October 4, 2023
mayank
LIC MF Conservative Hybrid Fund details, NAV, Portfolio, Returns, Peer Comparison, Fund Managers & Guidance by Chanakyamfguidance.com
NAV Growth: Rs 77.4468
NAV IDCW Yearly: Rs 13.8684
IDCW Quarterly NAV: Rs 15.5804
IDCW Monthly NAV: Rs 12.1314
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 has the primary objective to give steady income by investing at least 65 per cent of its portfolio in fixed income securities. Exposure to equity and money market instrument can range go up to 35 per cent each.
Fund Manager:
1) Karan Doshi
Education: Mr. Doshi is a Bachelor of Engineering, MMS (Finance)
Experience: Prior to joining LIC Mutual Fund, he has worked with Subhkam Ventures Pvt. Limited as Equity Analyst.
2) Pratik Harish Shroff
Education: Mr. Shroff has done B.Com, M.Com, CFA, FRM and Executive Programme in Applied Finance – IIM, Calcutta
Experience: Prior to joining LIC Mutual Fund, he was associated with CTBC Bank Ltd, IndusInd Bank Ltd, Industrial and Commercial Bank of China, Tata Mutual Fund and LKP Securities.
Investment Details
| Min. Investment (Rs) | 5,000 |
| Min. Addl Investment (Rs) | 500 |
| Min. SIP Investment (Rs) | 1,000 |
| Min. Withdrawal (Rs) | 500 |
| Min. No of Cheques | 12 |
| Min. Balance (Rs) | — |
| Lock-in Period | NA |
| Exit Load | For units in excess of 12% of the investment, 1% will be charged for redemption Within 90 days |
Basic Details of LIC MF Conservative Hybrid Fund
| Fund House | LIC Mutual Fund |
| Launch Date | 09-Jan-13 |
| Return Since Launch | 7.57% |
| Benchmark | CRISIL Hybrid 85+15 Conservative Index |
| Riskometer | Moderately High |
| Type | Open-ended |
| Assets | Rs 59 Cr |
| (As on 31-Aug-2023) | |
| Expense | 1.33% |
| (As on 31-Aug-2023) | |
| Risk Grade | Average |
| Return Grade | Below Average |
| Turnover | — |
LIC MF Conservative Hybrid Fund Trailing Returns (%)
| Fund name | YTD | 1D | 1M | 3M | 6M | 1Y | 3Y | 5Y | 7Y | 10Y |
| LIC MF Conservative Hybrid Dir | 4.48 | -0.15 | -0.19 | 0.71 | 3.79 | 6.83 | 6.74 | 7.43 | 6.52 | 7.51 |
| VR MIP TRI | 6.63 | -0.24 | 0.36 | 1.33 | 7.21 | 11.00 | 10.13 | 8.89 | 8.36 | 9.19 |
| Hybrid: Conservative Hybrid | 7.82 | -0.04 | 0.56 | 2.42 | 7.19 | 10.39 | 9.67 | 8.66 | 7.75 | 9.80 |
| Rank within category | 31 | 29 | 31 | 31 | 31 | 31 | 24 | 20 | 21 | 21 |
| Number of funds in category | 31 | 31 | 31 | 31 | 31 | 31 | 27 | 24 | 24 | 21 |
LIC MF Conservative Hybrid Fund Peer Comparison
| Rating | 1 Year Returns | 3 Year Returns | 5 Year Returns | Expense Ratio (%) | Net Assets (Rs Cr) | Return Since Launch (%) | Exit Load (Days) | Fund Age | Turnover (%) | |
| LIC MF Conservative Hybrid Dir | 2 star | 6.83 | 6.74 | 7.43 | 1.33 | 59 | 7.57 | 1.00 (90) | 10Y 8M | 17.00 |
| SBI Cons Hybrid Dir | 5 star | 12.02 | 12.95 | 11.16 | 0.61 | 8,691 | 9.95 | 1.00 (365) | 10Y 9M | — |
| ICICI Pru Regular Svngs Dir | 4 star | 10.18 | 10.18 | 10.10 | 0.92 | 3,278 | 10.55 | 1.00 (365) | 10Y 9M | 15.00 |
| HDFC Hybrid Debt Dir | 4 star | 13.63 | 13.08 | 10.25 | 1.30 | 2,865 | 9.78 | 1.00 (365) | 10Y 9M | — |
| Kotak Debt Hybrid Dir | 5 star | 12.23 | 12.65 | 12.06 | 0.45 | 1,975 | 10.72 | 1.00 (180) | 10Y 9M | 24.23 |
Portfolio Analysis of LIC MF Conservative Hybrid Fund
| Number of Stocks | 10 |
| Number of Bonds | 8 |
| Average Maturity (yrs) | 3.74 |
| Top 10 Holdings | 89.98% |
| Portfolio P/B Ratio | 4.34 |
| Portfolio P/E Ratio | 24.69 |
Portfolio Breakup
| Fund | Category | |
| Average Mkt Cap (Rs Cr) | 5,40,231 | 1,88,119 |
| Giant (%) | 100.00 | 58.53 |
| Large (%) | — | 17.03 |
| Mid (%) | — | 17.80 |
| Small (%) | — | 10.29 |
| Tiny (%) | — | — |
| Fund | Category | |
| Number of Securities | 19 | 58 |
| Macaulay Duration (yrs) | 3.24 | 3.30 |
| Average Maturity (yrs) | 3.74 | 5.48 |
| Yield to Maturity (%) | 7.35 | 7.53 |
| Avg Credit Rating | AAA | — |
Chanakya’s Mutual Fund Guidance For LIC MF Conservative Hybrid Fund
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