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Tata AIA Multi Cap Fund
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 investment goals.
Our Best Selling ULIP plans offering Tata AIA Multi Cap Fund
In this policy, the investment risk in investment portfolio is borne by the policyholder.
Tata AIA
Param Rakshak Pro
Solution Composition
Param Rakshak Pro solution comprises of Tata AIA Smart Sampoorna Raksha Pro, A Unit-linked, Non-participating, Individual Life Insurance Plan (UIN: 110L172V01) and Tata AIA Vitality Protect Plus, A Non-linked, Non-participating, Individual Health Rider (UIN: 110A048V03). Tata AIA Smart Sampoorna Raksha Pro is also available individually for sale.
Tata AIA
Pro-Fit
Solution Composition
Tata AIA Pro-Fit comprises of Tata AIA Smart Health, A Unit-linked, Non-participating, Individual Health Insurance Plan (UIN: 110L168V02), Tata AIA Sampoorna Health, A Non-Linked, Non- Participating Individual Health rider (UIN: 110A167V02) & Tata AIA OPD Care, A Linked, Non-Participating, Individual Health Rider (UIN: 110A166V02). Tata AIA Smart Health is also available individually for sale.
What is the 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.
TATA AIA FUNDS HAVE DELIVERED BENCHMARK BEATING PERFORMANCE |
||||
|
Last 5 Years Returns6 (CAGR) |
Since Inception7 Returns (CAGR) |
||
Tata AIA Funds |
Fund Return (%)6 |
Benchmark Return (%)6 |
Fund Return (%)6 |
Benchmark Return (%)6 |
Multi Cap Fund |
27.80% |
16.10% |
22.64% |
13.78% |
Top 200 Fund |
27.14% |
16.10% |
19.62% |
15.85% |
India Consumption Fund |
26.92% |
16.10% |
21.81% |
13.78% |
6Data as on April 30, 2024. Past performance is not indicative of future performance.
Fund Benchmark: Multi Cap Fund, India Consumption Fund, Top 200 Fund: S&P BSE 200.
7Inception Dates: Top 200 Fund: 12 Jan 2009, Multi Cap Fund: 05 Oct 2015, India Consumption Fund: 05 Oct 2015.
Benefits of Tata AIA Multi Cap Fund
These are some of the benefits of the Tata AIA Multi Cap Fund
-
![Diversified Investment]( "Diversified Investment")
Diversified Investment
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")
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: Recognized Excellence")
Rated 5 Stars
Tata AIA Multi Cap Fund has been rated 5 Star by Morningstar` as of April 30, 2024. A 5-star rating indicates that a fund has been among the market’s top performers in terms of risk-adjusted return.
-
![Focus on Capital Growth]( "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 1 Months |
55.6040 |
10099.58 |
3.52% |
2.67% |
Last 3 Months |
55.4521 |
9768.20 |
3.81% |
6.15% |
Last 6 Months |
45.6215 |
8355.24 |
26.18% |
24.10% |
Last 1 Year |
38.4335 |
7709.45 |
49.77% |
34.50% |
Last 2 Years |
34.7548 |
7485.54 |
28.70% |
17.69% |
Last 3 Years |
28.4547 |
6298.84 |
26.47% |
18.08% |
Last 4 Years |
16.0103 |
4140.41 |
37.70% |
25.80% |
Last 5 Years |
16.8832 |
4915.46 |
27.80% |
16.10% |
Since Inception |
9.9996 |
3426.34 |
22.64% |
13.78% |
Note: The investment income and prices may go down as well as up.“Since Inception” and returns above “1 Year” are calculated as per CAGR.
Track NAV of Funds
Who Should Invest in Tata AIA Multi Cap Fund?
-
01
Long-Term Investors:
Investors with a long-term horizon, typically 5 years or more, who are looking for capital appreciation. -
02
First Time Investors:
This fund is suitable for individuals who are first time investors and looking for diversification. -
03
Diversified Portfolio Seekers:
Investors who are looking to diversify their portfolio across different sectors and market capitalizations without having the worry to manage multiple funds. -
04
Diversified Portfolio Seekers:
Investors who are planning for fulfilling long-term financial goals such as securing one’s retirement, fund their children's education, or buying a home.
