Balanced funds are geared toward investors who are looking for a mixture of safety, income and modest capital appreciation. The amounts this type of mutual fund invests into each asset class usually must remain within a set minimum and maximum.

2. BALANCED MUTUAL FUNDS

3. HYBRID PRODUCTS THATTAKE EXPOSURE TO
DEBT & EQUITY
Balanced Mutual Fund aims tostrike between STABILTY ANDGROWTH

4. HOW DOES BALANCED FUND WORK?

5. Flexibility to move within the range of 30-80%
HOW DOES BALANCED ADV FUND WORK?

6. WHY BALANCED FUND?
IDEAL FOR INVESTORS WITH A REQUIREMENT OF
STABILITY (DEBT) AND GROWTH (EQUITY) OVER THE LONG TERM
 Combination of Equity and Debt
 Power of diversification
 Focus on Capital Appreciation
 Lower Volatility
 Active Management of Portfolio
 Tax Free Return after 1 year

7. TAX BENEFITS IN MIP
IDEAL FOR SEEKING TAXEFFICIENT RETURN AND
LONG TERM CAPITAL APPRECIATION WITH MODERATE RISK
• 15% BEFORE
1 YEAR
SHORT TERM
CAP GAIN TAX
• NIL AFTER 1
YEAR
LONG TERM
CAP GAIN TAX
• DDT IS NIL
IN DIVIDEND
OPTION
• TO INVEST IN
BOTH GROWTH
AND DIVIDEND
INVESTOR’S
ADVICE

8. REASONS FOR SWP FROM BALANCED FUND
 Ideal solution for uncertain investment horizon
 Regular income
 To meet living requirement after retirement
 Tax effective returns
 Beat inflation
 Capital appreciation
BALANCED FUND WITH SWP IS ADVISABLE FOR RETIRED PERSON
WHO WANTS REGULAR INCOME FOR LONG TERM

9. Let’s look at the performance of SWP in some Balanced Funds
@ 8% annual withdrawal through monthly route
SYSTEMATIC WITHDRAWAL PLAN
FOR 10 YEARS FROM
BALANCED FUNDS

10. SCHEME NAME 1YR 3YR 5YR 7YR
BSL Balance Adv
Fund
26.76% 16.97% 13.44% 10.29%
SBI Magnum
Balance Fund
12.78% 18.56% 18.22% 12.02%
RRSF - Balance
Option
13.21% 18.95% 16.42% 12.54%
HDFC Balance Fund 20.76% 21.37% 17.71% 16.50%
RETURNS OF SOME BALANCED/ADV BALANCED FUNDS

11. • NOT RISKY in the long termSAFETY
• Always (Anytime)LIQUIDITY
• 12 – 15 % (Expectation)RETURNS
• 15% before 1 yearSTCGT
• NIL after 1 yearLTCGT
• 7%INFLATION
• After tax and inflation: 5 – 8%NET RETURN
• YesRegular Income
• After taking SWP of 8%Capital Appreciation
SWP FROM BALANCED FUNDS

12. BALANCED FUNDS IS THE
TRUE WEALTH CREATING
INSTRUMENT

13. WHY A FAMILY FAILS TO CREATE WEALTH?

14. TODAY’S SUCCESS MANTRA

16. .
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