August 9, 2022
mayank
L&T Conservative Hybrid Fund Guidance
NAV Growth : Rs 46.1096
NAV IDCW Quarterly : Rs 11.6099
NAV IDCW Monthly : Rs 11.9479
Suitable For Which Investors ?
“Conservative hybrid funds invest roughly a quarter of your money in equity shares and the rest in bonds. These funds are suitable for those who cannot withstand too much volatility in the value of their investments and are content with moderate returns which are slightly higher than returns from fixed income options.
They may also suit those looking for a regular income from their accumulation. The debt portion of these funds provides a moderate, but steady stream of income. The small equity allocation though adds a bit of volatility, but helps boost returns to keep up with the rate of inflation over the long term.
Invest only if your investment horizon is three years or more. To derive dependable income with some degree of inflation protection, invest your accumulated savings in these funds gradually over at least a few months, and then maintain a withdrawal rate in the range of 4-6 per cent of the value of your investment every year.”
Fund’s Investment Strategy :
The scheme aims to generate monthly income with minimum investments in debt instruments to the extent of 80 percent. Equity and money market instruments can constitute a maximum of 20 per cent of the portfolio.
Fund Manager :
— Cheenu Gupta
Education : Ms. Gupta is CFA Charter holder (USA), PGDBM (Finance) & B.E. (I.T)
Experience : Prior to joining L&T Mutual Fund, she has worked with Canara Robeco Mutual Fund, Tata AIA Life Insurance Company as Fund Manager, ING Investment Management as Senior Research Analyst and UTI AMC Ltd. as Research Analyst.
— Venugopal Manghat
Education : Mr. Manghat is a B.Sc (Mathematics) and MBA (Finance).
Experience : Prior to joining L&T Mutual Fund he has worked with Tata Asset Management Ltd.
— Jalpan Shah
Education : Mr. Shah is a B.E. (Mechanical) and holds a PGDM.
Experience : Prior to joining L&T Mutual Fund, he was associated with FIL Fund Management Private Limited (Dec 2007-Nov 2012), Lotus India Asset Management Company Private Limited (Sep 2007-Nov 2007) as a Research Analyst, UTI Asset Management Company Private Limited (July 2006-Aug 2007) as a Research Analyst and UTI Asset Management Company Private Limited(May 2004-June 2006) as a Sales & Marketing Manager.
Investment Details
| Min. Investment (Rs) | 10,000 |
| Min. Addl Investment (Rs) | 1,000 |
| Min. SIP Investment (Rs) | 1,000 |
| Min. No of Cheques | 6 |
| Min. Withdrawal (Rs) | 500 |
| Min. Balance (Rs) | 500 |
| Lock-in Period | Not Applicable |
| Exit Load | For units in excess of 10% of the investment, 1% will be charged for redemption within 365 days |
Basic Details
| Fund House: | L&T Mutual Fund |
| Launch Date: | 01-Jan-13 |
| Return Since Launch: | 7.78% |
| Benchmark: | NIFTY 50 Hybrid Composite Debt 15:85 |
| Riskometer: | Moderately High |
| Type: | Open-ended |
| Assets: | Rs 36 Cr |
| (As on 31-Jul-2022) | |
| Expense Ratio: | 1.56% |
| (As on 30-Jun-2022) | |
| Risk Grade: | Average |
| Return Grade: | Average |
| Turnover: | — |
L&T Conservative Hybrid Fund Guidance Trailing Returns (%)
| YTD | 1-Day | 1-W | 1-M | 3-M | 6-M | 1-Y | 3-Y | 5-Y | 7-Y | 10-Y | |
| L&T Conservative Hybrid Direct-G | -0.81 | 0.12 | 0.22 | 2.73 | 2.45 | -0.14 | 3.57 | 7.19 | 6.45 | 7.13 | — |
| VR MIP TRI | 1.21 | 0.24 | 0.5 | 3.61 | 3.96 | 1.76 | 5.25 | 8.82 | 8.01 | 8.18 | — |
| Hybrid: Conservative Hybrid | 1.76 | 0.14 | 0.19 | 2.16 | 2.98 | 1.92 | 5.69 | 8.59 | 6.94 | 7.93 | — |
| Rank within category | 32 | 22 | 15 | 7 | 27 | 32 | 27 | 24 | 19 | 24 | — |
| Number of funds in category | 34 | 35 | 35 | 35 | 35 | 34 | 34 | 30 | 28 | 27 | 0 |
L&T Conservative Hybrid Fund Guidance Peer Comparison
| Fund name | Rating | Launch Date | 1-Year Return | 3-Year Return | 5-Year Return | Expense Ratio | Assets (Cr) |
| L&T Conservative Hybrid Fund | 3 star | Jan-13 | 3.57 | 7.19 | 6.45 | 1.56 | 36 |
| SBI Conservative Hybrid Fund | 4 star | Jan-13 | 7.61 | 11.77 | 8.16 | 0.56 | 6,079 |
| ICICI Prudential Regular Savings Fund | 5 star | Jan-13 | 7.28 | 10.24 | 8.72 | 0.99 | 3,267 |
| Kotak Debt Hybrid Fund | 5 star | Jan-13 | 6.88 | 12.57 | 9.58 | 0.45 | 1,523 |
| Canara Robeco Conservative Hybrid Fund | 5 star | Jan-13 | 5.05 | 11.03 | 8.85 | 0.56 | 1,150 |
Portfolio Analysis
| Number of Stocks | 32 |
| Number of Bonds | 5 |
| Average Maturity (yrs) | 2.08 |
| Top 10 Holdings (%) | 77.23 |
| Portfolio P/B Ratio | 5.24 |
| Portfolio P/E Ratio | 34.88 |
L&T Conservative Hybrid Fund Guidance by Chanakya :
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