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3 star

IDFC Asset Allocation Fund - Conservative Plan - Direct Plan


1 Lakh

Investment Grown to
₹ 1.30 Lakh

₹ 10000

Monthly SIP Grown to
₹ 4.17 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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Trailing Returns (%)

YTD 1-Day 1-W 1-M 3-M 6-M 1-Y 3-Y 5-Y 7-Y 10-Y
Fund 1.04 -0.37 -0.03 1.80 0.70 5.27 9.53 9.16 8.29 8.25 --
VR MIP TRI 2.01 0.09 0.69 2.74 0.26 7.12 11.62 10.91 9.87 8.72 --
Hybrid: Conservative Hybrid 0.77 -0.26 0.10 1.18 0.63 5.36 11.59 9.49 8.23 8.36 --
Rank within category 8 33 27 6 13 18 22 20 17 14 --
Number of funds in category 36 36 36 36 36 36 33 30 30 28 0

As on 18-Jan-2022

Peer Comparison

Fund name Rating Launch Date 1-Year Return 3-Year Return 5-Year Return Expense Ratio Assets (Cr)
IDFC Asset Allocation Fund - Conservative Plan - Direct Plan
3 star
Jan-13 9.53 9.16 8.29 0.20% 8
SBI Conservative Hybrid Fund - Direct Plan  | Invest Online
4 star
Jan-13 14.98 12.85 9.31 0.56% 5,338
ICICI Prudential Regular Savings Fund - Direct Plan  | Invest Now
5 star
Jan-13 12.00 11.41 10.37 0.95% 3,375
Kotak Debt Hybrid Fund - Direct Plan  | Invest Online
5 star
Jan-13 14.76 14.38 10.71 0.48% 1,268
Canara Robeco Conservative Hybrid Fund - Direct Plan  | Invest Online
5 star
Jan-13 12.23 12.84 10.20 0.56% 1,045

Best & Worst Performance

Best Performance Worst Performance
Return (%) Period Return (%) Period
Week 3.14 24-Mar-2020 - 31-Mar-2020 -4.60 11-Mar-2020 - 18-Mar-2020
Month 5.27 23-Mar-2020 - 22-Apr-2020 -9.78 20-Feb-2020 - 23-Mar-2020
Quarter 9.01 24-Mar-2020 - 23-Jun-2020 -7.91 23-Dec-2019 - 23-Mar-2020
Year 20.16 13-Feb-2014 - 13-Feb-2015 -1.97 22-Mar-2019 - 23-Mar-2020

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Fund 8.64 4.53 1.08 1.06 0.63 0.94
VR MIP TRI 10.03 6.79 0.93 1.14 -- --
Hybrid: Conservative Hybrid 9.04 6.29 0.98 1.14 0.68 1.04
Rank within category 20 7 13 16 12 18
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 31-Dec-2021

Asset Allocation (%)

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Concentration & Valuation

Number of Stocks 0
Number of Bonds 1
Average Maturity (yrs) * --
Top 10 Holdings (%) 99.97
Portfolio P/B Ratio 4.15
Portfolio P/E Ratio 30.45

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
equal IDFC Low Duration Direct-G Mutual Fund -- 46.77 - 51.95 50.04
down IDFC Bond Short Term Direct-G Mutual Fund -- 20.52 - 22.06 20.52
equal IDFC Cash Direct Mutual Fund -- 0.66 - 1.85 0.67
equal Others Margin Money -- - 0.01

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
equal IDFC Large Cap Direct-G Financial -- 21.70
equal IDFC Focused Equity Fund - Direct Plan Financial -- 7.04

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-Dec-2021

Fund Manager

— Arpit Kapoor since 18-Apr-2018

Education: Mr. Kapoor is a B.Tech. from Uttar Pradesh Technical University and PGDM from IIM Kozhikode

Experience: Prior to joining IDFC Mutual Fund he has considerable experience in Equity markets while working with UTI Mutual Fund.

Funds Managed:


-0.37%

Change from previous, NAV as on 18-Jan-2022

Growth: ₹ 27.6283

IDCW: ₹ 17.1032


Investment Strategy

The scheme seeks to provide diversification across asset classes and generate a mix of capital appreciation and income predominantly through investment in equity funds and debt funds of IDFC Mutual Fund based on a defined asset allocation model.

Investment Details

Min. Investment (₹) 5,000
Min. Addl Investment (₹) 1,000
Min. SIP Investment (₹) 1,000
Min. No of Cheques 6
Min. Withdrawal (₹) 500
Min. Balance (₹) 500
Lock-in Period Not Applicable
Exit Load For units in excess of 10% of the investment,1% will be charged for redemption within 365 days

Basic Details

Fund House: IDFC Mutual Fund
Launch Date: 01-Jan-2013
Return Since Launch: 9.33%
Benchmark: CRISIL Hybrid 85+15 Conservative Index
Riskometer: Moderately High
Type: Open-ended
Assets: ₹ 8 Cr (As on 31-Dec-2021)
Expense: 0.20% (As on 31-Dec-2021)
Risk Grade: Below Average
Return Grade: Average
Turnover: --

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
IDCW24-Dec-20210.1704

 23-Sep-20210.1706
 28-Jun-20210.1661
 22-Mar-20210.1646
 24-Dec-20200.1620
 28-Sep-20200.1581
 26-Jun-20200.1909
 16-Mar-20200.2275
 27-Dec-20190.1718
 24-Jun-20190.1675
 30-Aug-20180.1626
 28-May-20180.0264
 27-Feb-20180.0264
 29-Nov-20170.1596
 30-Aug-20170.1589
 30-May-20170.0506
 27-Apr-20170.0722
 29-Mar-20170.0650
 27-Feb-20170.0289
 30-Jan-20170.0650
 27-Oct-20160.0650
 27-Sep-20160.0650
 30-Aug-20160.0578
 28-Jul-20160.0650
 29-Jun-20160.0650

Contact Information

AMC: IDFC Asset Management Company Limited

Address: Unit No. 27, Ground Floor, Khetan Bhavan,198, Jamshedji Tata Road, Churchgate, Mumbai - 400020

Phone: 022-24398777 / 24399999 / 66289999

Fax: 24215052 / 24215051

Email: [email protected]

Website: http://www.idfcmf.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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