Best hybrid fund for a hot market! | Aggressive Hybrids VS BAFs VS MAFs
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- Опубліковано 10 чер 2024
- Watch this Investors' Hangout as we explore the world of hybrid funds: Aggressive Hybrids VS Balanced Advantage VS Multi-Asset Funds.
Listen to Dhirendra Kumar as he compares their structures, strategies, tax treatment and suitability in a volatile market environment.
Whether you're a novice investor or a seasoned professional, this session will provide valuable insights into which hybrid fund might best fit your financial goals during these dynamic times.
Be it queries related to mutual funds, stocks, or tax-saving investments, Value Research www.valueresearchonline.com will answer all of them. Feel free to post your query on vro.in/askvr.
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Here are the key takeaways:
- Aggressive Hybrid Funds: Invest up to 75% in equity and the remainder in fixed income.
- Balanced Advantage Funds: Employ a dynamic strategy to adjust equity and debt allocations based on the fund house's philosophy.
- Multi-Asset Funds: Distribute investments across at least three asset classes, such as equity, debt, gold, and real estate, ensuring a minimum of 10% in each.
- Taxation: Both aggressive hybrids and most balanced advantage funds are equity-oriented and taxed based on investment duration. Multi-asset funds are taxed as equity or debt funds depending on whether their equity allocation exceeds 65% over the past year.
- If market volatility concerns you, opt for aggressive hybrids for long-term stability or choose balanced advantage funds for medium-term investments.
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Chapters:
00:04 Introduction
00:33 Equity funds vs Hybrid funds for beginners
01:58 Aggressive Hybrid Funds vs Balanced Advantage Funds vs Multi-Asset Funds
05:42 Out of Aggressive Hybrids, Balanced Advantage and Multi-Asset Funds, which is better in terms of diversification and risk management?
07:37 How are Aggressive Hybrids, Balanced Advantage and Multi-Asset Funds taxed?
08:33 Which is the best hybrid fund in the current market conditions?
09:36 Viewer's question - I got Rs 3 crore of insurance money after my husband. I want to invest that money in flexicap, midcap and smallcap funds. So, is it okay to park that money in liquid funds
and do an STP from there? Should I park this money in a Balanced Advantage Fund and plan a Systematic Withdrawal?
11:12 Key Takeaways
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As usual Dhirendra Sir is class.
One of the best.. Dhirendra sir !! Crystal clear and to the point analysis..
Thank you
Please throw some light to the nature of Equity savings funds ?
Thank you Dhirender sir for the good views on hybrid fund.
Why not Multi Asset Funds? Adding gold to the portfolio makes the investment even more diversified and reduces ups and downs in the market as well, history suggests.
Historically gold has not given much return, it’s the currency depreciation which has brought about the benefits
Gold crashes once in a decade too. Debt doesn't crash and provides stability but gold is more like bluechip return which can be stable but sometimes badly hit in a gold crash like bluechip also crashed in 2008, 2020
For those in higher tax slabs, gains from MAF can be shockingly high (based on the invested capital)
Can you please make some videos on value research advisor
Hybrid funds help investors in getting rich slowly ❤
Best hybrid funds
Thanks for sharing valuable information on balanced,aggressive &miret Aastha funds Dhirender sir
You're welcome
At age 65, I am in the process of making up my mind to deploy 25% of my funds into 10 year bank annuity emi type plan wherein assured cash flow will be much higher around 14% as component includes principal, it is appealing to me in comparison to liquid/short term funds. Then 75%, intend into balanced advantage funds which will allow us equally higher cash flows (all along will try to stick around to 4% drawdowns of total corpus as advised in this video) after 10 years if we are around/ till me and my spouse departure.
I have been consistently watching value research/Dhirendra Ji for many years. Pls advise me if my above thinking is rational or I follow flexi cap (more risk returns legacy…) as advised in the podcast.
Thanks VR for honouring my request for this video😊
Our pleasure!
I would say pick an index fund/flexicap fund and short duration fund/arbitrage fund rather than hybrid funds. You will have more control and also you can rebalance your portfolio as per your needs.
Crisp ..as always !!
Thank you 😊
Very informative but I think MAF is more suitable than BAF for a conservative equity investor since it has exposure to more than three different classes of assets which enhances diversification and reduces concentration risk.
There are actually two problems with MAF. One, the equity exposure is higher during 'good' times and when market falls, it is hurt more. Two, the taxation is according to one's tax slab (which is not good news for those in the higher tax slabs)
@@sc7783 If the equity exposure is high, then the long term capital gains will be just 10% above one lakh per annum and hence is most efficient from taxation point of view too. So it is one more reason to go for MAF.
How is expense ratio deducted from the SIP amount ? Is it on monthly basis or annual basis ?
Daily basis actually 😊
@@sc7783 lets say I have 3-4 funds , so it is charged individually
Or Average it
I am Ketan Raval from Ahmedabad. My age is 59 & retired. I shall start my monthly expenses Rs.40,000/- after two years . I am having conservative hybrid fund of MF sbi , hdfc , absl , icici & kotak MF . Each having 5 lakh investment since last 02 years. Is it right timing in current market scenario to switch over into Agressive hybrid or Balance Advantage funs into same AMC !! Should I switch lumps in a multiple shots ot do STP ??
No, your investment portfolio is looking very good don't be greedy
You are a retired and almost a senior citizen. Your priority must be preservation of capital and not to enhance it. Stick with the current plan and don't be greedy or adventurous,
Ur allocation looks good. Maximum you can add balanced advantage from icici and it should be less than 20% of ur entire portfolio.