5 બેસ્ટ પરફોર્મિંગ મલ્ટી એસેટ એલોકેશન ફંડ 2022

Updated on October 29, 2025 , 42720 views

એક કીરોકાણના ફાયદા બહુમાંએસેટ ફાળવણી ફંડ એ છે કે તે તમારા પોર્ટફોલિયોમાં સારી વૈવિધ્યતા આપે છે, આમ રોકાણનું જોખમ ઓછું કરે છે. વધુમાં, જોખમ જોખમી અને બિન-જોખમી બંને સિક્યોરિટીઝ સાથે વહેંચવામાં આવે છે.

મલ્ટી એસેટ એલોકેશન ફંડ એ હાઇબ્રિડ કેટેગરીનો એક ભાગ છે. આ સ્કીમની ખાસ વાત એ છે કે ફંડ ત્રણ એસેટ ક્લાસમાં રોકાણ કરી શકે છે. આનો અર્થ એ છે કે મલ્ટી એસેટ એલોકેશન ડેટ, ઇક્વિટી અને વધુ એક એસેટ ક્લાસમાં રોકાણ કરી શકે છે. ધોરણો મુજબ, ફંડે દરેક એસેટ ક્લાસમાં ઓછામાં ઓછા 10 ટકા રોકાણ કરવું જોઈએ. ચાલો 2022 - 2023 માં રોકાણ કરવા માટે કેટલાક શ્રેષ્ઠ પ્રદર્શન કરતા મલ્ટી એસેટ એલોકેશન ફંડ્સ દ્વારા અનુસરતા ફંડ વિશે જાણીએ.

મલ્ટી એસેટ એલોકેશન ફંડ્સ: એક વિહંગાવલોકન

ભારતમાંબજાર, કેટલાક ફંડ હાઉસ ડેટ, ઇક્વિટી તેમજ સોનામાં મલ્ટિ-એસેટનું રોકાણ કરે છે. જ્યારે, પશ્ચિમી બજારોમાં, મલ્ટિ-એસેટ ફંડ્સ ડેટ, રિયલ એસ્ટેટ, સોનું, કોમોડિટી, ઇક્વિટી, સહિતની સંપત્તિઓમાં રોકાણ કરે છે.હેજ ફંડ, અને ખાનગી ઇક્વિટી. એવું માનવામાં આવે છે કે તે સમય દરમિયાન કેટલાક એસેટ ક્લાસ ઉપર અને નીચે જાય છે, વિવિધ એસેટ ક્લાસ સારી કામગીરી કરી શકે છે. ત્યાં એક સમયગાળો હોઈ શકે છે જ્યાં દેવા સારી રીતે કરશે, અને ત્યાં એક સમય હોઈ શકે છેઇક્વિટી આઉટપરફોર્મ કરશે. તે જ ગોલ્ડ ફંડ્સ માટે જાય છે. તેથી, આ પ્રકારના ફંડમાં નુકસાનની શક્યતા ખૂબ જ ઓછી હોય છે. મલ્ટી એસેટ એલોકેશન ફંડમાં રોકાણ કરવાની શ્રેષ્ઠ રીત એ છે કે લાંબા ગાળા માટે રોકાણ કરવું.

આમ, આ ફંડ્સ રૂઢિચુસ્ત રોકાણકારો માટે સારો વિકલ્પ બની શકે છે જેઓ રોકાણમાં ઊંચું જોખમ લેવા માંગતા નથી, છતાં તેમના પોર્ટફોલિયોમાં ઇક્વિટી એક્સપોઝર ઇચ્છે છે.

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ટોચના 5 શ્રેષ્ઠ મલ્ટી એસેટ ફાળવણી ફંડ નાણાકીય વર્ષ 22 - 23

Fund	NAV	Net Assets (Cr)	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
ICICI Prudential Multi-Asset Fund Growth	₹800.599 ↓ -3.27	₹64,770	5.9	9.2	12.7	19.9	25.6	16.1
UTI Multi Asset Fund Growth	₹77.3804 ↓ -0.19	₹5,941	4.8	7.7	8.3	19.7	16.2	20.7
SBI Multi Asset Allocation Fund Growth	₹62.8161 ↓ -0.18	₹10,262	5.9	11.2	11.8	17.6	15.5	12.8
Edelweiss Multi Asset Allocation Fund Growth	₹64.82 ↓ -0.23	₹3,045	2.5	6.3	6.6	17	19.9	20.2
HDFC Multi-Asset Fund Growth	₹74.475 ↓ -0.17	₹4,715	4.4	7.2	10	14.8	15.9	13.5
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 30 Oct 25

