HSBC Equity Savings Fund

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Value Research Rating

4 star

Analyst’s Choice

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Riskometer

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Moderately High

₹30.1736 0.62%

As on 17-May-2024

Returns

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Calculate SIP Returns of HSBC Equity Savings Fund

Upfront Investment

Monthly SIP Amount

Investment Duration

years

Risk info

This fund has Moderately High risk.

low
Low to Moderate
Moderate
Moderately High
High
Very High

As per SEBI's Riskometer.

Portfolio of HSBC Equity Savings Fund

Asset Allocation

Split between different types of investments

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Market Cap Weightage

Split between categories of Equity investments

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Peer Comparison

Other details of HSBC Equity Savings Fund

Assets info

₹275 Cr

Exit Load (Days) info

0.50 (30)

Min. Investment (₹)

5,000

Min. Withdrawal (₹)

500

Min. SIP Investment (₹)

500

Min. No of Cheques

12

Investment Strategy

The scheme seeks to generate regular income by predominantly investing in arbitrage opportunities in the cash and derivatives segments of the equity markets and debt and money market instruments and to generate long-term capital appreciation through unhedged exposure to equity and equity related instruments.

Suitability

"Equity-savings funds invest about a third of your money each in equity shares, bonds and arbitrage opportunities, though these proportions may vary a bit depending upon the market outlook of the fund manager. These funds are suitable for those who cannot withstand too much volatility in the value of their investments and are content with moderate returns which are slightly higher than fixed income options.

They may also suit those looking for a regular income from their accumulation. The debt and arbitrage portions of these funds can provide a moderate, but steady stream of income. The equity allocation, though adds a bit of volatility, but helps boost returns to keep up with the rate of inflation over the long term.

Invest only if your investment horizon is three years or more. To derive dependable income with some degree of inflation protection, invest your accumulated savings in these funds gradually over at least a few months, and then maintain a withdrawal rate in the range of 4-6 per cent of the value of your investment every year."

Capital Gains Taxation

  • If the mutual fund units are sold after 1 year from the date of investment, gains upto Rs 1 lakh in a financial year are exempt from tax. Gains over Rs 1 lakh are taxed at the rate of 10%.
  • If the mutual fund units are sold within 1 year from the date of investment, entire amount of gain is taxed at the rate of 15%.
  • No tax is to be paid as long as you continue to hold the units.

Dividend Taxation

  • Dividends are added to the income of the investors and taxed according to their respective tax slabs. Further, if an investor's dividend income exceeds Rs. 5,000 in a financial year, the fund house also deducts a TDS of 10% before distributing the dividend.

FAQ for HSBC Equity Savings Fund

HSBC Equity Savings Fund invests about a third of your money each in equity shares, bonds and arbitrage opportunities, though these proportions may vary a bit.

Mutual funds can be bought directly from the website of the fund house. For instance, HSBC Equity Savings Fund fund can be purchased from the website of HSBC Mutual Fund. You can also buy mutual funds through platforms like MF Central, MF Utility, among others. However, if you are not comfortable buying mutual funds online, you can seek help of a mutual fund distributor. Most banks also act as mutual fund distributors. So you can connect with your bank for assistance.

The NAV of HSBC Equity Savings Fund is ₹30.1736 as of 21-May-2024.

The AUM of HSBC Equity Savings Fund Fund is ₹275 Cr as of 30-Apr-2024

The riskometer level of HSBC Equity Savings Fund is Moderately High. See More

Company Percentage of Portfolio

GOI Sec 5.22 15/06/2025

5.45

REC Ltd SR-128 Bonds 8.57 21/12/2024

4.28

GOI Sec 6.18 04/11/2024

3.73

GOI Sec 7.06 10/04/2028

3.27

Canara Bank CD 22/01/2025

2.76
See More

As of 30-Apr-2024, HSBC Equity Savings Fund had invested 69.96% in Equity, 26.65% in Debt and 3.39% in Cash & Cash Eq. See More

HSBC Equity Savings Fund is 12 years 7 months old. It has delivered 9.17% returns since inception. See More

1Y
3Y
5Y
7Y
10Y
Since Inception
22.62%
12.98%
11.37%
9.20%
9.52%
9.17%

No, There is no lock in period in HSBC Equity Savings Fund.

The expense ratio of HSBC Equity Savings Fund is 1.51.

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