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Tata AIA Multi Cap Fund - Investment with a Versatile Equity Option

 

Tata AIA Multi Cap Fund

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.

Tata AIA Multi Cap Fund - Investment with a Versatile Equity Option


Tata AIA

Multi Cap Fund
 

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.

Investment Rationale


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. 

Benefits of Tata AIA Multi Cap Fund

These are some of the benefits of the Tata AIA Multi Cap Fund

  • Diversified Investment

    Offers Diversification

    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.

  • Optimal Returns

    Optimal Returns

    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.

  • 5 Star Rating: Recognized Excellence

    5 Star rating

    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.

  • Focus on Capital Growth

    Medium-term to long-term capital appreciation

    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.

Fund Performance of Tata AIA Multi Cap Fund
 

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.

 

Track NAV of Funds


Portfolio of Tata AIA Multi Cap Fund

The major advantages and disadvantages of Tata AIA Multi Cap Fund are as below:
 

  • 01

    Pros

    • The multi-cap fund offers investment opportunities across different market segments

    • The fund is rated 5 Star by Morningstar~

    • The fund can be suitable for investors seeking medium-to-long-term capital growth

    • Equity investors can benefit from a strategically diversified portfolio
  • 02

    Cons

    • The fund may not be suitable for investors not seeking mainly equity investments

    • Variables such as performance, risk and liquidity risk need to be considered by the investor

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%

See All See Less

Featured Investment Products
 


Portfolio of Tata AIA Multi Cap Fund



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

FAQs on Tata AIA Multi Cap Fund

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:
 

  • Since multi-cap funds invest in mid, small, and large-cap equities, they can be riskier than large-cap funds. Hence, investors whose risk tolerance matches the fund's risk profile may find multi-cap funds suitable.
  • Multi-cap funds are meant to be long-term investments as they aim to offer long-term capital appreciation. You may consider a multi-cap fund if you are looking for a long-term investment in equities.
  • Check the past performance of the multi-cap fund you want to invest in. Over the last 5 years, if the fund has performed well and offered steady returns, you can consider investing in it.

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:
 

  • Click here
  • Select year and month to download the fund factsheet
  • View details of all the funds along with their objective and performance

What is the importance of diversifying the investment portfolio?

There are three main benefits of diversifying an investment portfolio:
 

  • Firstly, with a diversified portfolio, your investment portfolio risk will not only be minimised but will also be able to withstand market volatility.
  • Secondly, not all investments and asset classes perform the same at any point in time. A combination of different investments will allow your investment to grow as per the performing asset classes and eliminate the need for constantly monitoring the portfolio.
  • Lastly, many investments grow on the principle of compound interest. When making a long-term investment with a diversified portfolio, all your investments can benefit from the power of compounding and enable optimal returns.

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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Disclaimer

  • 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, 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.
  • IN THIS POLICY, THE INVESTMENT RISK IN INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER
  • 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.
  • The complete name of Tata AIA Fortune Pro is Tata AIA Life Insurance Fortune Pro (UIN: 110L112V04) - Unit Linked Individual Life Insurance Savings Plan.
  • 1Market-linked returns are subject to market risks and terms & conditions of the product. The assumed rate of returns or illustrated amount may not be guaranteed and depends on market fluctuations.
  • +5 year computed NAV for Multi Cap Fund as of September 2022. Other funds are also available in Tata AIA Life Insurance Fortune Pro.
  • $Tax benefits of up to ₹46,800 u/s 80C is calculated at highest tax slab rate of 31.20% (including cess excluding surcharge) on life insurance premium paid of ₹1,50,000. Tax benefits under the policy are subject to conditions laid under Section 80C, 80D,10(10D), 115BAC and other applicable provisions of the Income Tax Act,1961. Good and Service tax and Cess, if any will be charged extra as per prevailing rates. The Tax-Free income is subject to conditions specified under section 10(10D) and other applicable provisions of the Income Tax Act,1961. Tax laws are subject to amendments made thereto from time to time. Please consult your tax advisor for details, before acting on above.
  • ~©2020 Morningstar. All rights reserved. The Morningstar name is a registered trademark of Morningstar, Inc. in India and other jurisdictions. The information contained here: (1) includes the proprietary information of Morningstar, Inc. and its affiliates, including, without limitation, Morningstar India Private Limited (“Morningstar); (2) may not be copied, redistributed or used by any means, in whole or in part, without the prior, written consent of Morningstar; (3) is not warranted to be complete, accurate or timely; and (4) may be drawn from the data published on various dates and procured from various sources and (4) shall not be construed as a n offer to buy or sell any security or other investment vehicle. Neither Morningstar, Inc. nor any of its affiliates (including, without limitation, Morningstar) nor any of their officers, directors, employees, associates or agents shall be responsible or liable for any traducing decisions, damages or other losses resulting directly or indirectly from the information
  • Income Tax benefits would be available as per the prevailing income tax laws, subject to fulfilment of conditions stipulated therein. Income Tax laws are subject to change from time to time. Tata AIA Life Insurance Company Ltd. does not assume responsibility on tax implications mentioned anywhere on this site. Please consult your own tax consultant to know the tax benefits available to youLinked 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.
  • L&C/Advt/2022/Dec/3206
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