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In Unit Linked policies, the investment risk in investment portfolio is borne by the policyholder. The linked insurance products do not offer any liquidity during the first five years of the contract. The policyholder will not be able to surrender or withdraw the monies invested in linked insurance products completely or partially till the end of the fifth year.
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What is a Dynamic Advantage Fund?
The Dynamic Advantage Fund is a strategically managed investment solution designed to provide long-term capital appreciation by dynamically balancing equity and debt investments. It leverages a mix of equities for growth potential and debt instruments for stability, enabling investors to optimize returns while managing risk. The fund actively adjusts its asset allocation between equities and bonds based on market conditions and relative valuations, ensuring that your investments remain resilient through varying economic cycles.
How Does a Dynamic Advantage Fund Work?
The Dynamic Advantage Fund follows a tactical allocation strategy that dynamically adjusts the balance between equity and debt based on evolving market opportunities. It strategically invests in a diverse range of assets, including money markets, government bonds, corporate bonds, and equities, to capture growth while mitigating risk. Benchmarked against a blended index of 80% NSE Nifty 50 and 20% Crisil Bond Index, the fund is designed to deliver consistent performance across market cycles.
With the flexibility to allocate up to 50% in fixed-income and debt instruments during volatile markets, the fund effectively minimizes potential losses during downturns, protecting your investments from significant declines. By actively rebalancing the portfolio in response to market movements, the Dynamic Advantage Fund maximizes returns and offers robust downside protection, ensuring resilient growth even in challenging market phases.
Performance Benchmark, Investment Universe, and Asset Class Limits
The Dynamic Advantage Fund is benchmarked against a composite index comprising:
Crisil Bond Index |
20% |
NSE Nifty 50 |
80% |
Total |
100 |
Investment Universe and Asset Class Limits:
Asset Allocation |
Ranges % |
Money Market incl. Mutual Fund, ETF |
0-50 |
Govt Bonds |
0-50 |
Corp Bonds/Debentures |
0-50 |
Equities ~ |
50-100 |
Mortgage Loans/MBS |
0 |
~May include Equity ETF
This diversified approach allows the fund to capitalize on market trends while maintaining a balanced risk profile, classified as Medium Risk.
Key Features of Dynamic Advantage Fund
- Dynamic Asset Allocation: Actively adjusts the balance between equity and debt investments based on changing market conditions and relative valuations. This strategic flexibility allows the fund to capitalize on growth opportunities while managing risk effectively.
- Comprehensive Life Cover: Offers life insurance coverage, providing financial security to your loved ones and ensuring peace of mind against unforeseen events.
- Tax-Free Wealth Accumulation: Enables tax-efficient wealth creation for premiums up to ₹2.5* lakh, maximizing your investment returns without the burden of taxes.
- Downside Protection: Reduces exposure to high-risk assets during periods of market volatility, safeguarding your investments from significant losses.
- Sector Diversification: Invests across a broad range of industries with strong growth potential, reducing sector-specific risks and enhancing overall portfolio stability.
- Superior Risk-Adjusted Returns: Delivers consistent performance by outperforming traditional equity indices over the long term, ensuring better risk-adjusted returns.
These features make the Dynamic Advantage Fund a robust investment solution, designed to optimize growth while protecting your financial future.
Who Is It Ideal For?
The Dynamic Advantage Fund is suitable for individuals looking to grow their wealth through a strategic balance of equity and debt investments. It caters to those seeking long-term capital appreciation while maintaining a balanced risk profile. Whether you are a salaried professional aiming for financial security, a self-employed individual looking for flexible investment options, or an investor seeking efficient wealth accumulation, this fund provides the ideal blend of growth potential and risk management.
With its dynamic asset allocation strategy, the fund is perfect for anyone who wants to capitalize on market opportunities while minimizing risks through adaptive portfolio adjustments. If you’re looking for a smart and resilient investment solution, the Dynamic Advantage Fund is designed to help you achieve your financial goals.
FAQs on Dynamic Advantage Fund
1 How does the Dynamic Advantage Fund manage risk?
The fund employs a dynamic rebalancing strategy to adjust the equity and debt mix based on market conditions, reducing exposure to high-risk assets during volatile periods.
2 What are the tax benefits of investing in this fund?
The fund offers tax-free wealth creation for Premium(s) up to ₹2.5 lakh, making it a tax-efficient investment option.
3 How is the performance of this fund measured?
The fund's performance is benchmarked against a composite index of 80% NSE Nifty 50 and 20% Crisil Bond Index, ensuring consistent and superior risk-adjusted returns.
4 What is the investment objective of the Dynamic Advantage Fund?
The objective is to provide long-term capital appreciation through a balanced mix of equity and debt investments while dynamically adjusting the asset allocation to capture strategic market opportunities.
5 Is this fund suitable for short-term investment goals?
The Dynamic Advantage Fund is designed for long-term capital appreciation. Investors with a long-term investment horizon are more likely to benefit from its dynamic asset allocation strategy.
In unit linked policies, the investment risk in the investment portfolio is borne by the policyholder. The Unit Linked Insurance products do not offer any liquidity during the first five years of the contract. The policyholders will not be able to surrender/withdraw the monies invested in Unit Linked Insurance Products completely or partially till the end of fifth year.
Life Insurance Coverage is available in this product. The unit linked insurance products do not offer any liquidity during the first five years of the contract. The policyholder will not be able to surrender/withdraw the monies invested in unit linked insurance products completely or partially till the end of fifth year. Unit Linked Funds are subject to market risks and there is no assurance or guarantee that the objective of the investment fund will be achieved. The premium shall be adjusted on the due date even if it has been received on advance.
Unit Linked Life Insurance products are different from the traditional insurance products and are subject to the risk factors. The premium paid in 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. The name of the company, name of the brand and name of the contract does not in any way indicate the quality of the contract, its future prospects or returns. Please know the associated risks and the applicable charges, from your insurance agent or the intermediary or policy document of the insurer. The 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.
*Tax free wealth accumulation up to ₹2.5 lakhs along with Life Cover & 80C benefits. Please note all the tax benefits are subject to tax laws prevailing at the time of payment of premium or receipt of benefits by you. Tax benefits are subject to changes in tax laws.
8. Assured maturity benefit will be paid only on policy maturity provided all due premiums have been paid and will not apply on death or surrender.
11. Loyalty addition would be added to the fund starting from 10 policy anniversary for the other than ‘Single Premium’ policies paying annualized premium of ₹ 1,00,000 at least and for all the Single Premium paying policies.
13. This is subject to underwriting norms.
For more details on the risk factors, terms and conditions and products offered, please visit our website www.hdfclife.com. This fund is available with HDFC Life Smart Protect Plan (UIN: 101L175V06), HDFC Life Sampoorn Nivesh Plus (UIN: 101L180V01), HDFC Life Smart Pension Plan (UIN: 101L164V05)
HDFC Life Insurance Company Limited is only the name of the Insurance Company, Dynamic Advantage Fund is only the name of the unit linked fund. The name of the company, name of the brand and name of the contract does not in any way indicate the quality of the contract, its future prospects or returns
ARN: MC/02/25/21999
