advisors: Robo-advisors typically have lower minimum investment requirements compared to traditional financial advisors. You might be able to start with as little as INR 5,000 or less.  Keep in mind that while these are general guidelines, the specific minimum investment requirements can vary among different providers and investment options. It is critical to conduct research and select assets that are compatible with your financial objectives and risk tolerance. Additionally, it's advisable to consult with a financial advisor before making any significant investment decisions to ensure they are suitable for your individual circumstances.  When deciding how much to invest, consider the following factors:    Your Financial Situation: Ensure you have an emergency fund and pay off high-interest debts before investing.  Investment Goals: Determine what you're investing in and your time horizon.  Risk Tolerance: Consider how much risk you're comfortable with; this can influence your initial investment amount.  Regular Contributions: Even if you start small, commit to regular contributions to your investments to benefit from compounding over time.  Costs and Fees: Be aware of any fees associated with your chosen investments; these can eat into your returns.  Starting with a small amount and gradually increasing your investments as your financial situation improves is a prudent approach. The key is to begin investing early, stay committed to your goals, and continuously educate yourself about investment options and strategies. Over a period of time, even small contributions can grow into a substantial portfolio.  FAQsWhat should I invest in as a beginner?  As a beginner, start with low-risk options like index funds or ETFs, offering diversification. These require minimal knowledge and provide exposure to the broader market.  How do I start investing if I don't know anything?   Start by educating yourself through books, online courses, or consulting a financial advisor. Then, open a brokerage account, begin with a small amount, and gradually increase your investments.  What is the simplest investment?   A savings account is the simplest investment. You deposit money, earn interest, and can withdraw it at any time without risk to the principal.  What is the smartest way to start investing?  The smartest way is to begin with a clear financial goal, assess your risk tolerance, diversify your investments, keep costs low, and invest consistently over time. Consider low-cost index funds or seek professional advice.  Conclusion There are various types of investment options in the market but only a few for people who don’t have enough knowledge to study their investments. Hence, you should compare the options available to know and find out the risks involved and whether they suit you. In any case, whenever you need advice or information regarding investment plans, reach out to a financial expert. TALK TO AN EXPERT

Know all about UTI Floater Fund and the UTI Asset Management Company. UTI is one of the pioneers of the Indian Mutual Fund Industry. With an AUM of more than Rs 2.66 Lakh crore, the AMC is among the most trusted names in the mutual fund space. The UTI Mutual Fund offers products across asset classes.   Let us discuss the flagship product – UTI Floater Fund.  About UTI Floater Fund  Investment Objective – The investment objective of the scheme is to generate reasonable returns and reduce interest rate risk by investing in a portfolio comprising predominantly of floating rate instruments and fixed rate instruments swapped for floating rate returns.  Investment Process The scheme uses a systematic approach to debt investing, the “GIMS”, which is as follows:  Gate:  Encompasses issuer onboarding through rigorous analysis and research process  Aims to build the investment universe in line with investment policies  Investments:  Comprehensive fund strategy framework  Incorporates Fund Strategy and Style, Risk management Framework and Potential Risk Class Matrix  Risk Limits are central to strategy  Monitoring & Surveillance:  Monitoring and review of the investment universe, Market Data Analytics, Early Warning Signal (EWS) parameters, Use of external sources for added surveillance, Automation for increased efficiency  Portfolio Composition  The portfolio comprises 93.03% allocation in debt, and the remaining 6.69% is held in cash and cash equivalents.      Note: Data as of 30th November, 2023.  Source: Value Research  Top 5 Holdings for UTI Floater Fund   Name Instrument Weightage % National Housing Bank Debenture 7.79 Debenture 8.80 Canara Bank CD Certificate of Deposit 8.65 Reserve Bank of India T-Bills 182-D 29/02/2024 Treasury Bills 6.92 Small Industries Devp. Bank of India Ltd CP Commercial Paper 6.87 Kotak Mahindra Bank Ltd CD Certificate of Deposit 6.62  Note: Data as of 30th November, 2023.  Source: Value Research  Performance Since Inception  Period UTI Floater Fund CRISIL Low Duration Debt Index (%) CRISIL 10 Years Gilt Index (%) 1 Year 6.70 7.50 6.77 3 Years  4.45 5.43 2.93 5 Years 5.85 6.57 5.96 Since Inception 5.87 6.65 6.30  Note: Data as of 30th November,2023  Source: utimf.com  Fund Manager  Mr.Sudhir Agarwal is the Fund Manager and Executive Vice President & Fund Manager-Fixed Income at UTI AMC Ltd. He joined UTI AMC in 2009 after four years of experience. He is a CFA Charter holder from CFA Institute, USA, and holds a post-graduate Diploma in Management and a master’s in commerce. He is a Fund Manager managing various debt schemes.  Why Invest in UTI Floater Fund?  