RISK ANALYZER

"Its the Investor who is risky, not the Investment"

WHAT IS YOUR RISK APPETITE ?

Conservative
Moderate
Aggressive
Not sure about your risk profile?

CONSERVATIVE

Conservative investors have risk tolerances ranging from low to moderate. Those who have low risk tolerance are often extremely uncomfortable with the stock market and wish to avoid it entirely.

  • Equity
  • Debt
  • Gold

If your primary investment objective is safety of Capital with moderate appreciation, you may allocate your portfolio in such a way that majority i.e 75% is in Fixed Income (debt) while 15% in equity and a standard allocation of 10% in gold.

This Kind of asset allocation is ideally suited for senior citizens, who are risk averse & also for the first time investors, who are bit reluctant to enter in Equity Market. Ideally you can hold these funds for 1 - 3 years.

FUND RECOMMENDATION FOR CONSERVATIVE INVESTORS (Lump Sum Investments)

You may consider the below indicative asset allocations

DEBT FUNDS

Scheme Name 1 Year Return (%) 3 Year Return (%) 5 Year Return (%)
Aditya Birla Sun Life Corporate Bond Fund - Growth - Regular Plan 9.34 8.06 6.49
HDFC Credit Risk Debt Fund - Growth Option 8.97 7.62 7.16
Kotak Corporate Bond Fund- Regular Plan-Growth Option 9.50 7.81 6.24
Axis Corporate Bond Fund - Regular Plan Growth 9.56 7.74 6.24

EQUITY FUNDS

Scheme Name 1 Year Return (%) 3 Year Return (%) 5 Year Return (%)
Franklin India Large Cap Fund-Growth 2.25 16.10 19.65
Aditya Birla Sun Life Large Cap Fund-Growth 2.36 18.18 20.58
SBI Large Cap FUND-REGULAR PLAN GROWTH 2.64 16.91 20.07
Nippon India Large Cap Fund- Growth Plan -Growth Option 2.39 22.75 25.32
Axis Large Cap Fund - Regular Plan - Growth 0.74 13.82 15.06

GOLD ETF

Scheme Name 1 Year Return (%) 3 Year Return (%) 5 Year Return (%)
Nippon India ETF Gold BeES 30.67 23.16 13.65
SOVERIGN GOLD BONDS

Recommended Portfolio for Conservative Investors (SIP)

Scheme Name 1 Year Return (%) 3 Year Return (%) 5 Year Return (%) Allocation Percentage SIP Amount
SBI Equity Hybrid Fund - Regular Plan -Growth 8.51 15.92 17.14 50% Rs. 2,000 - 5,000
Axis Large Cap Fund - Regular Plan - Growth 0.74 13.82 15.06 50%
Franklin India Large Cap Fund-Growth 2.25 16.10 19.65 35% Rs. 5,000 - 10,000
SBI Equity Hybrid Fund - Regular Plan -Growth 8.51 15.92 17.14 30%
ICICI Prudential Balanced Advantage Fund - Growth 7.35 14.00 15.07 35%
Franklin India Large Cap Fund-Growth 2.25 16.10 19.65 30% > Rs.10000
HDFC Hybrid Equity Fund - Growth Plan 3.78 15.81 18.67 25%
Nippon India Large Cap Fund- Growth Plan -Growth Option 2.39 22.75 25.32 30%
BANDHAN Flexi Cap Fund - Regular Plan - Growth 2.21 17.94 20.14 15%
Not sure about your risk profile?

MODERATE.

A Moderate investor values higher long-term returns and is willing to accept considerable risk. Investor is comfortable with short-term fluctuations in exchange for seeking long-term appreciation. The Moderate investor is willing to endure larger short-term losses of principal in exchange for the potential of higher long-term returns. Liquidity is a secondary concern to a Moderate Growth investor.

  • Equity
  • Debt

Investors having fair knowledge about the Equity Market and comfortable with calculated risks to achieve good returns can have portfolio allocation of around 35% in Growth oriented Equity Funds & 65% in Debt oriented funds.

A moderate portfolio is appropriate for an investor with a moderately high risk tolerance and a time horizon longer than 5 years.

