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Tata AIA Multi Cap Fund is one of the many funds under the equity portfolio of Tata AIA Fund Assure. A multi-cap fund invests mainly in the equity and equity related instruments of large-capitalisation, mid-capitalisation, and small-capitalisation companies. When you buy a Tata AIA Life Insurance Unit-Linked Insurance Plan, you can choose to invest in the Tata AIA Multi Cap Fund as per your risk profile and investment goals.
As its primary investment rationale, the Tata AIA Multi Cap Fund aims to generate long-term capital appreciation. The fund does so by investing in a diversified portfolio comprising large-cap, mid-cap and small-cap companies.
The allocation between the large-cap, mid-cap and small-cap firms will be a function of relative valuations between different market-caps.
These are some of the benefits of the Tata AIA Multi Cap Fund
Investing in this fund offers exposure to all market segments. This diversification aids in reducing portfolio risk, which can maximise investor returns. Fund managers are able to explore better investment avenues since they need not rely solely on single market capitalisation.
The Tata AIA Multi Cap Fund has been known to offer optimal returns since its inception. Through the fund performance, investors can gauge and analyse the fund manager’s strategies and the trend of the multi-cap fund.
Tata AIA Multi Cap Fund has been rated 5 Star by Morningstar~ as of 31st Oct’22. A 5-star rating indicates that a fund has been among the market’s top performers in terms of risk-adjusted return over the past three, five or ten-year period. Check on Morningstar~ website here.
This fund aims to generate long-term capital appreciation, which can help investors in two ways. Long-term investment can help an investor brace their investments against market volatility while simultaneously benefiting from the power of compounding.
The below table comprises the fund performance of the Tata AIA Multi Cap Fund since its inception and until the most recent fund review:
Period |
NAV |
S&P BSE 200 |
NAV Change |
INDEX Change |
Last 3 Months |
35.6977 |
7465.40 |
6.78% |
5.17% |
Last 6 Months |
34.7548 |
7485.54 |
9.68% |
4.88% |
Last 1 Year |
34.7665 |
7638.90 |
9.64% |
2.78% |
Last 2 Years |
20.4211 |
4910.04 |
36.62% |
26.45% |
Last 3 Years |
18.0907 |
4983.57 |
28.20% |
16.36% |
Last 4 Years |
15.2828 |
4440.16 |
25.67% |
15.31% |
Last 5 Years |
14.3586 |
4541.26 |
21.56% |
11.57% |
Since Inception |
9.9996 |
3426.34 |
20.82% |
12.43% |
Note: Above details are as of 31st Oct’22.
The major advantages and disadvantages of Tata AIA Multi Cap Fund are as below:
Details of All Funds
Investment Fund |
Fund Objective |
Risk Profile |
Asset Allocation |
Minimum |
Maximum |
Multi Cap Fund (ULIF 060 15/07/14 MCF 110) |
The primary investment objective of the Fund is to generate capital appreciation in the long term by investing in a diversified portfolio of Large Cap and Mid Cap companies The allocation between Large Cap and Mid Cap companies will be largely a function of the relative valuations of Large Cap companies as against Mid Cap companies. |
High |
Equity |
60% |
100% |
High |
Debt Instruments |
0% |
40% |
||
High |
Cash / Money Market Instruments |
0% |
40% |
||
India Consumption Fund (ULIF 061 15/07/14 ICF 110) |
The primary investment objective of the Fund is to generate capital appreciation in the long term by investing in a diversified portfolio of companies which would benefit from India’s Domestic Consumption growth story. The India Consumption Fund could provide an investment opportunity in the theme of rising consumption power in India for long term returns. |
High |
Equity |
60% |
100% |
High |
Debt Instruments |
0% |
40% |
||
High |
Cash / Money Market Instruments |
0% |
40% |
||
Top 50 Fund (ULIF 026 12/01/09 ITF 110) |
The Top 50 Fund will invest primarily in select stocks which are a part of Nifty 50 Index with a focus on generating long term capital appreciation. The Fund will not replicate the index but aim to attain performance better than the performance of the Index. As a defensive strategy arising out of market conditions, the scheme may also invest in debt and money market instruments. Objective: The primary investment objective of the fund is to generate long term capital appreciation by investing in select stocks. |
High |
Equity Instruments |
60% |
100% |
