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In Unit Linked policies, the investment risk in investment portfolio is borne by the policyholder. The linked insurance products do not offer any liquidity during the first five years of the contract. The policyholder will not be able to surrender or withdraw the monies invested in linked insurance products completely or partially till the end of the fifth year.
new fund launch
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What is New Fund Launch?
New Fund Launch in the context of life insurance, refers to the option to invest in a new fund or security as part of the investment component of a unit linked life insurance policy. Policyholders who choose a ULIP benefit from life insurance coverage while also having the opportunity to invest in market-linked assets. They have the flexibility to allocate a portion of their premiums to various investment options, allowing them to balance their insurance needs with their investment goals. These funds, managed by investment professionals can include a variety of asset classes such as stocks, bonds, and money market instruments.
New Fund Launch in life insurance offer several investment benefits along with life cover. Thus, there is security for the beneficiaries and possibility of capital appreciation as well, over long term.
Understanding the Basics
What is the objective of Top 300 Alpha 50?
The Fund aims to generate long-term capital appreciation from a portfolio that is aligned to the constituents of index which consists of 50 stocks selected from top 300 stocks based on Jensen’s Alpha**. The weight of the stock in the index is further based only on free float market capitalization.
What will be the benchmark? what does the benchmark signifies?
Benchmark for the Fund is Nifty Alpha 50 Index. The Nifty Alpha 50 index which consists of 50 stocks selected from the Top 300 largest NSE listed companies based on ‘Jensen’s Alpha’. Jensen's alpha is a performance metric that measures an investment excess return when compared to the market. The weight of stocks in the index is based on their alpha scores. Stock weights are capped at the lower of 5% or 5 times the weight of the stock in the index based only on free float market capitalization
What is the investment philosophy of launching this fund?
The fund largely follows an Alpha strategy of investing and invests across market capitalizations. Alpha Investing, that is rule-based investing system that invests in companies that have been doing well in terms of stock performance and select those potential outperformers. In simple terms, investing into winners and weeding out the losers. Outperforming stocks generally attract more investors, and this trend further solidifies, these stocks potentially outperforms the broad large cap and midcap index over a longer time frame.
Highlights of HDFC Life Top 300 Alpha 50 Fund
Particulars |
Details |
Benchmark Index |
NIFTY Alpha 50 |
Benchmark Index Returns |
5-Year Returns: 32.4% |
NFO Launch Date |
4th August 2025 |
Top reasons for customers to invest in this fund?
The Nifty Alpha 50 Index, designed for long-term investors, offers strong long-term growth potential by focusing on companies with a proven track record of outperforming the market.
Period |
Nifty Alpha 50 |
1 yr |
-4.29% |
5 yrs |
32.4% |
*Prices are based on June 30, 2025
Source: https://www.niftyindices.com/Factsheet/Factsheet_Nifty_Alpha50.pdf
- Investment Strategy: One of the key strengths of the Nifty Alpha 50 is its investment strategy. The fund largely follows an Alpha strategy of investing and invests across market capitalisations. Alpha investing is based on the investing into stocks that have been doing well in the past. Outperforming stocks generally attract more investors, and this trend further solidifies, these stocks potentially outperforms the broad large cap and midcap index over a longer time frame.
- Diversification: Diversification means spreading your capital among various sectors and stocks. Since the fund invest in portfolio of stocks into various sectors and stocks, it reduces the risk of concentration into single stock or sector. All the sectors do not outperform / underperform at the same time. Every sector has its own market dynamics and sector tailwinds / headwinds do not always coincide with market upcycle / downcycle
What are the historical returns of this index?
Nifty Alpha 50 has generated higher returns across various long-term periods, and since inception returns.
Period |
Nifty Alpha 50 |
1 yr |
-4.29% |
5 yrs |
32.4% |
*Prices are based on June 30, 2025
Source: https://www.niftyindices.com/Factsheet/Factsheet_Nifty_Alpha50.pdf
Unit linked funds are subject to market risk and there is no assurance or guarantee that the objective of the fund will be achieved. Past performance of the funds does not indicate the future performance of the same.
Sector allocation split2
Sector Classification |
% of Portfolio |
Wholesale Trade, Except of Motor Vehicles and Motorcycles |
0.29% |
Manufacture of Motor Vehicles, Trailers and Semi-Trailers |
0.39% |
Air Transport |
0.92% |
Food And Beverage Service Activities |
1.10% |
Insurance, Reinsurance and Pension Funding |
1.19% |
Other Manufacturing |
1.80% |
Retail Trade, Except of Motor Vehicles and Motorcycles |
1.90% |
Manufacture of OtherTransport Equipment |
3.62% |
Electricity, Gas, Steam and Air Conditioning Supply |
4.01% |
Manufacture of Machinery and Equipment n.e.c. |
4.01% |
Telecommunications |
4.03% |
Computer programming consultancy and related activities |
4.53% |
Manufacture of Computer, Electronic and Optical Products |
5.61% |
Human Health activities |
5.79% |
Manufacture of Chemicals and Chemical Products |
5.95% |
Manufacture of Pharmaceuticals, Medicinal Chemical and Botanical |
7.47% |
Other Financial Activities |
9.55% |
Information service activities |
11.59% |
Financial Service Activities, Except Insurance and Pension |
12.18% |
Manufacture of Electrical Equipment |
14.04% |
** Alpha strategy means investing in companies that have been doing well in terms of stock performance and select those potential outperformers/winners and weeding out the losers.
2. Sector Allocation Split is for Index: Nifty Alpha 50 Index
3. Loyalty addition would be added to the fund starting from 10 Policy Anniversary for the other than ‘Single Premium’ policies paying Annualized Premium of ₹ 1,00,000 at least and for all the Single Premium paying policies.
The Linked Insurance products do not offer any liquidity during the first five years of the contract. The policyholders will not be able to surrender/withdraw the monies invested in Linked Insurance Products completely or partially till the end of fifth year.
Life Insurance Coverage is available in this product. HDFC Life Smart Pension Plan (UIN: 101L164V07) is the name of the Unit linked product.
Unit Linked Life Insurance products are different from the traditional insurance products and are subject to the risk factors. The premium paid in Unit Linked Life Insurance policies are subject to investment risks associated with capital markets and the NAVs of the units may go up or down based on the performance of fund and factors influencing the capital market and the insured is responsible for his/her decisions. HDFC Life Insurance Company Limited is only the name of the Insurance Company, HDFC Life is only the name of the brand and HDFC Life Smart Pension Plan (UIN: 101L164V07) is only the name of the unit linked life insurance contract.
The name of the company, name of the brand and name of the contract does not in any way indicate the quality of the contract, its future prospects or returns. Please know the associated risks and the applicable charges, from your Insurance agent or the Intermediary or policy document of the insurer. The various funds offered under this contract are the names of the funds and do not in any way indicate the quality of these plans, their future prospects and returns.
ARN: ED/07/25/25041
