Asset allocation funds often take the back seat when the markets are on fire. These are funds that invest in more than one asset class, usually equity and debt. But all it takes is one big market fall to bring them back in the reckoning as there is a greater appreciation of the attributes they add to a portfolio, particularly the downside protection. But then, this is a lesson for ordinary investors. For the users of Value Research Premium, a deep understanding of this is the very basis of investment decisions! Equity savings is one such category that somewhat got left behind in the blinding returns of the equity markets in 2020 and 2021. But this year, their ability to safeguard investors in a falling market is back to the fore. Here, we talk about what keeps us hooked to this category despite a muted investor interest, some key trends shaping it and the changes in our recommendations. When the going gets tough, equity savings gets going Equity savings funds, by design, are primed to do well in falling markets. They've demonstrated it this year as well. Between October last year to June this year, when equity markets corrected by 16 per cent, an average equity savings fund was down only 4.5 per cent. On a year-to-date bas
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