What is a Dynamic Asset Allocation Fund?
Also known as a Unifi Dynamic Asset Allocation Fund, this hybrid fund category has the flexibility to shift its equity allocation from zero to 100 per cent based on market conditions. Instead of staying fixed, the fund manager uses valuation models to decide when to be aggressive in stocks and when to play it safe in debt. This proactive asset allocation aims to reduce downside risk while still aiming for growth that often beats traditional fixed deposits.
Fund Managers with Strong Experience
The fund is managed by a strong team: Saravanan V N (CIO) brings over 20 years of experience across fund management and capital markets, complemented by Aejas Lakhani (Equity Fund Manager) with 12+ years of experience, and Karthik Srinivas (Debt Fund Manager) who is a Chartered Accountant with 10+ years of experience.
Key Features of the Fund
The scheme falls under the Hybrid: Dynamic Asset Allocation category and is benchmarked against the CRISIL Hybrid 50+50 Moderate Index. Here are the key details:
| Feature | Details |
|---|---|
| Investment Objective | Income generation and capital appreciation |
| Risk Level | Moderately High |
| Minimum Lumpsum | ₹5,000 |
| Minimum SIP | ₹500 |
| Exit Load | 1.5% if redeemed within 12 months (nil thereafter) |
| AUM | Approx. ₹1,150 crore |
| Expense Ratio (Direct) | 0.93% |
Investment Strategy and Portfolio
The fund can invest 0%–100% in equity and equity-related instruments and 0%–100% in debt and money market instruments. It primarily invests in G-sec & T-bills (the safest debt instruments) while managing portfolio duration based on the economic cycle. This ensures both safety of capital and tactical upside.
Benefits of Investing
This fund offers several key advantages:
- Dynamically Managed Portfolio: The professionally managed portfolio serves as a single, balanced solution, saving you the effort of timing the market.
- Indexation Benefits for Taxation: This fund is eligible for indexation benefits since its equity allocation lies within the 35% to 65% range. Indexation reduces your tax outgo by adjusting inflation with the asset’s acquisition cost, potentially increasing your post-tax returns.
- Low Minimum Investment: You can start with a minimum lumpsum of ₹5,000 or a SIP of just ₹500, making it accessible for first-time investors.
How to Invest
You can invest in this scheme directly through Sanchay Karo. Just click the link below to start your journey:
➡️ Invest With Sanchay Karo
If you still have doubts, consult your financial advisor to see if this fits your risk profile.
Retire Rich with 5000 Monthly SIP:₹5,000/month for 30 years = ₹1.76 Crore
Retirement is the one financial goal that every single person shares. Whether you are a salaried employee, a business owner, or a freelancer, there will come a day when you stop working. The question is: will you retire with peace of mind or with financial anxiety?
For most Indians, retirement planning takes a backseat. Between paying EMIs, children’s education, and daily expenses, saving for a future that is 30 years away seems less urgent. But here’s the hard truth: the earlier you start, the smaller the monthly amount needed to build a massive corpus.
Let’s look at a powerful example. If you start a monthly SIP of just ₹5,000 at age 30 and continue until age 60 (30 years), expecting a 12% annual return, here is what happens.
| Time Period | Total Investment (₹) | Estimated Corpus (₹) |
|---|---|---|
| 30 Years | ₹18,00,000 | ₹1,76,50,000 |
Yes, you read that correctly. ₹5,000 per month becomes ₹1.76 Crore. Read More…
Disclaimer: Mutual fund investments are subject to market risks. Read all scheme-related documents carefully. Past performance is not an indicator of future returns. This is for informational purposes only and does not constitute investment advice.