The scheme aims to generate accrual income by investing in high-quality debt and money market instruments, which are hedged using OIS swaps.  The scheme is positioned to capture yield movement in the 6 to 12-month segment.  The scheme maintains a moderate duration to reduce interest rate volatility.  Who Should Invest in UTI Floater Fund?  This fund is suitable for Investors  Who are seeking for reasonable income and liquidity over the near to short term.  Who are looking to diversify their fixed-income portfolio.  Ideal Time to Stay Invested   Ideal for investment with a time horizon of 6 to 12 months.  Conclusion  UTI Floater fund is an open-ended debt scheme predominantly investing in floating rate instruments. The portfolio of this fund is High-Quality accrual oriented and is positioned to capture yield movement in the short term. Thus, investors who want to park their money for a short period with low to moderate risk metrics can consider this fund for investment.  Disclaimer: This is not recommendation advice. All information in this blog is for educational purposes only.  Create a goal for your child's future

Ever wondered why advisors recommend early investing? Why it is more beneficial to start investing at 25 vs 35 years? Let's find out the benefits of early investing and why you should start today! Ah, the investing world. It's a world where market crashes call out your name and compound interest whispers sweet nothings, a place of late-night fears and possible fortunes. But there's no one-size-fits-all approach to navigating this world.  In general, investment is about more than just making money; it's also about safeguarding your future, accomplishing your objectives, and building financial security. Your quality of life and peace of mind may be greatly enhanced by it, even though there is some danger and continuing education is needed. Investing is essential for many reasons, impacting your financial future and overall well-being. There’s no age bar for investing at what age you should start investing, but the earlier you start, the better return you will get. Let’s understand investing with two different ages just to get a clear idea.  Your decisions at 25 will (and should) look vastly different from those at 35. So, let's grab a metaphorical cup of coffee and dive into the exciting differences between investing at 25 and 35.  Risk Tolerance:   At 25, You have less of a financial cushion, but you're flexible and young. So you have more time on hand, and hence, you have a bigger risk appetite. It's affordable for you to try new things, make errors, and grow from them skillfully.  But by the time you're 35, obligations start to pile up like driftwood down the riverside. The presence of children, mortgages, or elderly parents influences your risk tolerance. You're creating a nest egg for others who rely on you. This necessitates taking a more cautious approach and putting your capital protection first while aiming for respectable returns.  Investment Goals:  Your aspirations at 25 are as diverse as a kaleidoscope. Perhaps your savings are going toward that new gadget, a dream vacation, or a down payment on your first house. It is advisable to be flexible here to modify your investment plan as your goals change.  The goalposts change at 35. Your finances should take that into account as retirement becomes a tangible goal. You must begin planning and assembling a portfolio that will last you many years after your retirement.  Time Horizon:  Consider your investment horizon as a water body. When you're 25, retiring seems like an infinite stretch of ocean before you. You can now afford to take on greater risk while keeping a part of your portfolio for long-term investments. Time is on your side, and that's most precious, isn’t it?  The water starts to flow more quickly at 35. Retirement is drawing near, and still, you have a long way to go; the situation now calls for a more sensible strategy. You need resources and knowledge that support growth in addition to stability, a stable boat that can handle both calm seas and rough rapids.  Power of compounding:  Here, let us understand the power of compounding and the benefits of early investing with a comparison of two different investors with different age groups.  Age 25 years 35 years Standard Target Age 55 years 55 years Monthly SIP Amount ₹10,000 ₹10,000 SIP period 30 years 20 years Expected Return Rate 12% 12% Invested Amount 36,00,000 24,00,000 Wealth Gained 3,16,99,000 75,91,000  Total wealth 3,52,99,000 (Approx) 99,91,000 (Approx)  This comparison shows how important it is to start investing early as the difference in the investment period is just ten years, and the difference in total wealth due to that is more than 2,50,00,000.  Over a more extended period, the corpus upon retirement increases significantly, even with a smaller monthly SIP. The analogy also highlights how crucial it is to modify your investing approach following changes in your age and level of risk tolerance.   Conclusion Overall, investment is about more than just making money; it's also about safeguarding your future, accomplishing your objectives, and building financial security. Your quality of life and peace of mind may be significantly enhanced by it, even though there is some danger, like future unpredictability.  Remember that investing is a process rather than a destination. Begin modestly - make consistent investments, and, if necessary, seek professional advice. You can create a better and more secure tomorrow by managing your money now. 

