This video discusses three relatively safe mutual fund investment strategies, focusing on multi-asset allocation funds, balanced advantage funds, and a 50/50 portfolio of gold and stocks. The presenter argues that these approaches offer higher returns and lower risk compared to purely equity-based investments.
Multi-asset allocation funds: These funds diversify investments across stocks, bonds, gold, and real estate, mitigating risk. The presenter uses the ICICI Prudential Multi-asset Allocation Fund as an example, highlighting its consistent outperformance of Nifty 500 and Nifty 50 indexes over five-year rolling periods, including positive returns even during market downturns.
Balanced advantage funds: These funds dynamically adjust allocations between equity and debt based on market conditions, offering flexibility and risk management. The HDFC Balanced Advantage Fund is used as an example, demonstrating its strong performance and consistent positive returns over various periods. The presenter notes the tax advantages and reduced emotional burden associated with these funds.
50/50 Gold and Stock Portfolio: This strategy combines gold and Nifty 50 index funds (or ETFs) for diversification. The presenter shows how this approach mitigates risk, especially during market crashes where gold's performance can offset stock market losses. Rebalancing this portfolio every five years can further reduce volatility.