Research Highlights & Commentary of 5 Funds showcased

Commentary	ICICI Prudential Multi-Asset Fund	UTI Multi Asset Fund	SBI Multi Asset Allocation Fund	Edelweiss Multi Asset Allocation Fund	HDFC Multi-Asset Fund
Point 1	Highest AUM (₹64,770 Cr).	Lower mid AUM (₹5,941 Cr).	Upper mid AUM (₹10,262 Cr).	Bottom quartile AUM (₹3,045 Cr).	Bottom quartile AUM (₹4,715 Cr).
Point 2	Oldest track record among peers (23 yrs).	Established history (17+ yrs).	Established history (19+ yrs).	Established history (16+ yrs).	Established history (20+ yrs).
Point 3	Rating: 2★ (lower mid).	Rating: 1★ (bottom quartile).	Top rated.	Rating: 1★ (bottom quartile).	Rating: 3★ (upper mid).
Point 4	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderate.	Risk profile: Moderately High.	Risk profile: Moderate.
Point 5	5Y return: 25.61% (top quartile).	5Y return: 16.21% (lower mid).	5Y return: 15.55% (bottom quartile).	5Y return: 19.94% (upper mid).	5Y return: 15.88% (bottom quartile).
Point 6	3Y return: 19.92% (top quartile).	3Y return: 19.71% (upper mid).	3Y return: 17.65% (lower mid).	3Y return: 16.96% (bottom quartile).	3Y return: 14.79% (bottom quartile).
Point 7	1Y return: 12.73% (top quartile).	1Y return: 8.26% (bottom quartile).	1Y return: 11.82% (upper mid).	1Y return: 6.59% (bottom quartile).	1Y return: 10.00% (lower mid).
Point 8	1M return: 3.31% (upper mid).	1M return: 4.05% (top quartile).	1M return: 3.12% (lower mid).	1M return: 2.76% (bottom quartile).	1M return: 2.50% (bottom quartile).
Point 9	Alpha: 0.00 (upper mid).	Alpha: 0.00 (lower mid).	Alpha: 0.00 (bottom quartile).	Alpha: 0.96 (top quartile).	Alpha: 0.00 (bottom quartile).
Point 10	Sharpe: 0.08 (top quartile).	Sharpe: -0.52 (bottom quartile).	Sharpe: -0.10 (upper mid).	Sharpe: -0.50 (bottom quartile).	Sharpe: -0.16 (lower mid).

ICICI Prudential Multi-Asset Fund

Highest AUM (₹64,770 Cr).
Oldest track record among peers (23 yrs).
Rating: 2★ (lower mid).
Risk profile: Moderately High.
5Y return: 25.61% (top quartile).
3Y return: 19.92% (top quartile).
1Y return: 12.73% (top quartile).
1M return: 3.31% (upper mid).
Alpha: 0.00 (upper mid).
Sharpe: 0.08 (top quartile).

UTI Multi Asset Fund

Lower mid AUM (₹5,941 Cr).
Established history (17+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 16.21% (lower mid).
3Y return: 19.71% (upper mid).
1Y return: 8.26% (bottom quartile).
1M return: 4.05% (top quartile).
Alpha: 0.00 (lower mid).
Sharpe: -0.52 (bottom quartile).

SBI Multi Asset Allocation Fund

Upper mid AUM (₹10,262 Cr).
Established history (19+ yrs).
Top rated.
Risk profile: Moderate.
5Y return: 15.55% (bottom quartile).
3Y return: 17.65% (lower mid).
1Y return: 11.82% (upper mid).
1M return: 3.12% (lower mid).
Alpha: 0.00 (bottom quartile).
Sharpe: -0.10 (upper mid).

Edelweiss Multi Asset Allocation Fund

Bottom quartile AUM (₹3,045 Cr).
Established history (16+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 19.94% (upper mid).
3Y return: 16.96% (bottom quartile).
1Y return: 6.59% (bottom quartile).
1M return: 2.76% (bottom quartile).
Alpha: 0.96 (top quartile).
Sharpe: -0.50 (bottom quartile).

HDFC Multi-Asset Fund

Bottom quartile AUM (₹4,715 Cr).
Established history (20+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderate.
5Y return: 15.88% (bottom quartile).
3Y return: 14.79% (bottom quartile).
1Y return: 10.00% (lower mid).
1M return: 2.50% (bottom quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: -0.16 (lower mid).

*ઉપર શ્રેષ્ઠની યાદી છેમલ્ટી એસેટ ફાળવણી ઉપર AUM/નેટ અસ્કયામતો ધરાવતાં ભંડોળ100 કરોડ. પર છટણીછેલ્લું 3 વર્ષનું વળતર.

1. ICICI Prudential Multi-Asset Fund

(Erstwhile ICICI Prudential Dynamic Plan)

To generate capital appreciation by actively investing in equity and equity related securities. For defensive considerations, the Scheme may invest in debt, money market instruments and derivatives. The investment manager will have the discretion to take aggressive asset calls i.e. by staying 100% invested in equity market/equity related instruments at a given point of time and 0% at another, in which case, the fund may be invested in debt related instruments at its discretion. The AMC may choose to churn the portfolio of the Scheme in order to achieve the investment objective. The Scheme is suitable for investors seeking high returns and for those who are willing to take commensurate risks.

