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Asset Allocation based Portfolios

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Growth
Growth

This asset mix should be appropriate for investors who seek to maximize the long-term potential for growth of principal and who can tolerate wide fluctuations in market values, especially over the short term.

Growth (Equity - 100)
Historical Risk/Return (2001–2016)
Annualised Return 13.56%
Best year (2003) 98.14%
Worst year (2008) -57.13%
Years with a loss 4 of 16
Growth (Equity - 90 | Debt - 10)
Historical Risk/Return (2001–2016)
Average annual return 13.15%
Best year (2003) 85.79%
Worst year (2008) -55.27%
Years with a loss 4 of 16
Growth (Equity - 80 | Debt - 20)
Historical Risk/Return (2001–2016)
Average annual return 12.72%
Best year (2009) 76.53%
Worst year (2008) -53.10%
Years with a loss 3 of 16
Growth (Equity - 70 | Debt - 30)
Historical Risk/Return (2001–2016)
Average annual return 12.25%
Best year (2009) 69.83%
Worst year (2008) -50.51%
Years with a loss 3 of 16

Your chosen portfolio can be further customised by changing the default mutual funds or weight allocated to each fund, to help you manage risk and return in a way that makes you most comfortable.

Balanced
Balanced

This asset mix should be appropriate for investors who seek moderate growth of principal and who can withstand moderate fluctuations in market values.

Balanced (Equity - 60 | Debt - 40)
Historical Risk/Return (2001–2016)
Annualised Return 11.75%
Best year (2009) 62.60%
Worst year (2008) -47.38%
Years with a loss 3 of 16
Balanced (Equity - 50 | Debt - 50)
Historical Risk/Return (2001–2016)
Average annual return 11.21%
Best year (2009) 54.77%
Worst year (2008) -43.50%
Years with a loss 3 of 16
Balanced (Equity - 40 | Debt - 60)
Historical Risk/Return (2001–2016)
Average annual return 10.62%
Best year (2009) 46.28
Worst year (2008) -38.60%
Years with a loss 3 of 16

Your chosen portfolio can be further customised by changing the default mutual funds or weight allocated to each fund, to help you manage risk and return in a way that makes you most comfortable.

Conservative
Conservative

This asset mix should be appropriate for investors who want to minimize the effect of market fluctuations by taking an income-oriented approach with some potential for capital appreciation.

Conservative (Equity - 30 | Debt - 70)
Historical Risk/Return (2001–2016)
Annualised Return 9.97%
Best year (2009) 37.02%
Worst year (2008) -32.19%
Years with a loss 2 of 16
Conservative (Equity - 20 | Debt - 80)
Historical Risk/Return (2001–2016)
Average annual return 9.25%
Best year (2007) 28.50%
Worst year (2008) -23.44%
Years with a loss 2 of 16
Conservative (Equity - 10 | Debt - 90)
Historical Risk/Return (2001–2016)
Average annual return 8.45%
Best year (2014) 19.36%
Worst year (2008) -10.80%
Years with a loss 2 of 16
Conservative (Debt - 100)
Historical Risk/Return (2001–2016)
Average annual return 7.54%
Best year (2014) 14.31%
Worst year (2004) -0.33%
Years with a loss 1 of 16

Your chosen portfolio can be further customised by changing the default mutual funds or weight allocated to each fund, to help you manage risk and return in a way that makes you most comfortable.

Note: For Indian equity market returns, we have used the Nifty 500 Index.
For Indian debt market, return has been computed from a basket of government securities and AAA & AA rated corporate bonds similar to the Crisil Composite Bond Fund Index and CCIL Bond Index.