LIC MF Multi Asset Allocation Fund – Introduction
Growth of
Equity
Income
Generation from
Debt
Diversification of Commodities
Multi Asset
Allocation
Fund
Winners keep changing among Asset classes
Investment Objective
- The investment objective of the Scheme is to generate long term capital appreciation by investing in diversified portfolio of equity & equity related instruments, debt & money market instruments and units of Gold Exchange Traded Funds (ETFs).
- There is no assurance that the investment objective of the Scheme will be achieved.
Investment Strategy
- The fund will maintain an allocation across key asset classes—Equity, Debt and Gold.
- The fund manager retains the discretion to adjust allocations based on prevailing market conditions, risk management requirements, and to optimize returns. The Fund Manager also retains the discretion to use hedging/arbitrage strategies to mitigate risk and manage exposure.
- The allocation between equity, debt, Gold ETFs will be managed as per the stated asset allocation pattern. The fund will employ a tactical asset allocation approach, which adjusts exposure to each asset class depending on the prevailing economic and market conditions in line with the asset allocation pattern.
- The equity portion will invest across market caps. The equity strategy will incorporate both top-down and bottom-up approaches to identify opportunities.
- The debt component will focus on high-quality fixed income instruments, balancing duration and credit risk to optimize returns in varying interest rate environments.
- The Scheme may also invest in the Silver ETFs and units of REITs and InvITs for in line with asset allocation pattern.
For detailed investment strategy please refer Scheme Information Document (SID) .
Why LIC MF Multi Asset Allocation Fund?
LIC MF Multi Asset Allocation Fund offers far more convenient way to invest across different asset classes.
In a dynamic global environment, asset allocation across multiple asset classes can help in reducing volatility.
The scheme will have Equity taxation which may reduce the tax liability.
Helps in generating risk adjusted returns.
Who Should Invest?
Investors looking for long term wealth creation.
Investors looking for diversification across asset classes.
Investors having an investment horizon of 3 years and above.
Investors looking for risk adjusted returns.
Special Facilities
Auto Switch Facility*
Acceptance of Transactions through Online platforms viz.,
- AMC Website – www.licmf.com
- MF Central
- MF Utilities
- Stock Exchanges (NSE/ BSE)
- Registrar and Transfer Agent platforms
*Available only during New Fund Offer Period.
For further details of above special products / facilities, kindly
refer SAI (Statement of Additional Information).
Asset Allocation
Under normal circumstances, the asset allocation of the Scheme would be as follows:
| Instruments | Indicative allocations (% of total assets) | |
|---|---|---|
| Minimum | Maximum | |
| Equity and Equity related instruments** | 65 | 80 |
| Debt and Money market instruments | 10 | 25 |
| Units of Gold ETFs | 10 | 25 |
| Units of Silver ETFs | 0 | 10 |
| Units issued by Real Estate Investment Trusts (REITs) & Infrastructure Investment Trusts (InvITs) | 0 | 10 |
*** The Scheme may invest in derivatives instruments (including fixed income derivatives) as permitted upto 50% of the net asset of the Scheme for the purpose of hedging, portfolio balancing and arbitrage, based on the opportunities available and subject to guidelines issued by SEBI from time to time. Please refer the Scheme Information Document for detailed asset allocation pattern.
Load Structure
Exit Load -
| Particulars | Exit Load | |
|---|---|---|
| For upto 12% of units held | Remaining 88% of units held | |
| If units redeemed/switched out within 3 months from allotment date | Nil | 1% of applicable NAV |
| If units redeemed/switched out after 3 months from allotment date | Nil | |
Minimum Amount Application
Lumpsum Application Amount (Other than fresh purchase through SIP) – Rs.5,000/- and in multiples of Re.1 thereafter.
SIP Amount -*
- Daily - Rs. 100/- and in multiples of Rs.1/- thereafter.
- Monthly - Rs. 200/- and in multiples of Rs.1/- thereafter.
- Quarterly - Rs. 1,000/- and in multiples of Rs.1/- thereafter.
*SIP Start date shall be after re-opening date of the scheme
First Tier Benchmark Index
65% Nifty 500 TRI + 25% Nifty Composite Debt Index + 10% Price of Domestic Gold.
Plans and Options
- Growth Option
- Income Distribution cum Capital Withdrawal (IDCW) Option*
- Reinvestment of Income Distribution cum Capital Withdrawal.
- Payout of Income Distribution cum Capital Withdrawal
Default Option - Growth Option (In case Growth Option or IDCW Option / sub option is not indicated)
*Amounts under IDCW option can be distributed out of investors capital (equalization reserve), which is part of sale price that represents realized gains. For detailed disclosure on default plans and options, kindly refer SAI (Statement of Additional Information).
Fund Managers
Mr. Nikhil Rungta
Fund Manager for Equity Component
Mr. Sumit Bhatnagar
Fund Manager for Equity & Commodity Component
Mr. Pratik Harish Shroff
Fund Manager for Debt Component
Product Labelling
Scheme Riskometer #
Benchmark Riskometer
(as applicable)#
This product is suitable for investors who are seeking*:
- Capital appreciation over a long period of time
- Investments in a diversified portfolio of equity & equity related instruments, Debt & Money Market Instruments and Units of Gold ETFs as per asset allocation pattern
- Risk - Very High
65% Nifty 500 TRI + 25% Nifty Composite Debt Index + 10% Priceof Domestic Gold
*Investors should consult their financial advisers if in doubt about whether the product is
suitable
for them.
#The above product labelling assigned during the New Fund Offer (NFO) is based on internal
assessment of the scheme characteristics or model portfolio and the same may vary post NFO when
the
actual investments
are made. The Riskometer of the Benchmark as on 31st December 2024.
