Bandhan Asset Allocation Fund Of Funds - Moderate Plan - Direct Plan
An open ended fund of fund scheme investing in schemes of Bandhan Mutual Fund - equity funds and debt funds excluding Gold ETF
What is an Asset Allocation Fund of Funds - Moderate Plan?
Think of an Asset Allocation Fund of Funds - Moderate Plan as a balanced meal designed specifically for your financial appetite. It blends different types of investments—like debt, equity, and even gold—into one portfolio, aiming to match your risk tolerance and financial goals. This fund doesn’t just pick individual investments; it selects and combines other mutual funds to create a diversified and carefully managed portfolio.
Asset allocation funds are a type of mutual fund scheme that attempts to create a portfolio for an investor on the basis of their risk tolerance. Asset allocation mutual funds invest across different asset classes and aim to create a diversified portfolio.
Fund of Funds are an investment scheme that invests in other mutual funds. Fund of Funds aim to diversify the investors assets and potentially mitigate risk.
Bandhan Asset Allocation Fund of Funds - Moderate Plan invests across different Bandhan Mutual Fund schemes based on a pre-defined asset allocation model. This scheme is a moderate plan and invests a majority of its corpus in debt assets. Bandhan Asset Allocation Fund of fund - moderate plan is mandated to invest 10%-75% of its assets in debt funds. In order to diversify the asset allocation, the fund also invests in equity funds. According to the mandate, a minimum of 25% of the fund must be invested in equity funds, including off-shore equity funds.
Bandhan Asset Allocation mutual Fund of fund - moderate plan is also allowed to invest in alternative funds and securities such as gold, debt and money market securities. A maximum of 30% of the funds corpus can be invested in gold funds. According to the mandate, a maximum of 5% can be invested in debt and money market securities.
The potential returns from asset allocator funds may be significant, investors may potentially benefit from the diversification of their assets. Losses incurred by underperformance of one asset may be reduced due to the diversified fund portfolio.
- Min Investment 1,000
- Min SIP Amount 100
- Exit Load
a) If redeemed/switched out within 365 days from the date of allotment:
->Upto 10% of investment:Nil,
->For remaining investment: 1% of applicable NAV.
b) If redeemed / switched out after 365 days from date of allotment: Nil. (w.e.f. May 08, 2020)
Scheme is suitable for a minimum investment horizon of 6 months
Tier 1 Benchmark : NIFTY 50 Hybrid Composite debt 50:50 IndexAlternate Benchmark : CRISIL 10 Year Gilt Index
- Performance
- Portfolio
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Performance as on 29th November 2024
| Scheme Names | CAGR Returns (%) | Current value of Investment of 10,000 | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| 1 year | 3 year | 5 year | 10 year | 11/02/2010 Since inception | 1 year | 3 year | 5 year | 10 year | 11/02/2010 Since inception | |
| Bandhan Asset Allocation Fund of Funds - Moderate Plan - Regular Plan - Growth | 18.62 | 10.46 | 10.87 | 9.06 | 9.65 | 11,867 | 13,482 | 16,759 | 23,818 | 39,108 |
| 15.32 | 9.95 | 12.06 | 10.35 | 10.68 | 11,537 | 13,297 | 17,685 | 26,799 | 44,939 | |
| 10.18 | 5.58 | 5.48 | 6.79 | 6.43 | 11,021 | 11,769 | 13,059 | 19,309 | 25,179 | |
| ^ Tier 1 Benchmark | ^^ Alternate Benchmark | ^^^ Tier 2 Benchmark | ||||||||||
This fund is managed by Mr. Viraj Kulkarni (w.e.f 07/01/2022)
View fund performance of other funds managed by Mr. Viraj Kulkarni
Past performance may or may not be sustained in future.
Regular and Direct Plans have different expense structure. Direct Plan shall have a lower expense ratio excluding distribution expenses, commission expenses etc.
Taxation:
For taxation, please refer the link : https://bit.ly/46xQzi1
Bandhan Asset Allocation Fund of Funds Moderate Plan
(Scheme Risk-o-meter)
NIFTY 50 Hybrid Composite debt 50:50 Index
(Tier 1 Benchmark Risk-o-meter)
This product is suitable for investors who are seeking* :
- To generate capital appreciation and income over long term.
- Investment in different Bandhan Mutual Fund schemes based on a defined asset allocation model.
Who Should Invest in an Asset Allocation Mutual Fund of Funds - Moderate Plan?
Asset allocation fund of funds primarily aim to diversify their investment portfolio by investing in different funds across asset classes. Investors seeking diversification of their investments may potentially benefit by investing in this fund. Moreover, the potential risk level may be reduced due to diversification.
Bandhan Asset Allocation Fund of Funds adopts a moderate plan and invests in debt, equity funds and gold. Due to the funds portfolio it is categorised as a high risk investment option. Investors with a moderate to high-risk appetite may be suitable for this fund.
Investors with a long-term investment horizon, seeking capital appreciation may benefit by investing in this asset allocation mutual fund of funds.
FAQs on Asset Allocation Fund of Funds - Moderate Plan
What is the meaning of an Asset Allocation Fund of Funds - Moderate Plan?
Asset allocation mutual funds aim to diversify an investor's assets by investing across asset classes. Bandhan Asset Allocation Fund of Funds moderate plan invests 25-55% of its corpus in equity funds. The fund is mandated to invest 10-75% of its assets in debt funds. This diversification may help mitigate risk.
What are the advantages of Asset Allocation Fund of Funds - Moderate Plan?
Asset allocation funds are beneficial for investors seeking diversification of their investments. By investing across asset classes risk may be reduced. These funds are relatively less vulnerable to market volatility due to their diversified portfolio. They may also help investors generate capital appreciation over the long-term.
Are Asset Allocation Fund of Funds - Moderate Plan risky?
All mutual funds are subject to certain risks. Bandhan Asset Allocation Fund of Funds - moderate plan is classified as a high-risk fund. It is subject to credit risk, interest rate risk and market risks.
Should you invest in Asset Allocation Fund of Funds - Moderate Plan for the short term?
Asset allocation mutual funds are suitable for investors with a long-term horizon. Asset allocation fund returns may not be significant in the short-term.
Who should invest in Asset Allocation Fund of Funds - Moderate Plan of funds?
Investors seeking diversification of their investments are suitable for asset allocation funds. Investors seeking long-term investments and capital appreciation may benefit from investing in this fund. Moreover, this fund is a moderate plan and invests in both, equities and debt. This asset allocation mutual fund is suitable for investors with a high-risk appetite.