Research Highlights for ICICI Prudential Multi-Asset Fund

Highest AUM (₹64,770 Cr).
Oldest track record among peers (23 yrs).
Rating: 2★ (lower mid).
Risk profile: Moderately High.
5Y return: 25.61% (top quartile).
3Y return: 19.92% (top quartile).
1Y return: 12.73% (top quartile).
1M return: 3.31% (upper mid).
Alpha: 0.00 (upper mid).
Sharpe: 0.08 (top quartile).
Information ratio: 0.00 (upper mid).
Top sector: Financial Services.
Higher exposure to Cash Equivalent (bond sector) vs peer median.
Conservative stance with elevated cash (~22%).
High-quality debt (AAA/AA ~95%).
Largest holding Gold (1 Kg-1000 Gms) Commodity December 2025 Future (~4.1%).

Below is the key information for ICICI Prudential Multi-Asset Fund

ICICI Prudential Multi-Asset Fund Growth
Launch Date	31 Oct 02
NAV (30 Oct 25)	₹800.599 ↓ -3.27 (-0.41 %)
Net Assets (Cr)	₹64,770 on 31 Aug 25
Category	Hybrid - Multi Asset
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆
Risk	Moderately High
Expense Ratio	1.47
Sharpe Ratio	0.08
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	100
Exit Load	0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Oct 20	₹10,000
31 Oct 21	₹16,196
31 Oct 22	₹18,209
31 Oct 23	₹21,301
31 Oct 24	₹27,646

ICICI Prudential Multi-Asset Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹570,326.
Net Profit of ₹270,326 Invest Now

Returns for ICICI Prudential Multi-Asset Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 30 Oct 25

Duration	Returns
1 Month	3.3%
3 Month	5.9%
6 Month	9.2%
1 Year	12.7%
3 Year	19.9%
5 Year	25.6%
10 Year
15 Year
Since launch	21%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	16.1%
2023	24.1%
2022	16.8%
2021	34.7%
2020	9.9%
2019	7.7%
2018	-2.2%
2017	28.2%
2016	12.5%
2015	-1.4%

Fund Manager information for ICICI Prudential Multi-Asset Fund

Name	Since	Tenure
Sankaran Naren	1 Feb 12	13.67 Yr.
Manish Banthia	22 Jan 24	1.69 Yr.
Ihab Dalwai	3 Jun 17	8.33 Yr.
Akhil Kakkar	22 Jan 24	1.69 Yr.
Sri Sharma	30 Apr 21	4.42 Yr.
Gaurav Chikane	2 Aug 21	4.17 Yr.
Sharmila D’mello	31 Jul 22	3.17 Yr.
Masoomi Jhurmarvala	4 Nov 24	0.91 Yr.

Data below for ICICI Prudential Multi-Asset Fund as on 31 Aug 25

Asset Allocation

Asset Class	Value
Cash	22.2%
Equity	57.25%
Debt	10.03%
Other	10.52%

Equity Sector Allocation

Sector	Value
Financial Services	17.95%
Consumer Cyclical	8.86%
Basic Materials	7.33%
Industrials	6.15%
Energy	6.04%
Technology	5.84%
Health Care	4.53%
Consumer Defensive	4.5%
Communication Services	2.8%
Utility	2.25%
Real Estate	1.66%

Debt Sector Allocation

Sector	Value
Cash Equivalent	18.67%
Government	7.94%
Corporate	5.62%

Credit Quality

Rating	Value
A	1.3%
AA	16.74%
AAA	78.67%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Gold (1 Kg-1000 Gms) Commodity December 2025 Future Others \| -	4%	₹2,767 Cr	2,360 ↑ 2,360
Reliance Industries Ltd (Energy) Equity, Since 31 Dec 20 \| RELIANCE	4%	₹2,399 Cr	17,590,305 ↑ 1,000,000
ICICI Pru Gold ETF - \| -	3%	₹2,236 Cr	224,590,882
ICICI Bank Ltd (Financial Services) Equity, Since 31 May 06 \| ICICIBANK	3%	₹2,156 Cr	15,996,800
Axis Bank Ltd (Financial Services) Equity, Since 31 Dec 20 \| 532215	3%	₹1,957 Cr	17,293,581 ↓ -312,500
Infosys Ltd (Technology) Equity, Since 31 Oct 19 \| INFY	2%	₹1,616 Cr	11,209,213 ↑ 2,139,229
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Nov 19 \| LT	2%	₹1,598 Cr	4,367,092 ↓ -280,000
Maruti Suzuki India Ltd (Consumer Cyclical) Equity, Since 31 Aug 21 \| MARUTI	2%	₹1,527 Cr	952,730 ↓ -360,400
HDFC Bank Ltd (Financial Services) Equity, Since 31 Jan 22 \| HDFCBANK	2%	₹1,493 Cr	15,702,364 ↑ 909,566
ICICI Prudential Silver ETF - \| -	2%	₹1,402 Cr	98,749,075 ↓ -55,382,267

2. UTI Multi Asset Fund

(Erstwhile UTI Wealth Builder Fund)

The objective of the Scheme is to achieve long term capital appreciation by investing predominantly in a diversified portfolio of equity and equity related instruments along with investments in Gold ETFs and Debt and Money Market Instruments. However, there can be no assurance that the investment objective of the Scheme will be achieved.

