We are an active manager, with the belief that over the medium and longer term, we will be able to outperform the benchmark, which will in turn benefit our policyholders.
High quality research is therefore key to achieving this out-performance. While an individual stock or sector or asset class can be influenced by sentiment, liquidity or other such factors in the short term, over the long term market prices are based on “fundamental values”. For this reason, we follow an investment process that is based on the fundamental evaluation of each individual security. We have access to the best internal and external data available and are always looking for new sources of high quality information
The Investment Committee of HDFC Standard Life comprises top management of HDFC Group and HDFC Standard Life and plays a pivotal role in defining long term investment policies, strategic asset allocation and monitoring the Investment team performance on a continuous basis.
The Investment decision making process is defined and has clear responsibilities and discretion articulated at various levels. Key elements to the investment process include asset allocation, stock selection, portfolio construction, risk management and dealing.