Know all about HDFC Hybrid Equity Fund and HDFC AMC in this article. HDFC Asset Management Company Ltd. (HDFC AMC) is one of India's largest mutual fund companies. It is among one of the most profitable asset management companies (AMC) in the country. The company manages assets of over Rs. 5.24 Lakh crores (excluding domestic fund of funds) as of 30th September 2023.  Let us talk about the consumer product – HDFC Hybrid Equity Fund.  About HDFC Hybrid Equity Fund Investment Objective   The investment objective of the scheme is to generate capital appreciation/income from a portfolio, predominantly of equity & equity-related instruments. The scheme will also invest in debt and money market instruments.  Investment Strategy  Equity –   The fund assets are predominantly invested in equity and equity-related instruments (65%-80%) and the balance in debt instruments. Equity strategy will aim to build a portfolio of companies across market capitalization.  While selecting stocks, the fund follows a bottom-up stock-picking strategy, focusing on reasonable quality businesses, and prefers companies available at acceptable valuations.  The scheme aims always to maintain a reasonably diversified portfolio.  Debt –  Credit quality, liquidity, interest rates, and their outlook will guide investment in debt securities. Here, duration management is based on the fund manager’s view on the interest rate outlook.  Portfolio Composition  The fund holds 67.04% equity, 31.06% debt, 1.01% real estate, and 0.89% in Cash and cash equivalents. The significant sectoral exposure is to Financials, which account for 24.84% of the equity portfolio. The top five sectors hold more than 50% of the equity portfolio.     Note: Data as of 30th November. 2023.                                                                 Source: Value Research                                                                                    Top 5 Holdings for HDFC Hybrid Equity Fund  Name Sectors Weightage % HDFC Bank Financial 7.31 ICICI Bank Financial 6.44 ITC  Consumer Staples 4.69 Larsen & Turbo Construction  4.60 Reliance Energy 4.12  Note: Data as of 30th November. 2023.  Source: Value Research  Past Performance of Regular Plan as of 30th November 2023.  Fund name 1Y 3Y 5Y 10 Y Since Inception HDFC Hybrid Equity Fund (%) 10.69 18.15 14.14 16.15 15.12 Benchmark Returns (%) 7.94 12.75 12.54 12.21 11.60 Additional Benchmark Returns (%) 8.47 17.12 14.45 13.91 13.19  Benchmark Composition – Nifty 50 Hybrid Composite Debt 65:35 Index  Source: Value Research  Fund Managers for HDFC Hybrid Equity Fund  The following fund managers manage the HDFC Hybrid Equity Fund.  Mr Chirag Setalvad (Since 2nd April 2007) has been managing Equity Assets for this fund.  Mr Anupam Joshi (Since 6th October 2022) has been managing Debt Assets for this fund.  Mr Dhruv Muchhal  (Since 22nd June 2023) is an Equity Analyst and Fund Manager for Overseas Investments.  Who Should Invest in HDFC Hybrid Equity Fund?  Investors looking to generate long-term capital appreciation/income by taking exposure to both debt and equity can consider this fund.  Why Invest in this Fund?  It helps to achieve twin objectives through one fund:  Growth of Capital by investing in Equities  Stability of Capital by investing in debt  Equities have the potential to create long-term wealth and beat inflation over the long term.  The debt component makes the fund comparatively less volatile than Equity funds.  Defined asset allocation between Equity and Debt  Benefits of equity taxation   Conclusion  The HDFC Hybrid Equity Fund is an open-ended hybrid scheme that has been in existence for nearly two decades. The fund has consistently performed throughout its existence. Also, it has delivered better risk-adjusted returns depicted by lower standard deviation and higher Sharpe ratio than the category. Hence, investors who wish to allocate their funds for capital appreciation with a moderate level of risk can consider this fund.  Disclaimer: This is not recommendation advice. All information in this blog is for educational purposes only. 

