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What is Dynamic Advantage Fund?
 

Dynamic Advantage Fund is a Dynamic Asset Allocation Fund, that will allow ULIP plan holders to invest in a mix of equities and debt, that too in a dynamic manner, offering you the best of both worlds. If you are a first time equity investor, and are looking for a capital appreciation plan that comes with a safety net, this new fund offer is ideal for you.

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What Makes TATA AIA’s Dynamic Advantage Fund Special?
 

At Tata AIA, we offer dynamic and holistic solutions that combine the benefits of Life Insurance Cover with the opportunity for Wealth Creation.

  • 01

    About Dynamic Advantage Fund

    The fund aims to invest “dynamically” in a diversified portfolio of equity and debt instruments to maximize the optimal balance between yield, safety, and liquidity. Dynamic Advantage Fund combines the “growth” benefits of equity investments with the “safety” of debt investments. Policyholders benefit from stable returns generated through fixed-income debt instruments and capital appreciation from equity investments.
     
  • 02

    Investment Objective

    The primary investment objective of the fund is to offer long-term capital growth while minimizing volatility risk by investing in a dynamically balanced portfolio of equity and debt instruments. The fund provides a debt cushion to battle the volatility of equity markets and helps the policyholders to participate in the growth of the Indian economy.
     
  • 03

    Fund Strategy

    Dynamic Advantage Fund will adopt TATA AIA’s dynamic investment approach that helps the policyholders to capitalize on a bull run of the market creating long-term wealth as well as manage the downside at the time of a market correction thus generating superior market-linked and risk-adjusted returns.
     
  • 04

    Who should invest in this fund

    The fund is suitable for policyholders who are seeking benefits of life insurance cover along with return potential with investments in the equity market while limiting their losses in case of a falling market with fixed-income and debt instruments.
     


TATA AIA has delivered benchmark beating performance across funds

 

  Last 5 Years Returns Since Inception** Returns
Tata AIA Funds Fund
Return (%)
Benchmark
Return (%)
Fund
Return (%)
Benchmark
Return (%)
Whole Life Mid Cap Equity Fund 11.97% 8.89% 14.09% 11.67%
Multi Cap Fund 19.57% 9.87% 19.25% 10.86%
Whole Life Aggressive Growth Fund 12.26% 9.38% 11.54% 8.71%


Data as on February 28, 2023. Past performance is not indicative of future performance.

  • **Inception Date: Whole Life Mid Cap Equity Fund – January 10, 2007; Multi Cap Fund – October 05, 2015; Whole Life Aggressive Growth Fund - January 12, 2007.
  • Fund Benchmark: Whole Life Midcap Equity Fund - Nifty Midcap 100; Multi Cap Fund – S&P BSE 200; Whole Life Aggressive Growth Fund - 65% Nifty 50 + 35% CRISIL Composite Bond Fund
    Index. SFIN: Whole Life Midcap Equity Fund - ULIF 009 04/01/07 WLE 110; Multi Cap Fund – ULIF 060 15/07/14 MCF 110; Whole Life Aggressive Growth Fund - ULIF 010 04/01/07 WLA 110.
  • Nifty Indices are independent of Tata AIA Life Insurance
  •  


A fund with Growth potential of Equities
and Safety of Debt to ride the Market Fluctuations with ease
 


Why Dynamic Advantage Fund?
 

  • Growth

    The equity component aims to generate long-term returns that have the potential to beat inflation.

  • Safety

    Proactive asset allocation between equity and debt based on different market conditions maximizes returns for the policyholder while minimizing risk.

  • Stability

    The debt component helps reduce overall portfolio risk by limiting losses during market corrections.

  • Flexibility

    The fund offers flexibility to invest across market capitalizations thereby allowing policyholders to take advantage of a diversified and balanced portfolio.

