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Birla SunLife 95 Fund - Balanced Fund

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Birla SunLife'95

Strategy


It follows a multi-cap approach to achieve capital appreciation and income from debt allocation of up to 40 per cent. This multi-cap approach depends on the risk return profile of various sub segments of the market. The fund managers primarily focuses on long-term growth for identifying stocks. The fund books profits to balance the debt-equity allocation and occasionally holds cash.

 

The fund managers do not dynamically manage the allocation between equity and debt. They prefer to take advantage during rising markets by increasing the equity exposure. The debt portfolio is actively managed and fund managers bet on bonds and debentures of quality companies with strong balance sheet and high credit rating, without hesitating to take high maturity bets.

 

Performance
One of the oldest funds in the category, it has outperformed the category average on 14 occasions in its 18-year history. The performance has been achieved in both rising and falling markets. The fund manager sticks to the mandate of investing beyond 60 per cent in equities, with the exposure going above 65 per cent on most occasions.

 

In the past 6 years, this fund has been a regular top-quartile performer. Moreover, investments in a well-diversified portfolio of quality stocks such as ITC, ICICI Bank, HDFC Bank, Infosys, NTPC, Yes Bank and Reliance have helped in its superior performance. Such performance is also due to the fund's ability to increase its exposure to equities at the right time. For instance, it was quick to redeploy cash into equities in 2009. But, when the markets are down, this fund tends to move towards safer debt investments and cash and is able to check the fall better than many of its peers.

 

In the past 5 years, Financial, Engineering, Diversified with FMCG, Healthcare and Services have been the top-5 sectors, with single stock allocation less than 5per cent.

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