About ICICI Prudential Mutual Fund (AMC) and its flagship product, ICICI Prudential Equity & Debt Fund! ICICI Prudential Mutual Fund is the second-largest asset management company in India. With over Rs 5.8 Lakh crores of AUM, the AMC is among the most trusted names in the mutual fund space. The AMC offers products across asset classes.   Let us discuss the flagship product – ICICI Prudential Equity & Debt Fund.  About ICICI Prudential Equity & Debt Fund  Investment Objective The scheme aims to generate long-term capital appreciation and current income by investing in a portfolio that invests in equities and related securities and fixed-income and money market securities.  Investment Strategy – The scheme's equity exposure would range between 65% and 80%, and debt exposure would be maintained between 20%-35%  Equity:  The scheme shall use a blend of top-down and bottom-up approaches for stock selection. The scheme shall remain sector-agnostic in its investment approach. The scheme may also take derivatives exposure for portfolio hedging or any other permitted strategy to minimize downside risk. The net equity exposure includes foreign equity and units of equity mutual fund.   Debt:   The scheme intends to tactically allocate to longer duration fixed income securities with credit rating AA and above, which offer reasonable accrual. The scheme also invests in fixed-income securities issued by the government, quasi-government agencies, and corporate and multilateral agencies.  Portfolio Composition  The equity exposure is widely in the large-cap, which comprises 86.48%, and midcap and small-caps comprise 12.28% and 1.24%, respectively.       Note: Data as of 30th November 2023   Source: Value Research  Top 5 Holdings for ICICI Prudential Equity & Debt Fund Name Sector Weightage % NTPC Ltd. Energy  7.43 ICICI Bank Financial 7.01 Bharti Airtel Ltd. Communication 6.00 Oil & Natural Gas Corporation Ltd. Energy 4.18 Maruti Suzuki India Automobile 3.92  Note: Data as of 30th November 2023.  Source: Value Research  Performance of the Fund  ICICI Prudential Equity and Debt Fund has performed consistently throughout its existence. It has outperformed both the benchmark and the category in all time horizons.  Particular 1 Year 3 Year 5 Year 7 Year 10 Year ICICI Prudential Equity & Debt Fund 24.98 26.12 19.34 17.38 18.26 Hybrid: Aggressive Hybrid 19.26 16.99 14.51 14.17 14.80  Note: Performance of direct plan; Data as on 20th December 2023.  Source: icicipruamc.com  Fund Managers for ICICI Prudential Equity & Debt Fund Equity:  Mr. Sankaran Naren has 34 years of experience in this field. He has been managing this fund since Dec.2015 and other 12 funds in total.  Mr Mittul Kalawadia has 18 years of experience and has been managing this fund since Dec. 2020, with 4 other funds in total.  Debt:  Mr. Manish Banthia has 20 years of experience and has been managing this fund since Sep.2013, with 23 other funds in total.  Mr. Nikhil Kabra has 10 years of experience and has been managing this fund since Dec.2020, with 6 other funds in total.  Ms. Sri Sharma has 7 years of experience and has been managing this fund since April 2021 and the other 7 funds in total.  Who Should Invest?  The fund is suitable for investors  who seek diversification across debt and equity to benefit from accrual income as well as long-term wealth-creation solutions.  who wish to participate in the growth story of the equity markets with a portion of their portfolio invested in fixed-income securities could consider this fund.  Ideal Time Horizon  One should look at investing for a minimum of 3 years or more.   Investment through a Systematic Investment Plan (SIP) may help in tackling the volatility of the broader equity market.  Conclusion  ICICI Prudential Equity & Debt Fund is an aggressive hybrid scheme investing in equity and equity-related instruments with a small allocation towards debt. This scheme has outperformed the benchmark and the category average over all the periods of 1/3/5/7/10 years. Also, the scheme has delivered risk-adjusted returns better than the category average with slightly higher volatility. It has generated an alpha of 12.60% vis-à-vis the category average of 3.96% over the three years. Therefore, investors who wish to have exposure to both equity and debt by going aggressively can consider this scheme.  Disclaimer: This is not recommendation advice. All information in this blog is for educational purposes only. 

