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Asset Allocation based Portfolios

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Mutual Fund 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 (2001–2018)
Annualised Return 13.68%
Best year (2003) 98.14%
Worst year (2008) -57.13%
Years with a loss 5 of 18
Growth (Equity - 90 | Debt - 10)
Historical Risk/Return (2001–2018)
Average annual return 13.27%
Best year (2003) 85.79%
Worst year (2008) -55.27%
Years with a loss 5 of 18
Growth (Equity - 80 | Debt - 20)
Historical Risk/Return (2001–2018)
Average annual return 12.83%
Best year (2009) 76.53%
Worst year (2008) -53.10%
Years with a loss 4 of 18
Growth (Equity - 70 | Debt - 30)
Historical Risk/Return (2001–2018)
Average annual return 12.36%
Best year (2009) 69.83%
Worst year (2008) -50.51%
Years with a loss 4 of 18
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 (2001–2018)
Annualised Return 11.85%
Best year (2009) 62.60%
Worst year (2008) -47.38%
Years with a loss 4 of 18
Balanced (Equity - 50 | Debt - 50)
Historical Risk/Return (2001–2018)
Average annual return 11.30%
Best year (2009) 54.77%
Worst year (2008) -43.50%
Years with a loss 4 of 18
Balanced (Equity - 40 | Debt - 60)
Historical Risk/Return (2001–2018)
Average annual return 10.68%
Best year (2009) 46.28%
Worst year (2008) -38.60%
Years with a loss 4 of 18
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 (2001–2018)
Annualised Return 9.99%
Best year (2009) 37.02%
Worst year (2008) -32.19%
Years with a loss 2 of 18
Conservative (Equity - 20 | Debt - 80)
Historical Risk/Return (2001–2018)
Average annual return 9.22%
Best year (2007) 28.50%
Worst year (2008) -23.44%
Years with a loss 2 of 18
Conservative (Equity - 10 | Debt - 90)
Historical Risk/Return (2001–2018)
Average annual return 8.33%
Best year (2014) 19.36%
Worst year (2008) -10.80%
Years with a loss 2 of 18
Conservative (Debt - 100)
Historical Risk/Return (2001–2018)
Average annual return 7.29%
Best year (2014) 14.31%
Worst year (2004) -0.33%
Years with a loss 1 of 18
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.