Solution Composition

  • Param Rakshak solution comprises of Tata AIA Life Insurance Smart Sampoorna Raksha - A Unit-linked, Non-participating, Individual Life Plan for Savings and Protection (UIN:110L156V02) and Tata AIA Vitality Protect Plus - A Non-linked, Non-participating, Individual Health Rider (UIN: 110A048V01)
  • Param Rakshak Plus solution comprises of Tata AIA Life Insurance Smart Sampoorna Raksha, A Unit-linked, Non-participating, Individual Life Insurance Plan for Savings and Protection (UIN:110L156V02), Tata AIA Vitality Protect Plus, A Non-Linked, Non- Participating Individual Health rider (UIN: 110A048V01) and Tata AIA Vitality Health Plus, A Non-linked, Non-participating, Individual Health Rider (UIN: 110A047V01)
  • Capital Guarantee* Solution is designed for combination of benefits of two individual and separate products named (1) Tata AIA Life Insurance Smart Income Plus (Non-Linked, Non-Participating Individual Life Insurance Savings Plan) - UIN: 110N126V04 and (2) Tata AIA Life Insurance Wealth Pro (Unit Linked, Individual Life Insurance Savings Plan) - UIN: 110L111V03 or Tata AIA Life Insurance Fortune Pro (Unit Linked, Individual Life Insurance Savings Plan) UIN: 110L112V04. These products are also available for sale individually without the combination offered/ suggested. This benefits illustration is the arithmetic combination and chronological listing of combined benefits of individual products. The customer is advised to refer the detailed sales brochure of respective individual products mentioned herein before concluding sale.
  • Tata AIA Life Insurance Param Rakshak II solution comprises of Tata AIA Life Insurance Smart Sampoorna Raksha, A Unit-linked, Non-participating, Individual Life Insurance Plan for Savings and Protection (UIN:110L156V02), Tata AIA Vitality Protect Plus, Non-participating, Individual Health Rider (UIN: 110A048V01) and Tata AIA Vitality Health Plus, A Non-linked, Non-participating, Individual Health Rider (UIN: 110A047V01). Tata AIA Life Insurance Smart Sampoorna Raksha is also available individually for sale.
  • Param Rakshak III solution comprises of Tata AIA Life Insurance Smart Sampoorna Raksha, A Unit-linked, Non-participating, Individual Life Insurance Plan for Savings and Protection (UIN: 110L156V02) and Tata AIA Vitality Protect Plus, A Non-linked, Non-participating, Individual Health Rider (UIN: 110A048V01)
  • The full name of Tata AIA Smart Sampoorna Raksha Plus is Tata AIA Life Insurance Smart Sampoorna Raksha Plus. This solution comprises of Tata AIA Life Insurance Smart Sampoorna Raksha, A Unit-linked, Non-participating, Individual Life Insurance Plan for Savings and Protection (UIN:110L156V02), Tata AIA Vitality Protect Plus, A Non-linked, Non-participating, Individual Health Rider (UIN: 110A048V01).