Research Highlights for UTI Multi Asset Fund

Lower mid AUM (₹5,941 Cr).
Established history (17+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 16.21% (lower mid).
3Y return: 19.71% (upper mid).
1Y return: 8.26% (bottom quartile).
1M return: 4.05% (top quartile).
Alpha: 0.00 (lower mid).
Sharpe: -0.52 (bottom quartile).
Information ratio: 0.00 (lower mid).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~68%).
High-quality debt (AAA/AA ~100%).
Largest holding UTI Gold ETF (~12.3%).

Below is the key information for UTI Multi Asset Fund

UTI Multi Asset Fund Growth
Launch Date	21 Oct 08
NAV (31 Oct 25)	₹77.3804 ↓ -0.19 (-0.24 %)
Net Assets (Cr)	₹5,941 on 31 Aug 25
Category	Hybrid - Multi Asset
AMC	UTI Asset Management Company Ltd
Rating	☆
Risk	Moderately High
Expense Ratio	1.79
Sharpe Ratio	-0.52
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	0-12 Months (1%),12 Months and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Oct 20	₹10,000
31 Oct 21	₹12,073
31 Oct 22	₹12,357
31 Oct 23	₹14,384
31 Oct 24	₹19,580

UTI Multi Asset Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹458,689.
Net Profit of ₹158,689 Invest Now

Returns for UTI Multi Asset Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 30 Oct 25

Duration	Returns
1 Month	4%
3 Month	4.8%
6 Month	7.7%
1 Year	8.3%
3 Year	19.7%
5 Year	16.2%
10 Year
15 Year
Since launch	12.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	20.7%
2023	29.1%
2022	4.4%
2021	11.8%
2020	13.1%
2019	3.9%
2018	-0.5%
2017	17.1%
2016	7.3%
2015	-3.7%

Fund Manager information for UTI Multi Asset Fund

Name	Since	Tenure
Sharwan Kumar Goyal	12 Nov 21	3.89 Yr.
Jaydeep Bhowal	1 Oct 24	1 Yr.

Data below for UTI Multi Asset Fund as on 31 Aug 25

Asset Allocation

Asset Class	Value
Cash	8.59%
Equity	68.48%
Debt	10.76%
Other	12.17%

Equity Sector Allocation

Sector	Value
Financial Services	15.55%
Technology	12.08%
Consumer Defensive	9.09%
Health Care	7.17%
Basic Materials	7.11%
Consumer Cyclical	4.87%
Industrials	3.27%
Real Estate	3.15%
Communication Services	3.09%
Energy	2.88%
Utility	0.04%

Debt Sector Allocation

Sector	Value
Cash Equivalent	8.56%
Government	7.81%
Corporate	2.98%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
UTI Gold ETF - \| -	12%	₹749 Cr	76,977,316
ICICI Bank Ltd (Financial Services) Equity, Since 29 Feb 24 \| ICICIBANK	3%	₹208 Cr	1,545,991 ↓ -29,029
Bharti Airtel Ltd (Communication Services) Equity, Since 30 Apr 24 \| BHARTIARTL	3%	₹189 Cr	1,004,792 ↑ 25,809
ITC Ltd (Consumer Defensive) Equity, Since 31 Oct 22 \| ITC	3%	₹160 Cr	3,973,216 ↑ 592,526
HDFC Bank Ltd (Financial Services) Equity, Since 30 Apr 25 \| HDFCBANK	2%	₹149 Cr	1,571,082 ↑ 518
Infosys Ltd (Technology) Equity, Since 31 Mar 24 \| INFY	2%	₹147 Cr	1,016,194 ↑ 61,972
Bajaj Finserv Ltd (Financial Services) Equity, Since 29 Feb 24 \| 532978	2%	₹140 Cr	700,240 ↑ 133,471
HCL Technologies Ltd (Technology) Equity, Since 31 Oct 24 \| HCLTECH	2%	₹132 Cr	951,398 ↑ 72,246
Sun Pharmaceuticals Industries Ltd (Healthcare) Equity, Since 29 Feb 24 \| SUNPHARMA	2%	₹129 Cr	811,981 ↓ -37,173
Tata Consultancy Services Ltd (Technology) Equity, Since 29 Feb 24 \| TCS	2%	₹124 Cr	430,486 ↑ 37,386

3. SBI Multi Asset Allocation Fund

(Erstwhile SBI Magnum Monthly Income Plan Floater)

To provide regular income, liquidity and attractive returns to investors in addition to mitigating the impact of interest rate risk through an actively managed portfolio of floating rate and fixed rate debt instruments, equity, money market instruments and derivatives.

