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HDFC Asset Allocator Fund of Funds


Contact your Mutual Fund Distributor or Registered Investment Adviser today,
or give a missed call on 7397412345.
HDFC Asset Allocator Fund of Funds (An open ended Fund of Riskometer #
Funds scheme investing in equity oriented, debt oriented and
gold ETFs schemes) is suitable for investors who are seeking*

• Capital appreciation over long term

• Investment predominantly in equity oriented, debt oriented and
Gold ETF schemes.

*Investors should consult their financial advisers, if in

doubt about whether the product is suitable for them.

# The product labelling assigned during the NFO is based on internal assessment of the scheme
characteristics or model portfolio and the same may vary post NFO when the actual investments are made.
 
For latest Riskometer, investors may refer to the Monthly Portfolios disclosed on the website of the Fund viz.
www.hdfcfund.com

1
 
Asset Allocation refers to distributing your investible surplus
across various asset classes according to risk tolerance, risk
appetite and investment time frame.

Why Asset allocation is crucial?

Each asset class behaves differently across different economic cycles
It reduces dependency on a single asset class to generate returns.
Mitigates volatility of portfolio returns
01

How can investors implement asset allocation?

Determine financial goals
Ascertain risk appetite 03

Determine optimal asset allocation

Invest in different asset classes directly and rebalance portfolio periodically
Or

   


100% 93%
90%
Equity Debt Gold
80%

70%

60%

50%

40% 37%
Returns %

30%
16% 20% 19% 20%
20% 14%
10% 11% 11%
7% 5% 8% 8% 7%
10% 5% 4% 5% 3% 5% 6%
0%
0%
-10%

-20% -14%

-30%

-40%
-38%
FY 98-00 FY 00-03 FY 03-08 FY 08-11 FY 11-17 FY 17-20* COVID-19 Post-Correction
(Tech Bubble) (Tech bubble (Economic (Sub-Prime Crisis (Post Crisis) (Market Correction$ Rally $
meltdown) Boom) /Eurozone crisis) Recovery)

Market Events

Source:- Bloomberg, World Gold Council, Data from 1st April 1998 to 31st March 2021. *Upto 14th January 2020. All returns are CAGR %, unless
specified otherwise. $ Absolute Returns used as period less than a year. COVID-19 Correction considered from 14th January 2020 to 23rd March
2020 as market bottomed that day & Post Correction Rally from 23rd March 2020 to 31st March 2021. Classification of periods as per internal
HDFC AMC classification. Data used for asset classes: Equity -NIFTY 50, Debt-NIFTY 10 year benchmark G Sec, Gold-Spot Rate INR/10 Grams
The Scheme proposes to invest in gold ETF schemes and hence is impacted by the price of gold. Comparison with Gold has been given solely for
the purpose of understanding and illustrative purposes.

“The difference between success and failure is not which stock you buy or
which piece of real estate you buy, its asset allocation”- Tony Robbins

2
 

Equity, Debt or Gold ?

Large cap, Mid Cap or Small Cap ? Simple solution Systematic &
to all these Process
investment Driven Asset
Frequency of Rebalancing ? questions Allocation

Whether Asset Allocation is

Tax Efficient ?


HDFC Asset Allocator Fund of Funds

    

Equity Oriented Schemes* (40-80%)

Units of
Domestic
Mutual Funds
Schemes Debt Oriented Schemes** (10-50%)

95%-100%
Gold ETF Schemes*** (10-30%)

*Equity Oriented schemes of HDFC Mutual Fund or other Domestic Mutual Funds having similar objectives, strategy, asset allocation and other attributes.
**Debt Oriented schemes of HDFC Mutual Fund or other Domestic Mutual Funds having similar objectives, strategy, asset allocation and other attributes.
***HDFC Gold ETF and/or other schemes of HDFC Mutual Fund or other Domestic Mutual Funds having similar objectives, strategy, asset allocation and other
attributes. For complete details, please refer to Scheme Information Document


    
Timing the market for various asset classes is difficult
Lack of diversification leads to higher volatility of returns
Combining negatively correlated/ less correlated asset classes reduces portfolio risk
HDFC Asset Allocator Fund of Funds could be considered as an option to meet diversified asset
allocation needs of investors
Active asset allocation with periodic review and rebalancing
Aims to generate better risk adjusted returns
Debt taxation with indexation benefits

“You should have a strategic asset allocation mix that assumes that you don't
know what the future is going to hold”- Ray Dalio

3
  
Type of Scheme An open ended Fund of Funds scheme investing in equity oriented, debt oriented and gold ETF schemes

Investment Objective To seek capital appreciation by managing the asset allocation between equity oriented, debt oriented and
gold ETF schemes.
There is no assurance that the investment objective of the Scheme will be realized.
Mr. Amit Ganatra (Equity oriented schemes), Mr Anil Bamboli (Debt oriented Schemes),
Fund Manager
Mr Krishan Kumar Daga (Gold ETFs)

Plans Direct Plan

Regular Plan
Options Under Each Plan: Growth & Payout of Income Distribution Cum Capital Withdrawal (IDCW) option and
Re-investment of Income Distribution Cum Capital Withdrawal (IDCW) Option

During NFO - Purchase: Rs 5,000 and any amount thereafter

Minimum Application During continuous offer period (after scheme re-opens for repurchase and sale):
Amount (Under Each
Purchase: Rs. 5,000/- and any amount thereafter
Plan/Option)
Additional Purchase: Rs 1,000 and any amount thereafter

Entry Load Not Applicable.

In respect of each purchase / switch-in of Units, 15% of the units (“the limit”) may be
redeemed without any Exit Load from the date of allotment.
Exit Load
Any redemption in excess of the above limit shall be subject to the following exit load:
Exit Load of 1.00% is payable if units are redeemed / switched out within 1 year from
Load Structure the date of allotment.
No Exit Load is payable if units are redeemed / switched out after 1 year from the date
of allotment.
In case of Systematic Transactions such as SIP, GSIP, STP, Flex STP, Swing STP, Flex index;
Exit Load, if any, prevailing on the date of registration / enrolment shall be levied.

90% NIFTY 50 Hybrid Composite Debt 65:35 TR Index + 10% Domestic Price of Gold arrived at based on
Benchmark Index London Bullion Market Association's (LBMA) AM fixing price

Note: Investors in the Scheme shall bear the recurring expenses of the Scheme in addition to the expenses of other schemes
in which this Fund of Funds scheme makes investment (subject to regulatory limits).

MUTUAL FUND INVESTMENTS ARE SUBJECT TO MARKET RISKS,

READ ALL SCHEME RELATED DOCUMENTS CAREFULLY.