Disclaimers

  • THE LINKED INSURANCE PRODUCT DO NOT OFFER ANY LIQUIDITY DURING THE FIRST FIVE YEARS OF THE CONTRACT. THE POLICY HOLDER WILL NOT BE ABLE TO SURRENDER/WITHDRAW THE MONIES INVESTED IN LINKED INSURANCE PRODUCTS COMPLETELY OR PARTIALLY TILL THE END OF THE FIFTH YEAR.
  • Dynamic Advantage Fund is part of a various funds which a policyholder can choose from. For further details on funds refer the sales brochure.
  • The complete name of Tata AIA Fortune Pro is Tata AIA Life Insurance Fortune Pro (UIN: 110L112V04) - Unit Linked Individual Life Insurance Savings Plan.
  • The complete name of Tata AIA Fortune Maxima is Tata AIA Life Insurance Fortune Maxima - Non-Participating, Unit Linked, Whole Life Individual Savings Plan (UIN: 110L113V05)
  • The complete name of Tata AIA Wealth Pro is Tata AIA Life Insurance Wealth Pro (UIN: 110L111V03) - Unit Linked, Individual Life Insurance Savings Plan
  • The full name of Tata AIA Wealth Maxima is Tata AIA Life Insurance Wealth Maxima - Unit Linked Whole Life Individual Savings Plan (UIN:110L114V03)
  • The full name of Tata AIA Smart Sampoorna Raksha is Tata AIA Life Insurance Smart Sampoorna Raksha - Unit-linked, Non-participating, Individual Life Insurance Plan for Savings and Protection (UIN: 110L156V02)
  • Emerging Opportunities Fund (SFIN. ULIF 064 12/09/22 EOF 110)1 TATA AIA Life Sustainable Equity Fund (SFIN: ULFI 065 12/09/22 ESG 110)1 Dynamic Advantage
  • Fund (SFIN ULIF 066 12/09/22 DAF 110) Smart Sampoorna Raksha plan in isolation is also available for sale
  • Linked Insurance Products do not offer any liquidity during the first five years of the contract. The policy holder will not be able to surrender/ withdraw the monies invested in Linked Insurance Products completely or partially till the end of the fifth year.
  • Tata AIA Life Insurance Company Limited is only the name of the Insurance Company & Tata AIA Life Insurance Fortune Pro is only the name of the Unit Linked Life Insurance contract and does not in any way indicate the quality of the contract, its future prospects or returns
  • The fund is managed by Tata AIA Life Insurance Company Ltd.
  • For more details on risk factors, terms and conditions please read Sales Brochure carefully before concluding a sale. The precise terms and condition of this plan are specified in the Policy Contract.
  • Past performance is not indicative of future performance. Returns are calculated on an absolute basis for a period of less than (or equal to) a year, with reinvestment of dividends (if any).
  • Investments are subject to market risks. The Company does not guarantee any assured returns. The investment income and price may go down as well as up depending on several factors influencing the market.
  • Please make your own independent decision after consulting your financial or other professional advisor
  • Unit Linked Life Insurance products are different from the traditional insurance products and are subject to the risk factors. Please know the associated risks and the applicable charges, from your Insurance Agent or Intermediary or Policy Document issued by the Insurance Company.
  • Various funds offered under this contract are the names of the funds and do not in any way indicate the quality of these plans, their future prospects and returns. The underlying Fund's NAV will be affected by interest rates and the performance of the underlying stocks.
  • The performance of the managed portfolios and funds is not guaranteed, and the value may increase or decrease in accordance with the future experience of the managed portfolios and funds.
  • Premium paid in the Unit Linked Life Insurance Policies are subject to investment risks associated with capital markets and the NAVs of the units may go up or down based on the performance of fund and factors influencing the capital market and the Insured is responsible for his/her decisions.
  • Please know the associated risks and the applicable charges, from your insurance agent or the Intermediary or policy document issued by the Insurance Company.
  • Insurance cover is available under the product.
  • The products are underwritten by Tata AIA Life Insurance Company Ltd.
  • The plans are not a guaranteed issuance plan, and it will be subject to Company’s underwriting and acceptance.
  • For more details on risk factors, terms and conditions please read sales brochure carefully before concluding a sale.
  • The fund is managed by Tata AIA Life Insurance Company Ltd. (hereinafter the “Company”).
  • Past performance is not indicative of future performance. Returns are calculated on an absolute basis for a period of less than (or equal to) a year, with reinvestment of dividends (if any).
  • The Company does not guarantee any assured returns. The investment income and price may go down as well as up depending on several factors influencing the market.
  • All Premiums, Charges, and interest payable under the policy are exclusive of applicable taxes, duties, surcharge, cesses or levies which will be entirely borne/ paid by the Policyholder, in addition to the payment of such Premium, charges or interest. Tata AIA Life shall have the right to claim, deduct, adjust and recover the amount of any applicable tax or imposition, levied by any statutory or administrative body, from the benefits payable under the Policy.
  • L&C/Advt/2023/Mar/0975
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