Research Highlights for SBI Multi Asset Allocation Fund

Upper mid AUM (₹10,262 Cr).
Established history (19+ yrs).
Top rated.
Risk profile: Moderate.
5Y return: 15.55% (bottom quartile).
3Y return: 17.65% (lower mid).
1Y return: 11.82% (upper mid).
1M return: 3.12% (lower mid).
Alpha: 0.00 (bottom quartile).
Sharpe: -0.10 (upper mid).
Information ratio: 0.00 (bottom quartile).
Top sector: Financial Services.
Higher exposure to Corporate (bond sector) vs peer median.
High-quality debt (AAA/AA ~95%).
Largest holding SBI Silver ETF (~7.3%).

Below is the key information for SBI Multi Asset Allocation Fund

SBI Multi Asset Allocation Fund Growth
Launch Date	21 Dec 05
NAV (31 Oct 25)	₹62.8161 ↓ -0.18 (-0.28 %)
Net Assets (Cr)	₹10,262 on 15 Sep 25
Category	Hybrid - Multi Asset
AMC	SBI Funds Management Private Limited
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	1.46
Sharpe Ratio	-0.1
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	0-12 Months (1%),12 Months and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Oct 20	₹10,000
31 Oct 21	₹12,175
31 Oct 22	₹12,647
31 Oct 23	₹14,604
31 Oct 24	₹18,418

SBI Multi Asset Allocation Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹447,579.
Net Profit of ₹147,579 Invest Now

Returns for SBI Multi Asset Allocation Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 30 Oct 25

Duration	Returns
1 Month	3.1%
3 Month	5.9%
6 Month	11.2%
1 Year	11.8%
3 Year	17.6%
5 Year	15.5%
10 Year
15 Year
Since launch	9.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	12.8%
2023	24.4%
2022	6%
2021	13%
2020	14.2%
2019	10.6%
2018	0.4%
2017	10.9%
2016	8.7%
2015	9.9%

Fund Manager information for SBI Multi Asset Allocation Fund

Name	Since	Tenure
Dinesh Balachandran	31 Oct 21	3.92 Yr.
Mansi Sajeja	1 Dec 23	1.84 Yr.
Vandna Soni	1 Jan 24	1.75 Yr.

Data below for SBI Multi Asset Allocation Fund as on 15 Sep 25

Asset Allocation

Asset Class	Value
Cash	7.86%
Equity	45.43%
Debt	36%
Other	10.72%

Equity Sector Allocation

Sector	Value
Financial Services	14.35%
Consumer Cyclical	6.37%
Real Estate	5.02%
Technology	4.06%
Basic Materials	3.76%
Energy	3.72%
Consumer Defensive	3.31%
Industrials	2.12%
Utility	1.49%
Health Care	0.87%
Communication Services	0.36%

Debt Sector Allocation

Sector	Value
Corporate	27.4%
Government	9.48%
Cash Equivalent	6.97%

Credit Quality

Rating	Value
A	2.69%
AA	59.06%
AAA	36.28%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
SBI Silver ETF - \| -	7%	₹804 Cr	46,296,178 ↓ -5,000,000
6.33% Govt Stock 2035 Sovereign Bonds \| -	4%	₹445 Cr	45,000,000 ↑ 25,000,000
SBI Gold ETF - \| -	4%	₹405 Cr	37,241,000
6.68% Govt Stock 2040 Sovereign Bonds \| -	2%	₹273 Cr	27,500,000 ↑ 17,500,000
Brookfield India Real Estate Trust (Real Estate) -, Since 30 Apr 25 \| 543261	2%	₹262 Cr	7,664,234
HDFC Bank Ltd (Financial Services) Equity, Since 30 Nov 22 \| HDFCBANK	2%	₹260 Cr	2,662,000
Reliance Industries Ltd (Energy) Equity, Since 15 Sep 24 \| RELIANCE	2%	₹236 Cr	1,720,000
Bharti Telecom Limited Debentures \| -	2%	₹208 Cr	20,000
Embassy Office Parks REIT (Real Estate) -, Since 30 Apr 25 \| 542602	2%	₹208 Cr	4,900,000
TATA Power Renewable Energy Limited Debentures \| -	2%	₹206 Cr	20,000

4. Edelweiss Multi Asset Allocation Fund

(Erstwhile Edelweiss Prudent Advantage Fund)

The objective of the Scheme is to generate returns through capital appreciation by investing in diversified portfolio of equity and equity-related securities, fixed income instruments and Gold Exchange Traded Funds. However, there is no assurance that the investment objective of the Scheme will be realized.