Advantages of Investing in Tata AIA Multi Cap Fund
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 appreciation
Equity investors can benefit from a strategically diversified portfolio
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 |
% Of NAV |
Instrument |
% Of NAV |
Equity |
93.17 |
Balkrishna Industries Ltd. |
1.88 |
HDFC Bank Ltd |
7.99 |
Tata Motors Ltd. |
1.85 |
Reliance Industries Ltd. |
5.06 |
Mphasis Ltd. |
1.84 |
Bajaj Finance Ltd |
3.74 |
Sona BLW Precision Forgings Ltd. |
1.79 |
Infosys Ltd. |
3.7 |
Power Finance Corporation Ltd. |
1.71 |
ICICI Bank Ltd. |
3.64 |
Axis Bank Ltd. |
1.68 |
MCX of India Ltd. |
3.31 |
Dalmia Bharat Ltd |
1.63 |
Voltas Ltd. |
2.95 |
Tega Industries Ltd |
1.58 |
Max Financial Services Ltd |
2.76 |
Bharti Airtel Ltd. |
1.57 |
IndusInd Bank Ltd. |
2.59 |
Laurus Labs Ltd |
1.55 |
Delhivery Ltd |
2.48 |
Other Equity |
23.16 |
Interglobe Aviation Ltd |
2.19 |
MMI & Others |
6.83 |
IDFC Bank Ltd. |
2.18 |
Total |
100 |
Avenue Supermarts Ltd. |
2.18 |
|
|
Zomato Ltd |
2.09 |
|
|
Shyam Metalics and Energy Ltd |
2.05 |
|
|
Global Health Ltd |
2.05 |
|
|
Trent Ltd. |
1.96 |
|
|
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Frequently Asked Questions
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 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 switching of funds for a policy year as per policy condition, 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:
- Visit our Fund Fact sheet corner on Tata AIA website
- 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
- 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.
- Tata AIA Multi Cap Fund (SFIN: ULIF 060 15/07/14 MCF 110). Tata AIA Multi Cap Fund is a part of various funds which a policyholder can choose from. For further details on funds, refer to the sales brochure.
- Param Rakshak Pro solution comprises of Tata AIA Smart Sampoorna Raksha Pro, A Unit-linked, Non-participating, Individual Life Insurance Plan (UIN: 110L172V01) and Tata AIA Vitality Protect Plus, A Non-linked, Non-participating, Individual Health Rider (UIN: 110A048V03). Tata AIA Smart Sampoorna Raksha Pro is also available individually for sale.
- Tata AIA Pro-Fit comprises of Tata AIA Smart Health, A Unit-linked, Non-participating, Individual Health Insurance Plan (UIN: 110L168V02), Tata AIA Sampoorna Health, A Non-Linked, Non- Participating Individual Health rider (UIN: 110A167V02) & Tata AIA OPD Care, A Linked, Non-Participating, Individual Health Rider (UIN: 110A166V02). Tata AIA Smart Health is also available individually for sale.
- *5-year computed NAV for Multi Cap Fund as of April 2024. Other funds are also available. Benchmark of this fund is S&P BSE 200.
- +Tata AIA Multi Cap Fund open for new business which has completed 5 years since inception is rated 5 stars by Morningstar on a 5-year basis as of April 30, 2024
- `©2024 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 data published on various dates and procured from various sources and (5) shall not be construed as an 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 trading decisions, damages or other losses resulting directly or indirectly from the information.
- 1All funds open for new business which have completed 5 years since inception are rated 4 or 5 stars by Morningstar on a 5-year basis as of April ’2024
- 2Market-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.
- 3Income Tax benefits would be available as per the prevailing income tax laws, subject to fulfillment of conditions stipulated therein. For ULIP policies, maturity income will be taxable if annual aggregate premium exceeds ₹2.5 Lakh in a financial year. For non ULIP insurance policies, maturity income will be taxable if annual aggregate premium exceeds ₹5 Lakh in a financial year. 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 you.
- 4Under SurgiCash Benefit of the Tata AIA Sampoorna Health Rider, the payouts are offered basis the categories of surgeries: 10% of sum assured up to Rs. 50,000 for day care procedures such as eye cataract, nasal sinus operation, 25% on Category 1 surgeries, like Amputation of foot or hand, 50% on Category 2 surgeries, like knee or hip replacement, 75% on Category 3 surgeries, like Aortic Valve Repair, and 100% on Category 1 surgeries, like CABG. Refer list of surgeries for benefit payouts.
- 5Under CritiCash Benefit of the Tata AIA Sampoorna Health Rider, Benefit payouts for multistage critical illnesses are offered depending on the category of the illness. For minor critical illnesses such as cardiac arrest, angioplasty, Early-stage cancer etc, the payout will be 25% of sum assured up to Rs. 10,00,000/-. For major critical illnesses such as Heart attack, Major head trauma, Parkinson’s disease, Alzheimer’s disease etc., the payout will be 100% of sum assured. For a catastrophic illness like end stage cancer or major organ/bone marrow transplant, the payout will be 150% of sum assured. Refer list of critical illnesses for benefit payouts.
- Tata AIA Life Insurance Company Limited is only the name of the Insurance Company & Tata AIA Smart Sampoorna Raksha Pro and Tata AIA Smart Health 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/2024/Jun/1613
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