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2 star

Franklin India Life Stage FoF 40s - Direct Plan


1 Lakh

Investment Grown to
₹ 1.26 Lakh

₹ 10000

Monthly SIP Grown to
₹ 4.41 Lakh

Suitability:

"Conservative hybrid funds invest roughly a quarter of your money in equity shares and the rest in bonds. 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 returns from fixed income options.

They may also suit those looking for a regular income from their accumulation. The debt portion of these funds provides a moderate, but steady stream of income. The small 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."

Taxability of earnings:

The tax treatment of this fund may vary depending upon its asset allocation. It will be taxed in the following manner based on its average asset allocation in the last 12 months.

Capital gains

  • If the mutual fund units are sold after 3 years from the date of investment, gains are taxed at the rate of 20% after providing the benefit of inflation indexation.
  • If the mutual fund units are sold within 3 years from the date of investment, entire amount of gain is added to the investors' income and taxed according to the applicable slab rate.
  • No tax is to be paid as long as you continue to hold the units.

Dividends

  • 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.

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(₹)
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Trailing Returns (%)

YTD 1-Day 1-W 1-M 3-M 6-M 1-Y 3-Y 5-Y 7-Y 10-Y
Fund 28.00 0.32 -0.24 -0.71 2.45 9.75 30.29 8.15 8.20 8.20 --
VR MIP TRI 10.95 0.56 -0.30 -0.77 1.29 6.07 13.75 10.59 9.64 8.63 --
Hybrid: Conservative Hybrid 11.30 0.24 -0.12 0.11 1.99 6.09 13.38 9.56 8.21 8.58 --
Rank within category 1 4 28 35 10 4 1 25 17 17 --
Number of funds in category 32 35 35 35 35 35 32 29 29 27 0

As on 02-Dec-2021

Peer Comparison

Fund name Rating Launch Date 1-Year Return 3-Year Return 5-Year Return Expense Ratio Assets (Cr)
Franklin India Life Stage FoF 40s - Direct Plan  | Invest Online Now
2 star
Jan-13 30.29 8.15 8.20 0.72% 20
SBI Debt Hybrid Fund - Direct Plan  | Invest Online
4 star
Jan-13 17.09 12.87 9.19 0.58% 4,369
ICICI Prudential Regular Savings Fund - Direct Plan  | Invest Now
5 star
Jan-13 12.40 11.30 10.29 0.84% 3,384
Kotak Debt Hybrid Fund - Direct Plan  | Invest Online
5 star
Jan-13 17.44 14.51 10.78 0.48% 1,160
Canara Robeco Conservative Hybrid Fund - Direct Plan  | Invest Online
5 star
Jan-13 13.03 12.83 10.09 0.61% 959

Best & Worst Performance

Best Performance Worst Performance
Return (%) Period Return (%) Period
Week 8.01 29-Jan-2021 - 05-Feb-2021 -18.27 17-Apr-2020 - 24-Apr-2020
Month 9.60 29-Jan-2021 - 02-Mar-2021 -19.40 17-Apr-2020 - 18-May-2020
Quarter 15.99 04-Nov-2020 - 03-Feb-2021 -25.78 17-Feb-2020 - 18-May-2020
Year 41.85 24-Sep-2020 - 24-Sep-2021 -22.81 27-May-2019 - 26-May-2020

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Fund 8.51 12.71 0.37 0.34 0.72 0.21
VR MIP TRI 10.03 6.79 0.92 1.13 -- --
Hybrid: Conservative Hybrid 9.20 6.30 0.99 1.15 0.68 1.19
Rank within category 23 29 27 27 16 22
Number of funds in category 30 30 30 30 30 30

The Risk Measures have been calculated using calendar month returns for the last three years.