Research Highlights for Edelweiss Multi Asset Allocation Fund

Bottom quartile AUM (₹3,045 Cr).
Established history (16+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 19.94% (upper mid).
3Y return: 16.96% (bottom quartile).
1Y return: 6.59% (bottom quartile).
1M return: 2.76% (bottom quartile).
Alpha: 0.96 (top quartile).
Sharpe: -0.50 (bottom quartile).
Information ratio: 1.72 (top quartile).
Higher exposure to Financial Services vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~77%).
High-quality debt (AAA/AA ~100%).
Largest holding National Bank For Agriculture And Rural Development (~6.0%).

Below is the key information for Edelweiss Multi Asset Allocation Fund

Edelweiss Multi Asset Allocation Fund Growth
Launch Date	12 Aug 09
NAV (31 Oct 25)	₹64.82 ↓ -0.23 (-0.35 %)
Net Assets (Cr)	₹3,045 on 31 Aug 25
Category	Hybrid - Multi Asset
AMC	Edelweiss Asset Management Limited
Rating	☆
Risk	Moderately High
Expense Ratio	1.98
Sharpe Ratio	-0.5
Information Ratio	1.72
Alpha Ratio	0.96
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
31 Oct 20	₹10,000
31 Oct 21	₹14,454
31 Oct 22	₹15,515
31 Oct 23	₹17,556
31 Oct 24	₹23,290

Edelweiss Multi Asset Allocation Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹493,520.
Net Profit of ₹193,520 Invest Now

Returns for Edelweiss Multi Asset Allocation Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 30 Oct 25

Duration	Returns
1 Month	2.8%
3 Month	2.5%
6 Month	6.3%
1 Year	6.6%
3 Year	17%
5 Year	19.9%
10 Year
15 Year
Since launch

Historical performance (Yearly) on absolute basis

Year	Returns
2024	20.2%
2023	25.4%
2022	5.3%
2021	27.1%
2020	12.7%
2019	10.4%
2018	-0.1%
2017	26.1%
2016	0.2%
2015	2.2%

Fund Manager information for Edelweiss Multi Asset Allocation Fund

Name	Since	Tenure
Bhavesh Jain	14 Oct 15	9.97 Yr.
Bharat Lahoti	1 Oct 21	4 Yr.
Rahul Dedhia	1 Jul 24	1.25 Yr.
Pranavi Kulkarni	1 Aug 24	1.17 Yr.

Data below for Edelweiss Multi Asset Allocation Fund as on 31 Aug 25

Asset Allocation

Asset Class	Value
Cash	8.79%
Equity	76.79%
Debt	14.4%
Other	0.01%

Equity Sector Allocation

Sector	Value
Financial Services	23.36%
Health Care	9.01%
Consumer Cyclical	8.64%
Technology	7.78%
Industrials	6.48%
Basic Materials	5.79%
Consumer Defensive	4.27%
Communication Services	3.93%
Utility	2.8%
Energy	2.6%
Real Estate	0.32%

Debt Sector Allocation

Sector	Value
Cash Equivalent	8.06%
Corporate	7.96%
Government	7.19%

Credit Quality

Rating	Value
AAA	99.95%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
National Bank For Agriculture And Rural Development Debentures \| -	6%	₹191 Cr	19,000,000
ICICI Bank Ltd (Financial Services) Equity, Since 31 Mar 15 \| ICICIBANK	6%	₹185 Cr	1,373,985
Edelweiss Liquid Dir Gr Investment Fund \| -	5%	₹151 Cr	436,108
HDFC Bank Ltd (Financial Services) Equity, Since 31 Oct 15 \| HDFCBANK	5%	₹149 Cr	1,569,936
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Oct 19 \| BHARTIARTL	3%	₹93 Cr	495,854
Infosys Ltd (Technology) Equity, Since 31 May 15 \| INFY	3%	₹89 Cr	616,103 ↑ 243,026
Aditya Birla Capital Limited Debentures \| -	2%	₹76 Cr	7,500,000
Hdb Financial Services Limited Debentures \| -	2%	₹76 Cr	7,500,000
State Bank of India (Financial Services) Equity, Since 30 Jun 15 \| SBIN	2%	₹74 Cr	853,714 ↑ 151,881
Maruti Suzuki India Ltd (Consumer Cyclical) Equity, Since 28 Feb 17 \| MARUTI	2%	₹74 Cr	46,457 ↑ 6,826

5. HDFC Multi-Asset Fund

(Erstwhile HDFC Multiple Yield Fund - Plan 2005)

To generate positive returns over medium time frame with low risk of capital loss over medium time frame. However, there can be no assurance that the investment objective of the Scheme will be achieved

Research Highlights for HDFC Multi-Asset Fund

Bottom quartile AUM (₹4,715 Cr).
Established history (20+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderate.
5Y return: 15.88% (bottom quartile).
3Y return: 14.79% (bottom quartile).
1Y return: 10.00% (lower mid).
1M return: 2.50% (bottom quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: -0.16 (lower mid).
Information ratio: 0.00 (bottom quartile).
Top sector: Financial Services.
Higher exposure to Cash Equivalent (bond sector) vs peer median.
Conservative stance with elevated cash (~25%).
High-quality debt (AAA/AA ~100%).
Largest holding HDFC Gold ETF (~11.7%).