High |
Cash / Money Market Instruments (including CP/CD) |
0% |
40% |
||
Top 200 fund (ULIF 027 12/01/09 ITT 110) |
The Top 200 Fund will invest primarily in select stocks which are a part of BSE 200 Index with a focus on generating long term capital appreciation. The Fund will not replicate the index but aim to attain performance better than the performance of the Index. As a defensive strategy arising out of market conditions, the scheme may also invest in debt and money market instruments. Objective: The primary investment objective of the fund is to generate long term capital appreciation by investing in select stocks. |
High |
Equity Instruments |
60% |
100% |
High |
Cash / Money Market Instruments (including CP/CD) |
0% |
40% |
||
Super Select Equity Fund (ULIF 035 16/10/09 TSS 110) |
The Super Select Equity Fund will invest significant amount in equity and equity linked instruments specifically excluding companies predominantly dealing in Gambling, Lotteries/Contests, Animal Produce, Liquor, Tobacco, Entertainment (Films, TV etc) Hotels, sugar, leather, Banks and Financial Institutions. The risk profile of the fund is high. The cash holding of the Fund will be kept below 40% of the Fund or according to the prevailing regulatory guidelines at each point of time. Objective: The primary investment objective of the fund is to provide income distribution over a period of medium to long term while at all times emphasizing the importance of capital appreciation. |
High |
Equity and Equity linked Instruments |
60% |
100% |
High |
Debt Instruments |
0% |
40% |
||
High |
Cash / Money Market Instruments (including CP/CD) |
0% |
40% |
||
Large Cap Equity Fund (ULIF 017 07/01/08 TLC 110) |
The primary investment objective of the Fund is to generate long - term capital appreciation from a portfolio that is invested pre-dominantly in large cap equity and equity linked securities. |
High |
Equity and Equity linked Instruments |
80% |
100% |
High |
Cash / Money Market Instruments |
0% |
20% |
||
Whole Life Mid Cap Equity Fund (ULIF 009 04/01/07 WLE 110 |
The primary investment objective of the Fund is to generate long term capital appreciation from a portfolio that is invested pre-dominantly in Mid Cap Equity and Mid Cap Equity linked securities. |
High |
Equity and Equity linked Instruments |
60% |
100% |
High |
Cash/ Money Market Instruments |
0% |
40% |
||
Whole Life Aggressive Growth Fund (ULIF 010 04/01/07 WLA 110) |
The primary investment objective of the Fund is to provide higher returns in long term by investing primarily in Equities along with debt/ money market instruments. |
Medium to High |
Equity and Equity Linked instruments |
50% |
80% |
Medium to High |
Debt Instruments |
20% |
50% |
||
Medium to High |
Cash / Money Market Instruments |
0% |
30% |
||
Whole Life Stable Growth Fund (ULIF 011 04/01/07 WLS 110) |
The primary investment objective of the Fund is to provide stable returns by balancing the investment in Equities and debt/ money market instruments. |
Low to Medium |
Equity and Equity Linked instruments |
30% |
50% |
Low to Medium |
Debt Instruments |
50% |
70% |
||
Low to Medium |
Cash / Money Market Instruments |
0% |
20% |
||
Whole Life Income Fund (ULIF 012 04/01/07 WLI 110) |
The primary investment objective of the Fund is to generate income by investing in a range of debt and money market instruments of various maturities with a view to maximizing the optimal balance between yield, safety and liquidity |
Low |
Debt Instruments |
60% |
100% |
Low |
Cash / Money Market Instruments |
0% |
40% |
||
Whole Life Short-Term Fixed Income Fund (ULIF 013 04/01/07 WLF 110) |
The primary investment objective of the Fund is to generate stable returns by investing in fixed income securities having shorter maturity periods. Under normal circumstances, the average maturity of the Fund may be in the range of 1-3 years. |
Low |
Debt Instruments of duration less than 3 years |
60% |
100% |
Low |
Cash / Money Market Instruments |
0% |
40% |
The asset allocation of different companies which make up the portfolio of the Tata AIA Multi Cap Fund are given below:
Instrument |
Percentage of Net Asset Value (NAV) |
Equity |
92.69 |
Reliance Industries Ltd. |
6.34 |
ICICI Bank Ltd. |
4.73 |
Axis Bank Ltd. |
4.40 |
Indusind Bank Ltd. |
3.62 |
Bharti Airtel Ltd. |
3.00 |
Infosys Ltd. |
2.79 |
Deepak Nitrite Ltd |
2.77 |
Tata Motors Ltd. |
2.56 |
HDFC Bank Ltd |