As on 30-Nov-2021

Asset Allocation (%)

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Concentration & Valuation

Number of Stocks 0
Number of Bonds 0
Average Maturity (yrs) * --
Top 10 Holdings (%) 98.24
Portfolio P/B Ratio 2.67
Portfolio P/E Ratio 18.73

Value Research Equity Fund Style

Value Research Debt Fund Style

Credit Rating vis-à-vis Category

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Top Debt Holdings

Company Instrument Credit Rating 1Y Range % Assets
down Franklin India Corporate Debt Direct-G Mutual Fund -- 49.12 - 63.01 62.71
equal Franklin India Dynamic Accrual Direct Plan-Gr Mutual Fund -- 1.25 - 14.28 1.96
equal Franklin India Dynamic Accrual Fund - Segregated Portfolio 2 Direct-G Mutual Fund -- 0.00 - 0.00 0.00
equal Franklin India Dynamic Accrual Fund - Seg Portfolio 3 Direct-G Mutual Fund -- 0.00 - 0.00 0.00

up down equal Indicates an increase or decrease or no change in holding since last portfolio
new Indicates a new holding since last portfolio

Sector Allocation vis-à-vis Category

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Top Equity Holdings

Company Sector P/E 3Y High 3Y Low % Assets
down Franklin India Bluechip Direct Fund-Gr Financial -- 14.63
down Templeton India Value Direct-G Financial -- 9.51
down Franklin India Prima Fund - Di Financial -- 9.42

up down equal Indicates an increase or decrease or no change in holding since last portfolio
new Indicates a new holding since last portfolio

As on 31-Oct-2021

Fund Manager

— Paul Parampreet since 01-Mar-2018

Education: Mr. Parampreet is PGDM from IIM Calcutta and B.Tech from IIT Kharagpur.

Experience: Prior to joining Franklin Templeton Mutual Fund he has worked with Edelweiss AMC, Edelweiss Securities Ltd., SDG India Pvt. Ltd., ICICI Bank and with BG India Pvt. Ltd.

Funds Managed:


0.32%

Change from previous, NAV as on 02-Dec-2021

Growth: ₹ 60.7924

IDCW: ₹ 14.6415


Investment Strategy

The scheme seeks to generate superior risk adjusted returns to investors in line with their chosen asset allocation.

Investment Details

Minimum Investment (₹) 5,000
Minimum Addl Investment (₹) 1,000
Minimum SIP Investment (₹) 500
Minimum No of Cheques 12
Minimum Withdrawal (₹) 1,000
Minimum Balance (₹) 1,000
Lock-in Period Not Applicable
Exit Load 0.75% for redemption within 365 days

Basic Details

Fund House: Franklin Templeton Mutual Fund
Launch Date: 01-Jan-2013
Return Since Launch: 9.57%
Benchmark: CRISIL Composite Bond Index (65), S&P BSE Sensex TRI (25), NIFTY 500 TRI (10)
Riskometer: Moderately High
Type: Open-ended
Assets: ₹ 20 Cr (As on 31-Oct-2021)
Expense: 0.72% (As on 31-Oct-2021)
Risk Grade: High
Return Grade: Average
Turnover: --

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
IDCW22-Oct-20211.2500

 23-Oct-20201.0000
 01-Nov-20190.9004
 19-Oct-20180.9004
 27-Oct-20170.9751
 28-Oct-20160.9751
 23-Oct-20150.9028
 31-Oct-20140.9073
 25-Oct-20130.9741

Contact Information

AMC: Franklin Templeton Asset Management India Private Ltd

Address: Indiabulls Finance Center, Tower 2, 12th and 13th Floor, Senapati Bapat Marg, Elphinstone Road (West) Mumbai - 400013

Phone: 1800-425-4255 / 60004255

Email: [email protected]

Website: http://www.franklintempletonindia.com

Registrar & Transfer Agent: Computer Age Management Services Ltd.

Address: 7th Floor, Tower II, Rayala Towers, 158, Anna Salai, Chennai - 600002

Phone: 1800-3010-6767 / 1800-419-7676

Fax: 044-30407101

Email: [email protected]

Website: www.camsonline.com

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