New Zealand is one of the ideal educational destinations for students pursuing their MBA degree as it offers a wide range of academic choices, MBA specializations, high-quality education, affordable fee structure, and sustainable job prospects.  An MBA in New Zealand is a wise career move as the globally recognized degree can get students the desired job in any part of the world. Moreover, graduating with an MBA from New Zealand may get your child a considerably higher income than their peers in other countries. Getting an education loan for MBA in New Zealand is easier than you think! Apply wth EduFund today Overview of MBA course structure and fees in New Zealand New Zealand is home to some of the finest educational institutions in the world for MBA courses. A full-time MBA requires 180 credits over 12 - 16 months or 60 credits every semester. Students can choose an MBA degree with or without specialization.  Average tuition fees for an MBA in New Zealand are between $26,000 - $37,000 with the highest course fee of $51,396 levied by the University of Canterbury and the lowest tuition fee of $36,800 levied by Manukau Institute of Technology.  The fee structure for an Indian student is between INR 11.4 lakhs to INR 31.3 Lakhs per year, depending upon the university one chooses.  The living expenses of the students depend upon their lifestyle. How to save for an MBA in New Zealand? Although studying for an MBA in New Zealand is affordable compared to the study cost in countries like the UK and the USA, parents do need to save and invest money so that their child can get the desired degree without the burden of an education loan.  Take the following steps to save for an MBA degree - 1. Research Remember the first step of any plan is the most difficult one as it requires thorough research. Gathering information is necessary so that you can create a foolproof plan that will prove fruitful in the long run.  you can also use the College Cost Calculator on the EduFund App to find out how much you will have to pay for your child’s MBA. This will help cut your research time.  Reasons to Study in New Zealand Read More 2. Create a financial plan Create a financial plan that will give direction to your ideas and encourage you to take the necessary steps toward your goal.  How to send your child to study in New Zealand debt-free? Read More 3. Take the help of professionals If you are a new investor, it might become a tad difficult or confusing to make the right decisions. Take the help of professionals because they have the necessary tools and resources to compile the required data and make the correct choices.  The saving experts on the Edufund App are adept at creating a customized financial plan and selecting the best investment opportunities through mutual funds, US ETFs, US stocks, and Digital gold. These experts, along with the Edufund investment calculators, will act as a guiding force and be with you every step of the way.   https://www.youtube.com/watch?v=uYlrsx9_yog&t=4s Top Universities in New Zealand Read More 4. Create a diversified portfolio Do not be dependent upon only one type of scheme. Instead, create a diversified portfolio that includes managed funds, savings accounts, term deposits, mutual funds, etc. The high-accuracy fund tracker on the Edufund App can monitor over one lakh data points and 400 financial situations to make solid suggestions about the most profitable investment schemes. a) Managed funds According to available data, one of the most common reasons for setting up a managed fund is to save money for a child’s higher education. It is feasible to put some money aside in a growth-oriented managed fund as early as possible. By the time the child is of age to study for an MBA in New Zealand, the parents will have saved a good chunk of the required money.  b) Savings accounts and term deposits If you cannot deal with the volatility of the growth fund or have started late and have a considerably shorter period for saving and investing, do not worry. The safest and the best possible mode of saving is by investing in a savings account and term deposits. It is better to add to the term deposits whenever they come up for renewal so that after a few years you can have a good amount of the money for your child’s MBA degree in New Zealand. c) Mutual funds The best investment scheme in the current market is investing through mutual funds. Take the help of SIP for regular investments as the estimated returns are between 12% to 15% in large-cap equity funds and 14% to 17% in mid-cap equities. The SIP calculator on the Edufund App can prove useful in determining the available returns from the chosen funds.  Conclusion International students, especially Indian students consider an MBA in New Zealand a good move as it gives them global exposure to cash in excellent career opportunities in any business sector.  Parents who have the necessary funds through saving and investing can easily send their child abroad and fulfill their dreams of better education, as compared to the parents who have to look at other means to fund their child's education. TALK TO AN EXPECT