Below is the key information for HDFC Multi-Asset Fund

HDFC Multi-Asset Fund Growth
Launch Date	17 Aug 05
NAV (31 Oct 25)	₹74.475 ↓ -0.17 (-0.22 %)
Net Assets (Cr)	₹4,715 on 31 Aug 25
Category	Hybrid - Multi Asset
AMC	HDFC Asset Management Company Limited
Rating	☆☆☆
Risk	Moderate
Expense Ratio	1.85
Sharpe Ratio	-0.16
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	300
Exit Load	0-15 Months (1%),15 Months and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Oct 20	₹10,000
31 Oct 21	₹13,212
31 Oct 22	₹13,813
31 Oct 23	₹15,251
31 Oct 24	₹18,992

HDFC Multi-Asset Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹447,579.
Net Profit of ₹147,579 Invest Now

Returns for HDFC Multi-Asset Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 30 Oct 25

Duration	Returns
1 Month	2.5%
3 Month	4.4%
6 Month	7.2%
1 Year	10%
3 Year	14.8%
5 Year	15.9%
10 Year
15 Year
Since launch	10.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	13.5%
2023	18%
2022	4.3%
2021	17.9%
2020	20.9%
2019	9.3%
2018	-1.9%
2017	11.8%
2016	8.9%
2015	4.7%

Fund Manager information for HDFC Multi-Asset Fund

Name	Since	Tenure
Anil Bamboli	17 Aug 05	20.14 Yr.
Arun Agarwal	24 Aug 20	5.11 Yr.
Srinivasan Ramamurthy	13 Jan 22	3.72 Yr.
Bhagyesh Kagalkar	2 Feb 22	3.66 Yr.
Dhruv Muchhal	22 Jun 23	2.28 Yr.
Nandita Menezes	29 Mar 25	0.51 Yr.

Data below for HDFC Multi-Asset Fund as on 31 Aug 25

Asset Allocation

Asset Class	Value
Cash	25.28%
Equity	50.48%
Debt	12.76%
Other	11.49%

Equity Sector Allocation

Sector	Value
Financial Services	22.81%
Consumer Cyclical	8.24%
Energy	6.58%
Health Care	5.53%
Technology	5.13%
Industrials	4.81%
Consumer Defensive	4.34%
Basic Materials	3.78%
Communication Services	3.14%
Real Estate	2.46%
Utility	2.1%

Debt Sector Allocation

Sector	Value
Cash Equivalent	24.78%
Corporate	7.08%
Government	5.67%
Securitized	0.51%

Credit Quality

Rating	Value
AA	22.31%
AAA	77.69%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Gold ETF - \| -	12%	₹575 Cr
ICICI Bank Ltd (Financial Services) Equity, Since 30 Jun 18 \| 532174	6%	₹300 Cr	2,225,700
Reliance Industries Ltd (Energy) Equity, Since 30 Jun 18 \| RELIANCE	6%	₹275 Cr	2,016,500
HDFC Bank Ltd (Financial Services) Equity, Since 31 May 18 \| HDFCBANK	5%	₹246 Cr	2,583,200
Future on Reliance Industries Ltd Derivatives \| -	4%	-₹174 Cr
Future on ICICI Bank Ltd Derivatives \| -	3%	-₹149 Cr
Bharti Airtel Ltd (Communication Services) Equity, Since 30 Jun 18 \| BHARTIARTL	3%	₹137 Cr	731,925 ↑ 95,000
State Bank of India (Financial Services) Equity, Since 31 Aug 21 \| SBIN	3%	₹131 Cr	1,500,000 ↑ 750,000
Infosys Ltd (Technology) Equity, Since 31 Jan 16 \| INFY	2%	₹84 Cr	585,600 ↓ -303,200
Cipla Ltd (Healthcare) Equity, Since 31 May 23 \| 500087	2%	₹80 Cr	534,980 ↑ 159,980

મલ્ટી એસેટ એલોકેશનમાં ઓનલાઈન કેવી રીતે રોકાણ કરવું?

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શરૂ કરો

FAQs

1. મલ્ટિ-એસેટ એલોકેશન ફંડ તમારા પોર્ટફોલિયોને કેવી રીતે વૈવિધ્ય બનાવે છે?

અ: મલ્ટી-એસેટ એલોકેશન સાથે, તમારું રોકાણ અલગ-અલગ એસેટ્સમાં કરવામાં આવે છે, જે તમને સ્થિરતા પ્રાપ્ત કરવાની ખાતરી આપે છેકમાણી વિવિધ ક્ષેત્રો અને બજાર ચક્રમાંથી.

2. મલ્ટિ-એસેટ ઇન્વેસ્ટમેન્ટ પોર્ટફોલિયોનો સૌથી મોટો ફાયદો શું છે?

