New Fund Offers

Sustainability Equity Fund

Meaning

Environmental, Social, and Governance (ESG) Fund, also called a Sustainable Fund, is a new consideration in investment options. It will invest in companies or businesses that are environmentally responsible, socially active, and abide by ethical management practices. 

The Sustainability Equity Fund is our popular ESG Fund. The fund option allows you to invest in equity and equity-related instruments that follow the NIFTY 100 ESG Index Benchmark. 

Investment Objective

The investment objective of ULIP Policyholders who choose the Sustainability Equity Fund is to generate long-term wealth appreciation using a diversified asset allocation of businesses that follow green, sustainable, and good business practices. 

Fund Strategy

The fund is designated to adopt Tata AIA’s holistic approach to invest in equity and equity-related instruments predominantly to generate market-linked returns aligned with individual policyholder’s financial objectives.

Benefits

• Equity-related investment benefit - Policyholders can invest in equity-related financial instruments at a higher proportion for better market-linked returns.

  The asset allocation is as follows:

  • Equity and equity-linked products - 80% - 100%

  • Debt funds - 0% - 20%

  • Mutual Funds, Money Market Instruments, Cash, and Bank Deposits - 0% - 20%

• Sustainable Growth - Sustainable business practices help companies enhance their growth and profitability, offering sizeable returns on investment.

• Long-term Capital Appreciation - Companies following sustainable practices will have higher growth potential, reduced business risk, and reliable financial results that can ascertain long-term capital appreciation.

• Life cover with market-linked returns - The ULIP Plan with the Sustainability Equity Fund provides a life cover for the family’s financial security and market-linked returns for accomplishing future financial goals. 

Who Should Invest In This Fund?

The Sustainable Equity Fund is suitable for policyholders seeking a life cover and options for long-term capital appreciation while contributing to a better society and a greener planet. 

NFO Link

Sustainability Equity Fund

Dynamic Advantage Fund

Meaning

The Dynamic Advantage Fund allows ULIP policyholders to dynamically invest in a mix of equity and debt funds to benefit from both fund options. 

Investment Objective

The investment objective is to invest in a diversified portfolio with equity and debt-related fund options in a balanced manner for long-term capital growth, minimising volatility risk. 

Debt funds help combat market volatility, and equity funds create wealth appreciation.

Fund Strategy

The Dynamic Advantage Fund adopts Tata AIA’s dynamic investment approach to capitalise on a bull market advantage, creating long-term wealth while facing and managing the downside for higher market-linked and risk-adjusted returns. 

Benefits

• Life cover with market-linked returns - The ULIP Plan with the Dynamic Advantage Fund provides a life cover for the family’s financial security and market-linked returns for accomplishing future financial goals. 

• Stability - The debt fund option helps reduce portfolio risk by minimising the losses during market corrections. 

• Growth and Safety - The equity component helps create long-term market-linked returns to beat the inflation rate, and the debt component secures the investment against market volatility risk.

Who Should Invest In This Fund?

It is an ideal New Fund Offer for policyholders seeking a life cover for their family’s financial security and first-time investors for capital appreciation while expecting to be covered under a safety net.

NFO Link

Dynamic Advantage Fund

Emergency Opportunities Fund

Meaning

The Emergency Opportunities Fund is a New Fund Offer that provides the opportunity to invest in mid-cap stocks and benefit from their growth potential. These investments offer consistent returns long term as it is proven better to showcase agility towards adapting to a business cycle.

Investment Objective

The investment objective of the Emergency Opportunities Fund is to generate consistent, long-term, risk-adjusted market-linked returns to the policyholders. 

Fund Strategy

The Emergency Opportunities Fund adopts Tata AIA’s holistic investment approach to benefit from long-term wealth-creating opportunities by choosing equity investments in the mid-cap segment. It also provides the flexibility to move towards the multi-cap segment for a diversified investment portfolio.

