Balanced mutual funds are a type of income fund that invests in bonds and stocks equally. The primary objective of these funds is to generate income and achieve capital appreciation. These are managed by fund managers and are best suited for investors with a moderate risk appetite. Balanced mutual funds mostly attract investors who are looking for an early retirement.
Balanced funds are similar to income funds. However, these also comprise non-debt instruments such as common stock, preferred stock, real estate, etc. These funds often yield returns that are higher than those generated by bond funds or money market funds. Balanced
Funds take on a conservative approach and invest in a variety of high- and low-risk instruments. Some of the noteworthy features of balanced mutual funds are as follows:
For new investors who are considering an investment in balanced mutual funds, here are some of the benefits to be availed:
For investors who are looking for some of the best balanced mutual fund options, mentioned below are details of the top performing balanced funds:
About the fund
This is an open-ended dynamic asset allocation fund that seeks to generate long-term capital appreciation via a diversified portfolio of equity and equity related securities. The fund also aims to generate reasonable returns through investment in debt and money market instruments. It also looks for arbitrage opportunities from cash and derivative instruments.
Inception Date | February 7, 2011 |
Benchmark Name | 50% – S&P BSE 200 TRI 50% – CRISIL Short Term Bond Fund Index |
Fund Manager | Mr. Vihang Naik, Mr. Venugopal Manghat, Mr. Praveen Ayathan |
Expense Ratio | 0.81% |
Asset Allocation
Category | Percentage Allocation |
Equity and equity related securities | 25.8% |
Debt, money market and government securities | 26.2% |
Cash | 48% |
Historical Returns of the Fund (annualised)
1-Year | 2-Year | 3-Year | 5-Year | Since Inception |
24.23% | 11.64% | 9.01% | 9.83% | 12.38% |
About the fund
This is an open-ended dynamic asset allocation fund. The fund aims to generate long-term capital appreciation through investments in equity and equity related instruments. Investments also include equity derivatives and debt instruments. The fund does not assure or guarantee the achievement of its objective or returns.
Inception Date | September 27, 2016 |
Benchmark Name | CRISIL Hybrid 50 + 50 – Moderate Index TRI |
Fund Manager | Mr. Akash Singhania , Mr. Abhiroop Mukherjee |
Expense Ratio | 1.20% |
Asset Allocation
Category | Percentage Allocation |
Equity and equity related securities | 37.2% |
Debt, money market and government securities | 23.1% |
Cash | 39.6% |
Historical Returns of the Fund (annualised)
1-Year | 2-Year | 3-Year | Since Inception |
26.39% | 10.88% | 7.23% | 9.61% |
About the fund
The main objective of the fund is to achieve long-term capital appreciation through systematic allocation of funds across equity, debt and money market instruments. The scheme allocates funds into equity assets based on the Price-Earnings Ratio (PE Ratio) levels. In case the markets turn expensive with regards to ‘Price to Earnings’ Ratio; the scheme reduces its allocation in equities and switches to cash future arbitrage or equity derivatives, debt and/or money market instruments.
Inception Date | January 01, 2013 |
Benchmark Name | Crisil Short Term Bond Fund Index |
Fund Manager | Ravi Gopalakrishnan,Bekxy Kuriakose |
Expense Ratio | 1.03% |
Asset Allocation
Category | Percentage Allocation |
Equity and equity related securities | 33.6% |
Debt, money market and government securities | 13.7% |
Cash | 52.8% |
Historical Returns of the Fund (annualised)
1-Year | 2-Year | 3-Year | 5-Year | Since Inception |
21.64% | 8.11% | 7.07% | 8.47% | 10.01% |
About the fund
The main objective of the fund is to generate long-term capital growth and income distribution by ensuring relatively lower volatility. It primarily invests in a dynamically balanced portfolio of Equity & Equity linked investments combined with fixed-income securities.
Inception Date | April 26, 2000 |
Benchmark Name | CRISIL Hybrid 50+50 Moderate Total Return Index |
Fund Manager | Mr. Vineet Maloo,Mr. Mohit Sharma |
Expense Ratio | 0.81% |
Asset Allocation
Category | Percentage Allocation |
Equity and equity related securities | 33.6% |
Debt, money market and government securities | 13.7% |
Cash | 52.8% |
Historical Returns of the Fund (annualised)
1-Year | 2-Year | 3-Year | 5-Year | Since Inception |
41.10% | 14.86% | 11.21% | 13.04% | 12.29% |
About the fund
This is an open-ended dynamic asset allocation fund that aims to provide equity like returns with lower uncertainty. The fund follows a process driven approach to switch between equity and debt investments depending on market conditions. The fund primarily invests in stocks of large-cap companies and high quality AAA rated bonds or similar debt instruments.
Inception Date | August 20, 2009 |
Benchmark Name | CRISIL Hybrid 50+50 – Moderate Index |
Fund Manager | Bhavesh Jain, Bharat Lahoti, Gautam Kaul |
Expense Ratio | 1.93% |
Asset Allocation
Category | Percentage Allocation |
Equity and equity related securities | 62.7% |
Debt, money market and government securities | 18.6% |
Cash | 18.7% |
Historical Returns of the Fund (annualised)
1-Year | 2-Year | 3-Year | 5-Year | Since Inception |
40% | 19.37% | 13.82% | 13.29% | 12.82% |
Before investing in a balanced mutual fund, investors must carefully assess personal investment objectives against the fund objectives. It is also important to assess the risk involved in the selected fund before finalising on an investment. Investors must make sure to compare among the available options and choose one which best suits personal requirements.
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