2.43 |
Mahindra and Mahindra Ltd. |
2.35 |
Titan Company Ltd. |
2.24 |
Mahindra & Mahindra Financial Services Ltd. |
2.09 |
Trent Ltd. |
2.06 |
Krishna Institute of Medical Sciences Ltd |
2.01 |
HDFC Ltd. |
2.00 |
Aditya Birla Fashion and Retail Ltd. |
2.00 |
AIA Engineering Ltd. |
1.96 |
Bharat Forge Ltd. |
1.82 |
APL Apollo Tubes Ltd. |
1.79 |
Ajanta Pharma Ltd |
1.77 |
Navin Fluorine International Ltd |
1.73 |
Radico Khaitan Ltd. |
1.69 |
Crompton Greaves Consumer Electricals Ltd |
1.66 |
KPIT Technologies Ltd |
1.63 |
Siemens Ltd. |
1.61 |
Aurobindo Pharma Ltd. |
1.60 |
Ultratech Cement Ltd. |
1.58 |
The Federal Bank Ltd |
1.52 |
LIC Housing Finance |
1.49 |
K.P.R. Mill Ltd |
1.43 |
Other Equity |
22.00 |
MMI & Others |
7.31 |
Total |
100.00 |
What are multi-cap funds?
A multi-cap fund invests in large-cap, mid-cap and small-cap companies, which enables diversification in its portfolios across all market capitalisations.
Are multi-cap funds safe?
Multi-cap funds invest about 75% of their assets in equities. If investing in multi-cap funds, ensure that your risk profile matches the portfolio risk.
Who should invest in a multi-cap fund?
Investors seeking long-term capital appreciation through investment in equities and wanting to invest in large-cap, mid-cap and small-cap companies can choose a multi-cap fund. One should also select a multi-cap fund if their capacity for risk matches the risk profile of the multi-cap fund.
Which is better, large-cap or multi-cap?
The choice between a large-cap or multi-cap fund will depend on the investor’s risk profile. An investment in a large-cap fund is considered less risky than a multi-cap fund investment. However, multi-cap funds allow greater diversification across market capitalisations and help generate long-term capital appreciation.
How do I choose a multi-cap fund?
These are the following points to consider while choosing a multi-cap fund:
What is the fund switch facility?
The fund switch facility provided in Tata AIA Life Insurance ULIPs allow the investor to switch from one fund to another if the existing choice of funds does not meet the investor’s expectations.
Tata AIA Life Insurance offers up to 12 free switches for a policy year, during which the investor can move to other funds as and when needed.
How to check the fund NAV?
You can check our funds’ Net Asset Value (NAV) here. This is important for ULIP policyholders who have selected certain funds to invest in under their policy.
Just select the name of the fund and the time period to view the daily NAV. For instance, if you have invested in the Tata AIA Multicap Fund, you can select Tata AIA Multicap Fund in the dropdown.
What is the right time to buy a ULIP?
You can buy a ULIP when you have the financial capacity to start an investment and know how investments work. Since ULIPs combine life insurance and investment under the same policy, it is also advisable to purchase the policy in your 20s or early 30s so that the premium cost is reasonable and affordable. As you grow older, the premium amount will also increase.
How much can I invest in a ULIP?
The amount you want to invest in your ULIP will depend on your financial capacity, investment goals, and risk capacity. You can either pay the minimum annualised premium or choose an amount up to the maximum annualised premium limit as per your choice.
Where can I check my policy fund value?
If you have a Unit Linked Insurance Plan (ULIP) with Tata AIA Life Insurance, you can check the fund value by logging in to My DigiAccount. Click here.
Where can I check the other funds of Tata AIA Life Insurance?
Follow below steps:
What is the importance of diversifying the investment portfolio?
There are three main benefits of diversifying an investment portfolio:
What does asset allocation mean?
As an investment strategy, asset allocation distributes the funds of a portfolio in different proportions into various asset classes. This is done to balance or maintain the risk profile of the investment.
Suppose an investment portfolio is being realigned as per an investor’s risk profile, investment goals and investment horizon. In that case, the asset allocation across different asset classes will be carried out to match the investor’s needs. Some may need to invest more in equities, while others may opt for greater asset allocation in debt instruments.
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