There is an ongoing debate on the topic of debt mutual funds vs FD to determine which is the better savings option. The normal mentality of a common person has been to invest in FDs as it is convenient and safe with fixed returns, but with time the thought process has shifted in favor of debt mutual funds as they offer good returns compared to FDs.  Let us discuss the topic in detail depending on different parameters to understand the best possible option from the investor’s viewpoint. https://www.youtube.com/watch?v=v4gmR-U_vHA Differences between debt mutual funds vs FD 1. Capital protection In terms of capital protection FDs have an advantage over debt mutual funds. According to the RBI directive, a bank depositor has a protection cover of a maximum of 5 lakh for both principal and interest in case the bank fails. If the depositor has FDs in different banks, then the protection cover will apply to all the banks separately.  Debt funds do not include capital protection as the investors are faced with credit risk and interest rate risk.  2. Safest Instruments FDs are the safest instruments for investible surplus as they are protected by RBI guidelines. In contrast, debt mutual funds are subjected to market risk as the underlying securities are exposed to market fluctuations and capital erosion.  3. Interest rates and returns The interest rates of FDs remain fixed until their maturity date, irrespective of any changes in the rate over that period. The expected return of the investment thus remains the same as before. Suppose an investor has opened an FD for two years at 6% per annum, then the rate will remain fixed throughout the whole tenure even if the bank has increased or decreased the rate in the interim period, and they will be paid the same amount of money which was calculated at the start of the investment.  In the case of debt mutual funds, the returns depend on interest income and capital gains from the underlying securities.  4. Rate of returns  In the case of debt mutual funds vs FDs, the estimated rate of returns for debt mutual funds is generally 7% - 9% and for FDs is an estimated 5% to 8%. Although FDs have a fixed return and debt, mutual funds do not come with assured returns.  5. Short-term holding period The average rate of return of FDs is considered better than that of debt funds in the short haul as the former manages to outperform the latter.  6. Long-term holding period When the holding period is long-term, then it is better to invest in debt mutual funds than FDs. Even if the interest rates do not fall within that period, the corporate bond funds would easily beat the FDs in the same period.  7. Inflation-adjusted returns In debt mutual funds vs FDs, the FDs usually have low inflation-adjusted returns, whereas the debt mutual funds show potential for high inflation-adjusted returns.  8. Dividend option There is no dividend option on FDs, whereas the answer is yes for debt mutual funds.  9. Taxation The taxation on debt mutual funds is lower than the fixed deposits. Despite the TDS deductions by the bank, the interest income from FDs is included in annual income and taxed according to a person’s tax slab.  In debt funds, the returns on investment within 3 years are treated as short-term capital gains. It is included in annual income and taxed according to the individual’s tax slab. The returns on investments after three years are treated as long-term capital gains and are taxed at 20% with indexation benefits.  10. Premature withdrawal In debt mutual funds, premature withdrawal is allowed with exit load/no load, whereas in FDs, it is allowed with a penalty.  