અ: મલ્ટિ-એસેટ પોર્ટફોલિયો તમારી જરૂરિયાતોને અનુરૂપ છે અને કસ્ટમાઇઝ્ડ છે. તમારે અલગ-અલગ પોર્ટફોલિયોમાં અલગથી રોકાણ કરવાની જરૂર નથી. આ તદ્દન મુશ્કેલ સાબિત થઈ શકે છે અને તમારા વતી વ્યાપક બજાર સંશોધનની જરૂર પડશે. આમ, સ્થિર કમાણી સુનિશ્ચિત કરવાની અને તમે તમારા કમાણીના પોર્ટફોલિયોમાં વૈવિધ્યીકરણ કરો છો તેની ખાતરી કરવા માટેનો શ્રેષ્ઠ માર્ગ એ છે કે મલ્ટિ-એસેટ પોર્ટફોલિયોમાં રોકાણ કરવું.

3. મલ્ટિ-એસેટ પોર્ટફોલિયો રોકાણ કોણ ઓફર કરે છે?

અ: એક્સિસ ટ્રિપલ એડવાન્ટેજ ફંડ, HDFC મલ્ટી-એસેટ ફંડ, SBI મલ્ટી-એસેટ એલોકેશન ફંડ, ICICI પ્રુડેન્શિયલ મલ્ટી-એસેટ ફંડ, અને UTI મલ્ટી-એસેટ ફંડ જેવી પ્રીમિયર બેંકો અને નાણાકીય સંસ્થાઓ દ્વારા મલ્ટિ-એસેટ પોર્ટફોલિયો રોકાણો ઓફર કરવામાં આવે છે.

4. મલ્ટી-એસેટ ફંડનો સૌથી મોટો ફાયદો શું છે?

અ: સૌથી મોટો ફાયદો એ છે કે ત્યાં કોઈ એક્ઝિટ લોડ નથી. ઉપરાંત, બજારમાં પ્રવેશવામાં અથવા બજાર છોડવામાં કોઈ મુશ્કેલી નથી. જો રોકાણ એક વર્ષમાં રિડીમ ન થાય તો એકમાત્ર એક્ઝિટ લોડ વસૂલવામાં આવે છે અને તે પણ1% તમારા રોકાણની. જો તમે બજાર છોડો તો એક વર્ષ પછી કોઈ એક્ઝિટ લોડ નથી.

5. શું મલ્ટિ-એસેટ ફંડ્સ સારું રોકાણ છે?

અ: મલ્ટી-એસેટ ફંડ્સને સારા રોકાણ તરીકે ગણવામાં આવે છે કારણ કે આ ઓછા જોખમવાળા રોકાણો છે અને સારા વળતર આપવા માટે જાણીતા છે. તેથી જો તમે તમારા પોર્ટફોલિયોને ઉચ્ચ અને ઓછા જોખમવાળા રોકાણો સાથે વૈવિધ્યીકરણ કરવા માંગતા હો, તો તમે વિચારી શકો છોરોકાણ આ ફંડમાં.

6. શું મલ્ટી-એસેટ ફંડમાં રોકાણ કરતી વખતે મારે ધ્યાન રાખવું જોઈએ એવું કંઈ છે?

અ: જો તમે ઝડપી વળતર શોધી રહ્યા છો, તો તમારે આ ફંડમાં રોકાણ ન કરવું જોઈએ. મલ્ટી-એસેટને સારું વળતર આપવામાં લગભગ 5 વર્ષ લાગે છે. ઉદાહરણ તરીકે, જો તમે રૂ. 10,000, તો તમારે તમારું રોકાણ રૂ. થવા માટે 5 વર્ષ રાહ જોવી પડશે. 14,972 પર રાખવામાં આવી છે. આથી, જો ROI ઉત્તમ હોય તો પણ, તમારે તમારા રોકાણને સાકાર કરવા માટે ઓછામાં ઓછા 5 વર્ષ રાહ જોવી પડશે.

7. મલ્ટી-એસેટ ફંડ્સમાં રોકાણ કરતી વખતે મારે કયા પરિબળો ધ્યાનમાં રાખવા જોઈએ?

અ: જોખમ લેવાની ક્ષમતા અને લક્ષ્ય તારીખ કે જેના દ્વારા તમે તમારા રોકાણને સાકાર કરવા માંગો છો - તે એક મહત્વપૂર્ણ પરિબળ છે. આ પરિમાણોના આધારે, તમારે યોગ્ય મલ્ટિ-એસેટ ઇન્વેસ્ટમેન્ટ ફંડ પસંદ કરવું પડશે.

Disclaimer:
અહીં આપેલી માહિતી સચોટ છે તેની ખાતરી કરવા માટેના તમામ પ્રયાસો કરવામાં આવ્યા છે. જો કે, ડેટાની શુદ્ધતા અંગે કોઈ ગેરંટી આપવામાં આવતી નથી. કોઈપણ રોકાણ કરતા પહેલા કૃપા કરીને સ્કીમ માહિતી દસ્તાવેજ સાથે ચકાસો.