Tips: Choose a Mutual Fund Balance Advantage Fund if you do not want to take risks and get an average return, you need to invest for at least 5 years
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Mutual Fund Balance Advantage Scheme balances investment in debt and equity
This fund also gives good returns in 5 and 7 years. Returns more than 10% in 10 years
If you want to have a low risk on your investment and get an average measurable return, you can opt for a Mutual Fund Balanced Advantage Fund (Bank). However, as its name suggests, this category of mutual fund balances your investment. That is, invest your money in equities and debt.
Balance Advantage Fund is required in the portfolio
Analysts advise that if you are a mutual fund investor, you should definitely have a Balance Advantage Fund in your portfolio. This type of fund is an open ended fund, which invests 30% to 80% in equities. This is based on the valuation of the market. The benchmark Nifty-50 TRI has returned 7.7% over the last 10 years (October 15, 2020). However, there are some funds in this category that have given higher returns than this.
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Large caps are over-invested
This is a custom portfolio consisting of large bluechip companies and AAA rated debt securities. This means that your investment is going in completely safe and good companies. This type of fund follows the in-house price-to-book model. Such funds dynamically manage investments between equity and debt.
This means that when the market valuation is high, your investment will go into debt. When the market valuation is low, your investment will go to equity.
The fund invests primarily in equities
If we talk about the portfolio of such funds, they mainly invest in equities. Using this derivative reduces portfolio downstream risk. The allocation of such funds is 87.6% in large cap, 10.9% in midcap and 1.5% in small cap. As of September 30, its full exposure to equities has been 62%. The scheme is overweight in Pharma, Power, Telecom and Consumer Durab as it is at a very attractive valuation.
Should be invested for at least 5 years
Analysts say such a fund should be invested for at least 5 years. Balance Advantage Fund invests in debt processing in fixed income, government securities, government companies and private companies. This increases the potential capital. This fund also gives good returns in 5 and 7 years. The fund has returned 7.7% in five years and 11.3% in seven years.
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