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Franklin India Life Stage Fund of Funds 50s Plus - Floating Rate


1 Lakh

Investment Grown to
₹ 1.22 Lakh

₹ 10000

Monthly SIP Grown to
₹ 3.94 Lakh

Analyst's Choice?

Suitability:

When you invest for three years or above, you can expect gains that beat the inflation rate and are also slightly higher than fixed income options. But be prepared for some ups and downs in your investment value along the way.

Conservative hybrid funds invest roughly a quarter of your money in equity shares and the rest in bonds and commodities. Given their underlying investments, these funds offer a viable alternative to regular income seekers. To derive dependable, inflation-protected income, 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% of the value of your investment every year.

Warning: Do not invest in this, or any other aggressive hybrid fund, if you need to redeem your investment in less than three years.

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 paid by the mutual fund scheme are taxed at the rate of 25% (effectively 29.12%, including surcharge and cess). This is known as Dividend Distribution Tax (DDT).Though the investor does not pay this tax directly, it is deducted from the dividend income before passing on to the investor.

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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 0.62 0.26 -0.08 0.13 1.07 4.45 7.50 6.71 7.10 8.44 8.20
VR MIP TRI 0.64 -0.09 -0.06 0.01 1.91 4.95 10.58 8.60 7.30 8.89 8.41
Hybrid: Conservative Hybrid 1.57 0.27 -0.13 1.10 1.96 5.53 8.65 6.20 6.67 8.58 8.40
Rank within category 32 17 30 34 30 29 23 16 9 18 14
Number of funds in category 38 38 38 38 37 37 35 35 32 30 25

As on 20-Feb-2020

Best & Worst Performance

Best (Period) Worst (Period)
Week 3.56 (13-May-2009 - 20-May-2009) -3.14 (15-Jan-2008 - 22-Jan-2008)
Month 6.65 (11-May-2009 - 10-Jun-2009) -6.04 (24-Sep-2008 - 24-Oct-2008)
Quarter 14.88 (09-Mar-2009 - 10-Jun-2009) -6.34 (02-Sep-2008 - 02-Dec-2008)
Year 23.65 (09-Mar-2009 - 11-Mar-2010) -6.20 (06-Dec-2007 - 05-Dec-2008)

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Fund 6.80 2.50 0.45 0.73 0.55 -0.24
VR MIP TRI 8.13 4.10 0.60 0.95 -- --
Hybrid: Conservative Hybrid 5.80 4.21 0.08 0.18 0.75 -1.72
Rank within category 10 3 5 5 7 6
Number of funds in category 36 36 36 36 36 36

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

As on 31-Jan-2020

Asset Allocation (%)

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Concentration & Valuation

Number of Stocks 0
Number of Bonds 0
Average Maturity (yrs) * --
Top 10 Holdings (%) 99.84
Portfolio P/B Ratio 1.82
Portfolio P/E Ratio 17.16

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 Savings Direct-G Mutual Fund -- 78.82 - 81.01 79.83

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 -- 14.99
down Templeton India Value Direct-G Financial -- 5.01

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

As on 31-Jan-2020

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:


0.26%

Change from previous, NAV as on 20-Feb-2020

Growth: ₹ 39.5596

Dividend Quarterly: ₹ 14.1039


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
Exit Load 1% for redemption within 365 days

Basic Details

Fund House: Franklin Templeton Mutual Fund
Launch Date: 09-Jul-2004
Return Since Launch: 9.20%
Benchmark: CRISIL Liquid (80), S&P BSE Sensex TRI (20)
Riskometer: Moderately High
Type: Open-ended
Assets: ₹ 29 Cr (As on 31-Jan-2020)
Expense: 0.79% (As on 31-Jan-2020)
Risk Grade: Low
Return Grade: Average
Turnover: --

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
Dividend Quarterly20-Dec-20190.1981

 20-Sep-20190.1981
 21-Jun-20190.1981
 22-Mar-20190.1981
 21-Dec-20180.1981
 21-Sep-20180.1981
 15-Jun-20180.1981
 16-Mar-20180.1986
 15-Dec-20170.1986
 15-Sep-20170.1986
 16-Jun-20170.1986
 17-Mar-20170.1986
 16-Dec-20160.1986
 16-Sep-20160.1986
 17-Jun-20160.1986
 28-Mar-20160.1986
 18-Dec-20150.1986
 18-Sep-20150.1986
 19-Jun-20150.1986
 20-Mar-20150.1996
 19-Dec-20140.1996
 19-Sep-20140.2143
 20-Jun-20140.2143
 21-Mar-20140.2143
 27-Dec-20130.2143

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: www.franklintempletonindia.com

Registrar & Transfer Agent: Franklin Templeton Asset Management (India) Pvt. Ltd.

Address: Unit 301, III Floor, Campus 4B, RMZ Millenia Business Park, 143 Dr. MGR Road, Kandanchavadi Chennai - 600096

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