Aditya Birla Hybrid Mutual Funds

Aditya Birla Hybrid Mutual Fund creates a balance between risks and rewards, capital growth, and stability. Aditya Birla Hybrid Mutual Fund schemes are further classified into equity and debt hybrid funds. Equities boost your investment, while debt instruments safeguard you against market volatility. One of the prominent advantages you get with Aditya Birla Hybrid Mutual Funds is the diversification of your investment portfolio, as you can invest in various asset classes.

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AUM(in Cr.)
184.64Jun 20, 2024

Investment Objective

The investment objective of the Aditya Birla hybrid mutual fund is to offer a diverse client base with long-term capital growth and liquidity. The scheme's foremost investment objective is to invest in a wide portfolio comprising debt and equity-related assets. The open-ended Aditya Birla hybrid mutual fund scheme aims to balance portfolio diversification and risk.

Risks Involved in Aditya Birla hybrid Mutual Fund 

The major Aditya Birla Hybrid Mutual Fund schemes, i.e. equity and debt, are hinged on consistent returns and capital growth but are still risk-prone. However, investing in hybrid mutual funds is not as risky as investing in the stock market but has certain risks associated with them. Major risks associated with hybrid mutual funds are a variation in interest rates and changes in stock values. As soon as the stock prices fall off compared to the equity ratio, the Aditya Birla Mutual Fund NAV decreases. 

Aditya Birla Hybrid Mutual Fund risk levels usually vary from low to moderate to high based on the allocation of assets. Moreover, investment diversification comes as an advantage in mutual fund investments, but diversification of funds in too many asset classes can be counterproductive. Over-diversifying leads to a dilution of investment returns. Mutual fund performance is somewhat prone to market volatility as most investments go towards equity. Thus, when you try to figure out the best Aditya Birla hybrid mutual funds, remember to consider the risk tolerance factor. 

Return Potential of Aditya Birla Hybrid Mutual Fund

Being one of the five largest NBFCs in India, Aditya Birla Sun Life offers investors the best possible opportunities to reap substantial profits, specifically through debt mutual funds. Funds invested towards equity instruments tend to gain notable capital appreciation. However, the Aditya Birla Hybrid Fund returns may vary based on the market conditions. But, with the presence of a diversified portfolio of investments, the returns are stabilised quickly. The highly experienced, seasoned fund managers have always succeeded in producing impressive returns. 

Who Should Invest in Aditya Birla Hybrid Mutual Fund?

Aditya Birla Hybrid Mutual Funds is a prominent investment instrument for investors looking forward to investing in mutual funds with balanced risk and returns. Individuals who want to invest in different funds with the aim of portfolio diversification should invest in hybrid mutual funds. You get multiple asset classes to invest including debt, equities, commodities, etc. Aditya Birla Hybrid Mutual Funds are perfect for newbies who want to make long-term investments for retirement purposes, wealth generation, and other long-term financial objectives. 

Things To Consider Before Investing in Aditya Birla Hybrid Mutual Funds

While investing in Aditya Birla Hybrid Mutual Funds, you must focus on five pointers. These are expense ratio, exit load, allocation of assets, diversification of risk, fun performance (past five years) and credit quality of the securities. All these things play a major role in determining Aditya Birla Hybrid Fund Returns. Additionally, you must consider risk factors and costs and start investing with adequate financial planning.

Tax on Aditya Birla hybrid Mutual Fund 

Based on the fund's asset class, the Aditya Birla hybrid mutual funds are taxed. 

  1. Hybrid funds that are conservative and invest in equities adhere to the debt fund taxation guideline. Gains are short-term capital gains (STCG) if the investor holds the assets for less than 36 months. The returns will be taxed according to the investor's income tax bracket. The gains will fall in long-term capital gains (LTCG) when the investor holds the assets for more than 36 months. In this case, the returns will be subject to indexation advantages and a 20% tax rate.
  2. Aggressive funds, arbitrage funds, and balanced funds adhere to equity taxation laws. If the assets remain invested for less than a year (STCG), they will be taxed at 15%. Gains under one lakh are tax-free if the investor keeps it for 12 months or longer. The gains will be subject to a 10% tax if the amount surpasses this limit.
  3. In the case of dynamic fund allocation, tax laws are based on asset allocation. Equity taxation will be applicable if all assets are invested towards equity instruments. However, debt taxation standards will be applicable if the funds are invested only towards the debt securities. 

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FAQs About Aditya Birla Hybrid Mutual Fund

How is Aditya Birla Mutual Fund doing?

Aditya Birla Mutual Fund is doing fairly well, with NAV clocking at 1066.440 for Aditya Birla Sun Life Equity Hybrid '95 Fund and 75.970 for Aditya Birla Sun Life Balanced Advantage fund. Additionally, it offers a return potential ranging between 7% to 9% on a 5-year investment tenure.

Is Aditya Birla Mutual Fund Safe?

Yes, Aditya Birla Mutual Funds are safe for investment as they balance potential risks and returns. You get better opportunities to earn significant returns at lower volatility. Investors seeking portfolio diversification can get it done through a single investment instrument.

Is it good to invest in equity funds?

Yes, investing in equity funds is good if you want to invest for a prolonged period. Additionally, you must be prepared to take higher risks while investing in equity funds. However, it is recommended to determine your financial objectives before investing in equity funds.

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