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Time of India
31-07-2025
- Business
- Time of India
Maximize Your Returns: Can multi-asset funds outperform traditional equity investments?
Mumbai: You don't need to go all in on equities to earn competitive returns. A multi-asset diversified portfolio of equity, debt and gold -50:25:25 - would have delivered the second-best returns in seven of the past 10 years, while keeping volatility in check, according to a Franklin Templeton study. Investors looking to bet on this outcome could consider multi-asset funds . Between 2016 and 2025, equity (Nifty 500 Total Returns Index or TRI) delivered an average return of 14.8%, gold returned 14.7%, and debt (Crisil Composite Bond Index) gave 7.38% every year. In comparison, a multi-asset portfolio with 50% in equity, along with 25% each in debt, and gold generated an average return of 13.6%, with significantly lower volatility. Explore courses from Top Institutes in Please select course: Select a Course Category Management Degree PGDM Project Management Others Public Policy others Data Science Finance Leadership Artificial Intelligence Cybersecurity Design Thinking Data Analytics Digital Marketing CXO MBA Technology healthcare Operations Management Data Science Product Management Healthcare MCA Skills you'll gain: Duration: 10 Months IIM Kozhikode CERT-IIMK GMPBE India Starts on undefined Get Details Skills you'll gain: Duration: 11 Months IIM Kozhikode CERT-IIMK General Management Programme India Starts on undefined Get Details Skills you'll gain: Duration: 9 Months IIM Calcutta CERT-IIMC APSPM India Starts on undefined Get Details "Over a long period of time, multi asset funds have the potential to give you equity-like returns with better consistency and lower volatility," says Rajasa K, VP & portfolio manager - emerging market equities, Franklin Templeton India. Best MF to invest Looking for the best mutual funds to invest? Here are our recommendations. View Details » by Taboola by Taboola Sponsored Links Sponsored Links Promoted Links Promoted Links You May Like Doctors shocked : this commum ingredient burns fat while you sleep The Health Blog Undo Multi-asset funds invest in a mix of equity, debt, and commodities like gold and silver. They aim to deliver ease from the volatility linked to plain vanilla equity funds. Agencies This category is in vogue because of elevated share valuations, resulting in more investors putting money in these schemes. 'Equities are trading above long term averages and if that is the only asset you hold, one could end up with tepid returns,' says S Shankar, certified financial planner, Credo Capital. Live Events Shankar believes multi asset funds — which include gold, silver, and debt — can cushion potential declines in equities. Assets under management in multi asset funds rose 51% over the past year — from Rs 86,000 crore in June 2024 to Rs 1.3 lakh crore in June 2025. Fund managers also point to the tax efficiency of these products as a key draw for wealthy investors. 'Multi asset funds give you the benefits of asset class rebalancing and tax efficiency,' says Rajasa. If investors were to invest separately in gold, equity, and debt and rebalance the portfolio every year, the resulting tax outgo could be significantly higher, denting overall post-tax returns. Multi-Asset Allocation funds, as a product category, are taxed on the basis of the equity allocation.