Banks generally levy a penalty of 1% on premature withdrawal of FDs, and the amount is deducted from the effective rate of interest. In debt funds, except for the fixed maturity plan, which restricts redemption, all the other funds are allowed withdrawal by paying a minimum amount of exit load.  11. Cost of investment The banks do not charge a fee for opening or maintaining an FD account. On the other hand, mutual fund houses charge multiple fees like commissions, management fees, legal fees, etc., for operating the debt funds.  https://www.youtube.com/watch?v=7hXeSyWLiZ4 Conclusion If you want to know who is the winner in debt mutual funds vs FDs, then both have advantages and disadvantages. FDs have the upper hand in terms of capital protection, safe investments, income certainty, and investment cost compared to debt mutual funds. In comparison, debt mutual funds are better options in terms of premature withdrawal, dividend options, long-term investments, taxation, and rate of return. Consult an expert advisor to get the right plan TALK TO AN EXPERT

HDFC Asset Management Company Ltd. (HDFC AMC) is one of India's largest mutual fund companies. It is among one of the most profitable asset management companies (AMC) in the country. The company manages assets of over Rs. 4.8 Lakh crores (excluding domestic fund of funds) as of 30th June 2023. https://www.youtube.com/watch?v=qy_EsYNTJU4 HDFC Multi-Asset Fund Investment Objective The objective of the Scheme is to generate long-term capital appreciation/income by investing in a diversified portfolio of equity & equity-related instruments, debt & money market instruments, and gold-related instruments. Investment Strategy Equity - The Fund follows a model whereby equity allocation is decided by factors such as TTM P/E, 1 Year Forward P/E, TTM PB, Earnings Yield/ G-Sec Yield, etc., with monthly rebalancing. Arbitrage - The Fund seeks to generate income through arbitrage opportunities. The arbitrage allocation ensures the fund is equity-oriented. Arbitrage allocation reduces the impact of equity drawdown. Debt - The Fund seeks to generate income by investing in debt securities based on credit quality, liquidity, interest rate, and outlook. Portfolio Composition The fund holds 54.07% equity, 13.29% debt, 13% commodities, 3.31% real estate, and 16.8% in Cash and cash equivalents. The significant sectoral exposure is to Financials, which account for over 16.68% of the equity portfolio. The top five sectors hold more than 34% of the equity portfolio. Date: 31st July 2023 Source: Value Research HDFC SIP Calculator Top 5 Holdings for HDFC Multi-Asset Fund NameWeightage %HDFC Gold ETF12.76%HDFC Bank6.26%ICICI Bank4.29%Axis Bank4.2%Bharti Airtel2.26%Date: 31st July 2023 Source: Value Research Invest in HDFC Mutual Fund Fund Managers for HDFC Multi-Asset Fund Currently, the HDFC Multi-Asset Fund is managed by the following fund managers. Mr Bhagyesh Kagalkar (Since 2nd February 2022): Collectively over 28 years of experience in Equity Research, investments, and Finance. Mr Srinivasan Ramamurthy (Since 13th January 2022): Collectively over 15 years of experience in equity research and fund management. Mr Anil Bamboli (Since 17th August 2005): Collectively over 28 years of experience in Equity Research, investments, and Finance Mr Arun Agarwal (Since 24 August 2020): Collectively over 23 years of experience in equity, debt, and derivative dealing, fund management, internal audit, and treasury operations. Mr Nirman Morakhia (Since 15th February 2023): Fund Manager and Dealer – Equities. Mr Priya Ranjan (Since 15th February 2023): Collectively, over 15 years of experience. Senior Equity Analyst and Fund Manager for Overseas Investments. Who Should Invest in HDFC Multi-Asset Fund? Investors looking to diversify their portfolio by gaining exposure to an actively managed portfolio across a variety of asset classes (like equity, gold, debt, etc.) under a single unified scheme may consider multi-asset allocation funds as a good option. However, investors should remain invested long-term to witness wealth creation. Past Performance of Regular Plan as of 31st July 2023. Full Name1Y3Y5Y10YSince InceptionHDFC Multi-Asset Fund (%)1416.0911.2911.179.89Benchmark Returns (%)14.1116.3812.4412.66NAAdditional Benchmark Returns (%)16.1822.7113.0214.5113.83 Conclusion The HDFC Multi-Asset Fund has been in existence for nearly two decades. It provides an opportunity to invest across various asset classes with the benefit of true diversification. So, investors looking to diversify their investments across various asset classes can consider this fund. DisclaimerThis is not recommendation advice. All information in this blog is for educational purposes only.