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In this policy, the investment risks in the investment portfolio is borne by the policyholder.
This fund is only available with selected Unit Link Life Insurance plans.
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What is NFL?
NFL or New Fund Launch in the context of life insurance, refers to the option to invest in a new fund or security as part of the investment component of a variable life insurance policy. If policy holders have opted for a variable life insurance or a ULIP there is an option to allocate a portion of their premiums to different investment options. These funds, managed by investment professionals can include a variety of asset classes such as stocks, bonds, and money market instruments.
NFOs in life insurance offer several investment benefits along with life cover. Thus, there is security for the beneficiaries and possibility of capital appreciation as well, over long term.
Understanding The Basics
What is the objective of HDFC Life Midcap Momentum Fund?
How is the index different from Midcap index*?
What is the investment philosophy of launching HDFC Life Midcap Momentum Fund?
The Fund aims to generate long-term capital appreciation from a portfolio of mid-cap stocks that are aligned to the MidCap Momentum Index.
The index chooses to invest in the top 50 companies within the Nifty midcap 150 index based on momentum score. The companies in the index are selected based on on its 6-month and 12-month price return, adjusted for volatility. Stock weights are based on a combination of the stock’s Normalized Momentum Score and its free-float market capitalization. On the other hand, companies in the midcap index are purely based on free float market capitalization.
Given that midcap segment offers compounding returns as few companies of todays would become larger cap companies of tomorrow’s, the investment philosophy is to combine the same with Momentum Investing, that is rule-based investing system that invests in companies that have been doing well in terms of stock performance and select those potential outperformers. Momentum investing is based on the investing into stocks that have been doing well in the past. Outperforming stocks generally attract more investors and this trend further solidifies, these stocks potentially outperform the broad midcap market further.
Top Reasons For Customers To Select This Fund
Long Term Capital appreciation:
Midcap funds are in the growth phase offering significant growth potential and some of them are likely to become large companies in future. Hence investing for a longer period in Midcap funds offers superior returns. Investing into midcap companies create compounding benefits.
Momentum investment:
Momentum investing broadly means investing into stocks that have been performing well both in terms of price and company performance and it often leads to higher returns particularly during bull markets. Momentum investing is based on the investing into stocks that have been doing well in the past. Outperforming stocks generally attract more investors and this trend further solidifies, these stocks potentially outperform the broad midcap market further.
Diversification:
Diversification means spreading your capital among various sectors and stocks. Since the fund invest in portfolio of stocks into various sectors and stocks, it reduces the risk of concentration into single stock or sector. All the sectors do not outperform / underperform at the same time. Every sector has its own market dynamics and sector tailwinds / headwinds do not always coincide with market upcyle / downcycle.
Historical Returns Of This Index - Comparison With Midcap Index Returns*
|
NSE Nifty Midcap150 Momentum 50 |
Nifty Midcap 100 Index |
Nifty 50 Index |
3 months |
28.53% |
24.93% |
13.87% |
6 months |
36.01% |
28.76% |
9.98% |
1 year |
67.97% |
58.33% |
23.01% |
2 years |
28.80% |
26.66% |
11.93% |
3 years |
42.47% |
32.43% |
16.80% |
5 Years |
31.20% |
23.50% |
14.94% |
10 years |
27.87% |
20.48% |
13.56% |
Data as of 31st January, 2024
Nifty Midcap 150 Momentum Index, has generated higher returns than both Midcap and Large cap indices over 1Y / 3Y / 5Y / 10Y periods.
Sector Allocation Split2
Sector |
Weight(%) |
Financial Services |
29.18 |
Healthcare |
19.53 |
Capital Goods |
18.15 |
Realty |
9.01 |
Metals and Mining |
6.34 |
Information Technology |
5.30 |
Chemicals |
3.68 |
Automobile and Auto components |
3.45 |
Power |
3.30 |
Construction materials |
0.65 |
Textiles |
0.61 |
Media, Entertainment & Publication |
0.50 |
Consumer Durables |
0.30 |
Data as of 29th February, 2024
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*HDFC Life Midcap Momentum Fund is benchmarked to NSE Nifty Midcap150 Momentum 50 Index. IRDAI (Investments) Regulations, 2016 and guidelines shall apply.
1.Opt for Settlement Option to receive maturity benefit in periodical installments.
2. Sector Allocation Split is for Index Variant: Nifty Midcap150 Momentum 50 Index.
3.As per Income Tax Act, 1961. 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.
13. Sum Assured multiple up to 100x depending upon entry age, premium payment term & policy term
This is not the historical return of the newly launched HDFC Life Midcap Momentum Fund. HDFC Life Midcap Momentum Fund is different from Midcap Index.
The 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 Linked Insurance Products completely or partially till the end of fifth year. Performances of the fund/funds in the unit link insurance plans are subject to market risk and volatility, and there is no assurance or guarantee that the fund/s’ objective would be achieved.
Life Insurance Coverage is available in these products. For more details on risk factors, associated terms and conditions and exclusions please read sales brochure carefully before concluding a sale. HDFC Life Click2Invest ULIP (UIN: 101L100V05), HDFC Life Click 2 Wealth (UIN: 101L133V03), HDFC Life Sampoorn Nivesh (UIN: 101L103V03) and HDFC Life Smart Protect Plan (UIN: 101L175V05) are the names of the Unit linked Plans. 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. HDFC Life Insurance Company Limited is only the name of the Insurance Company, HDFC Life is only the name of the brand and HDFC Life Click2Invest ULIP (UIN: 101L100V05), HDFC Life Click 2 Wealth (UIN: 101L133V03), HDFC Life Sampoorn Nivesh (UIN: 101L103V03) and HDFC Life Smart Protect Plan (UIN: 101L175V05) are only the names of the unit linked life insurance contracts. 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.
ARN: ED/03/24/9658