FUND RECOMMENDATION FOR MODERATE INVESTORS (Lump Sum Investments)

You may consider the below indicative asset allocations

DEBT FUNDS

Scheme Name 1 Year Return (%) 3 Year Return (%) 5 Year Return (%)
HDFC Credit Risk Debt Fund - Growth Option 8.97 7.62 7.16

EQUITY FUNDS

Scheme Name 1 Year Return (%) 3 Year Return (%) 5 Year Return (%)
Nippon India Large Cap Fund- Growth Plan -Growth Option 2.39 22.75 25.32
BANDHAN Flexi Cap Fund - Regular Plan - Growth 2.21 17.94 20.14
Axis Large Cap Fund - Regular Plan - Growth 0.74 13.82 15.06

Recommended Portfolio for Moderate Investors (SIP)

Scheme Name 1 Year Return (%) 3 Year Return (%) 5 Year Return (%) Allocation Percentage SIP Amount
SBI Equity Hybrid Fund - Regular Plan -Growth 8.51 15.92 17.14 50% Rs. 2,000 - 5,000
Axis Large Cap Fund - Regular Plan - Growth 0.74 13.82 15.06 50%
SBI Equity Hybrid Fund - Regular Plan -Growth 8.51 15.92 17.14 35% Rs. 5,000 - 10,000
Aditya Birla Sun Life Large Cap Fund-Growth 2.36 18.18 20.58 30%
BANDHAN Flexi Cap Fund - Regular Plan - Growth 2.21 17.94 20.14 35%
SBI Equity Hybrid Fund - Regular Plan -Growth 8.51 15.92 17.14 20% > Rs.10000
HDFC Hybrid Equity Fund - Growth Plan 3.78 15.81 18.67 30%
Nippon India Large Cap Fund- Growth Plan -Growth Option 2.39 22.75 25.32 30%
Kotak Flexicap Fund - Growth 2.37 20.11 20.27 20%
Not sure about your risk profile?

AGGRESSIVE.

An Aggressive investor values maximizing returns and is willing to accept substantial risk. Such investor believes maximizing long-term returns is more important than protecting principal. Liquidity is generally not a concern to an Aggressive investor.

  • Equity
  • Debt

If a Investors objective is to accumulate assets over long term by primarily investing in growth assets, you might expect your portfolio to be allocated up to 85% in growth assets and 15% allocation to Debt funds.

This portfolio allocation is ideally suited for Investors in Early 30\'s, high income earners/dual income family members.

FUND RECOMMENDATION FOR AGGRESSIVE INVESTORS (Lump Sum Investments)

You may consider the below indicative asset allocations

DEBT FUNDS

Scheme Name 1 Year Return (%) 3 Year Return (%) 5 Year Return (%)
Kotak Corporate Bond Fund- Regular Plan-Growth Option 9.50 7.81 6.24

EQUITY FUNDS

Scheme Name 1 Year Return (%) 3 Year Return (%) 5 Year Return (%)
ICICI Prudential Equity & Debt Fund - Growth 6.08 21.39 25.42
Sundaram Mid Cap Fund Regular Plan - Growth 6.21 27.11 28.60
Axis Large Cap Fund - Regular Plan - Growth 0.74 13.82 15.06
Parag Parikh Flexi Cap Fund - Regular Plan - Growth 8.71 23.04 24.21

Recommended Portfolio for Aggressive Investors (SIP)

Scheme Name 1 Year Return (%) 3 Year Return (%) 5 Year Return (%) Allocation Percentage SIP Amount
SBI Flexicap Fund - REGULAR PLAN -Growth Option -0.63 15.33 19.48 50% Rs. 2,000 - 5,000
Axis Large Cap Fund - Regular Plan - Growth 0.74 13.82 15.06 50%
HDFC Hybrid Equity Fund - Growth Plan 3.78 15.81 18.67 35% 5,000 - 10,000
BANDHAN Flexi Cap Fund - Regular Plan - Growth 2.21 17.94 20.14 35%
Kotak Flexicap Fund - Growth 2.37 20.11 20.27 30%
ICICI Prudential Value Fund (erstwhile Value Discovery Fund) - Growth 5.25 24.19 27.11 35% > Rs.10000
HDFC Hybrid Equity Fund - Growth Plan 3.78 15.81 18.67 35%
SBI Flexicap Fund - REGULAR PLAN -Growth Option -0.63 15.33 19.48 15%
Kotak Flexicap Fund - Growth 2.37 20.11 20.27 15%

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"Mutual fund investments are subject to market risks. Please read the scheme information and other related documents carefully before investing. Past performance is not indicative of future returns"