Time of India
21-07-2025
- Business
- Time of India
How glitter of gold can help your equity heavy portfolio to outshine
The power of mix: why portfolios need more than just equities Academy Empower your mind, elevate your skills The portfolio with a heavy equity weight (70% equity) has underperformed in 2025 so far due to high volatility driven by global uncertainties, demand growth challenges, and concerns about corporate India's earnings growth . However, over the long term, equities have outperformed both debt and the debt-heavy portfolio (with a 60% allocation) has performed well in 2025 so far but ranked at the bottom over the long run. Additionally, its performance has seen high volatility since has become a crucial asset. The portfolio with no gold exposure remained among the two biggest underperforming portfolios for six years between 2015 and 2025. The significance of gold is also evident in the long run. A portfolio without any gold is the second-worst performer over the last 10 years. Low correlation with equities, hedge against inflation, and safe-haven status make gold a key asset for managing investment volatility Though the equal-weighted portfolio has been the top performer so far in 2025, its performance was modest in the long MF. *2025 data is YTD based on 15 July 2025 closing values. Other years' returns are calculated between the first and the last trading day closing values. Numbers in brackets are the weighted average returns (or portfolio returns) of the respective investment allocations. The 10-year weighted average return is based on compounded returns of the respective assets, calculated between 15 July 2015 and 15 July 2025. Benchmarks used: Equity: Nifty 500 Index, Debt: Crisil Composite Bond Index, Gold: Nippon India ETF Gold BeES
Time of India
09-06-2025
- Business
- Time of India
Equity, debt or gold, which asset class has delivered highest returns in last 11 years? Here's an annual performance tracker
Gold proves crucial in portfolio performance ranking In this TrendMap, we have considered the weighted annual returns for comparison. The equal weighted portfolio of equity, debt, and gold generated the highest returns in 2025 year-to-date. Moreover, such a portfolio delivered double-digit returns in six of the past 11 years. In contrast, the returns generated by the portfolio with a strong debt component has seen high volatility since 2020. After topping the charts in 2023 and 2024, the portfolio with a strong equity component skidded down in 2025 year-to-date amid high turbulence due to global macroeconomic uncertainties and valuation concerns. Gold has emerged as a crucial asset. Portfolios with zero gold exposure remained in the lowest two ranks in six out of the last 11 years. Looking at the risk-reward ratio, of the seven defined portfolios based on the average returns and standard deviation over the last 11 years, the portfolio with the higher debt component (debt 60%) has the most optimal risk-to-reward ratio, followed by the equal weighted portfolio. by Taboola by Taboola Sponsored Links Sponsored Links Promoted Links Promoted Links You May Like 모기 잡지말고 켜두면 다 죽어! 앱스토리몰 더 알아보기 Undo Comparatively, the portfolio with the highest equity component has the most sub-optimal risk-to-reward ratio. Source: ACE MF. *2025 data is YTD based on 30 May 2025 closing values. Other years' returns are calculated between the first and the last trading day closing values. WAR is the weighted average return (or portfolio Live Events return) of the given investment allocation. Benchmarks used: Equity: Nifty 500 Index, Debt: Crisil Composite Bond Index, Gold: Nippon India ETF Gold BeES.
Time of India
28-04-2025
- Business
- Time of India
Time to rejig your investments? Here's why gold is the X-factor between lower and higher-return generating portfolios
Balanced portfolios with gold deliver consistent outperformance In this TrendMap, we have considered the weighted annual returns for comparison. The equal weighted portfolio of equity , debt and gold has topped the charts in seven of the past 11 years. Portfolios with a strong debt component ranked in the top two in six of those years. #Pahalgam Terrorist Attack India stares at a 'water bomb' threat as it freezes Indus Treaty India readies short, mid & long-term Indus River plans Shehbaz Sharif calls India's stand "worn-out narrative" On the other hand, high volatility associated with the portfolio with a strong equity component positioned it in the lowest two ranks in six out of the past 11 years. Looking at the risk-return profile of the seven defined portfolios in the past 11 years, the average weighted annual return and average standard deviation of the portfolio with a strong equity component have been the highest. The average return and average standard deviation have been the lowest for the portfolio with a strong debt component. Gold has clearly emerged as a crucial asset—every portfolio with gold delivered positive returns after the Covid-19 outbreak. In contrast, portfolios with zero gold exposure have recorded a loss in one of the six years since 2020. Source: ACE MF. Rankings based on weighted annual returns. *2025 rankings are based on YTD weighted annual returns, as on 18 April 2025 closing values. Other years' rankings are based on weighted annual returns that are calculated between the first and last trading day closing values. Benchmarks used: Equity: Nifty 500 Index; Debt: Crisil Composite Bond Index; Gold: Nippon India ETF Gold BeES.
