Maintaining some portion of a portfolio
in other equity funds helps ensure capital appreciation over the many years that most retired people will need money.
When CYH was launched in January 2008 it had a yield of almost 9 %, but that year it lost about 41 % — of course, so did a lot
of other equity funds.
3) Asset Allocation: The Asset Allocation Rating informs investors of each fund's level of allocation to cash (non-equities) as well as how that level compares to
other equity funds.
The main point that I am trying to drive here is the decision of whether should I invest in an ELSS or
other equity funds OR should I invest in a retirement fund for the purpose of «RETIREMENT» can not be made just on the basis of just comparing the features of the 2 plans like exit load, lock in period.
Funnybone: See, it is a hybrid fund and yet the size of the equity portion in this Balanced fund is much larger than the combined AUM of
all other equity funds of Tata MF.
These funds typically have lower risk, lower volatility, and less capital gains than
other equity funds and can be combined with a number of other types of mutual funds to tweak the investment objective and adjust the risks and returns.