Benefits

• Enhanced competitive advantage - Companies in the mid-cap segment are considered new-age disruptors with innovative offerings. They can expand their business initiatives to develop a competitive advantage for global growth.

• Life cover with consistent market-linked returns - The ULIP Policy with the Emergency Opportunities Fund will provide a life cover for the family’s financial security while ascertaining opportunities for consistent market-linked returns.

Who Should Invest In This Fund?

The Emergency Opportunities Fund is most suited for people seeking a conservative approach to investing with a life cover. Mid-cap stocks offer better growth potential than large-cap stocks but with lesser risk than small-cap stocks. 

NFO Link

Emergency Opportunities Fund

Emerging Opportunities Fund

Meaning

An Emerging Opportunities Fund is an investment option that allows investors to benefit from mid-cap companies and emerging market leaders. They exhibit immense potential to create significant future growth. Although they focus on mid-cap stocks, they provide the flexibility to invest in multi-cap funds with greater growth potential.

Investment Objective

The investment objective of the Emerging Opportunities Fund is to generate long-term capital appreciation by investing in a portfolio of mid-cap stocks in the new-age sectors. It can invest up to 30% of the portfolio in equity and equity-related instruments not in the mid-cap range. 

Fund Strategy

The Emerging Opportunities Fund adopts Tata AIA’s holistic investment approach to benefit  from long-term wealth-creating opportunities in the mid-cap segment. It also provides the flexibility to move towards the multi-cap segment for a diversified investment portfolio.

Benefits

• Diversified portfolio - Investing in the mid-cap segment provides the right balance between the growth potential of small-cap stocks and the stability of large-cap stocks. 

• Emerging options for long-term wealth creation - The mid-cap stocks have the potential to provide returns and grow similar to large-cap stocks over time, offering long-term capital appreciation for investors. 

• Agile for emerging trends - Mid-cap companies can easily and quickly adapt to changes in the business environment, leading to better responses to emerging trends.

• Life cover - While generating capital appreciation from the mid-cap segment, the ULIP Policy with the Emerging Opportunities Fund provides the necessary financial coverage for the life insured to secure their family’s future in their absence. 

Who Should Invest In This Fund?

The Emerging Opportunities Fund is suitable for investors seeking long-term growth potential and is highly risk-averse. 

NFO Link

Emerging Opportunities Fund

Small Cap Discovery Fund

Meaning

The Small Cap Discovery Fund is a fund option that invests in small-cap companies that have the potential to grow big and become great giants in the future. They trade at reasonable valuations, making them an attractive source of investment.

Investment Objective

The investment objective of a Small Cap Discovery Fund is to choose fundamentally best-valued small-cap stocks that have a higher growth potential. Nifty small-cap 100 Index has given 14.07% CAGR since inception.

Fund Strategy

The Small Cap Discovery Fund adopts Tata AIA’s holistic approach to investing in small-cap companies with a fundamentally strong early stage in their life cycle, ascertaining a higher growth potential.

Benefits

• Expansive advantage - There are over 4500 small-cap company stocks to select from and invest long-term.

• Exhibit strong growth potential - Small-cap stocks are well-established businesses with a strong track record and greater financials. Although the volatility risk is higher, they have a greater chance of growth. 

• Untapped investment benefits - As these companies are small and often in their early stages of development, they can launch new products or services, experience rapid expansion, capitalise on emerging trends, and provide consistent returns. However, they remain untapped investment opportunities given their early-stage development and lack of experience.

• Life cover - While policyholders invest and grow with these small-cap funds, they can also get the required sum assured to secure their family against unprecedented scenarios that can result in their unexpected death.

Who Should Invest In This Fund?

Small Cap Discover Fund suits people willing to take a higher risk to seek the maximum out of their investment portfolio. These funds give a higher return when the market is bearish and can have a significant downfall when it is bullish. 

NFO Link

Small Cap Discovery Fund