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In Unit Linked policies, the investment risk in investment portfolio is borne by the policyholder. ...Read More
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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.
Top reasons for customers to invest in this fund?
- Proven Track Record: The Nifty Alpha 50 has a track record that speaks for itself. It boasts an impressive 10-year benchmark return of 19.3%. This consistent performance level indicates stability and reliability, making it an attractive option
Nifty Alpha 50, has generated higher returns than both Midcap and Large cap indices over 1Y / 3Y / 5Y / 10Y periods.
Period |
Nifty 500 |
Nifty Midcap 100 |
Nifty Alpha 50 |
1 yr |
4.92% |
6.40% |
-5.59% |
2 yrs |
20.31% |
30.47% |
31.28% |
3 yrs |
14.22% |
21.90% |
11.56% |
5 yrs |
22.42% |
32.01% |
32.39% |
7 yrs |
12.77% |
15.05% |
18.98% |
10 yrs |
12.56% |
15.61% |
18.64% |
15 Yrs |
11.39% |
13.54% |
18.67% |
*Prices are based on April 30, 2025
What are the historical returns of this index?
Nifty Alpha 50, has generated higher returns than both Midcap and Large cap indices over 1Y / 3Y / 5Y / 10Y periods.
Period |
Nifty 500 |
Nifty Midcap 100 |
Nifty Alpha 50 |
1 yr |
4.92% |
6.40% |
-5.59% |
2 yrs |
20.31% |
30.47% |
31.28% |
3 yrs |
14.22% |
21.90% |
11.56% |
5 yrs |
22.42% |
32.01% |
32.39% |
7 yrs |
12.77% |
15.05% |
18.98% |
10 yrs |
12.56% |
15.61% |
18.64% |
15 Yrs |
11.39% |
13.54% |
18.67% |
* Prices are based on 30th April, 2025
Source: https://www.niftyindices.com/Factsheet/Factsheet_Nifty_Alpha50.pdf, https://www.niftyindices.com/Factsheet/ind_nifty_500.pdf and https://www.niftyindices.com/Factsheet/ind_niftymidcap100.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
Sectoral Classification - NIC |
% of Portfolio |
Manufacture of Electrical Equipment |
11.66% |
Financial Service Activities, Except Insurance and Pension |
10.18% |
Manufacture of Computer, Electronic and Optical Products |
7.95% |
Manufacture of OtherTransport Equipment |
7.95% |
Manufacture of Pharmaceuticals, Medicinal Chemical and Botanical |
7.62% |
Other Financial Activities |
7.33% |
Retail Trade, Except of Motor Vehicles and Motorcycles |
5.96% |
Construction of Buildings |
5.77% |
Manufacture of Machinery and Equipment n.e.c. |
5.68% |
Manufacture of Chemicals and Chemical Products |
4.06% |
Computer programming consultancy and related activities |
3.73% |
Manufacture of basic metals |
3.06% |
Specialized Construction Activities |
2.98% |
Other Manufacturing |
2.94% |
Insurance, Reinsurance and Pension Funding |
2.86% |
Extraction of Crude Petroleum and Natural Gas |
2.70% |
Information service activities |
2.28% |
Electricity, Gas, Steam and Air Conditioning Supply |
1.81% |
Telecommunications |
1.61% |
Manufacture of Coke and Refined Petroleum Products |
0.96% |
Manufacture of beverages |
0.87% |
** 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.
1. Opt for Settlement Option to receive maturity benefit in periodical installments.
2. Sector Allocation Split is for Index Variant: Nifty Alpha 50 Index.
3. As per Income Tax Act, 1961. Tax benefits are subject to changes in tax laws.
8. Assured maturity benefit will be paid only on policy maturity provided all due premiums have been paid and will not apply on death or surrender.
13. Sum assured multiple up to 100x depending upon entry age, premium payment term & policy term
For more details on the risk factors, terms and conditions and products offered, please visit our website www.hdfclife.com. This fund is available with HDFC Life Smart Protect Plan (UIN: 101L175V07), HDFC Life Sampoorn Nivesh Plus (UIN: 101L180V01), HDFC Life Click 2 Wealth (UIN: 101L133V03), HDFC Life Click2Invest - ULIP (UIN: 101L100V05).
Life Insurance Coverage is available in this product. The unit linked insurance products do not offer any liquidity during the first five years of the contract. The policyholder will not be able to surrender/withdraw the monies invested in unit linked insurance products completely or partially till the end of fifth year. Unit Linked Funds are subject to market risks and there is no assurance or guarantee that the objective of the investment fund will be achieved.
The premium shall be adjusted on the due date even if it has been received on advance. Unit Linked Insurance Products (ULIPS) are different from the traditional insurance products and are subject to the risk factors. The premium paid in the Unit Linked Life Insurance Policies is 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. 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.
For more details on risk factors, associated terms and conditions and exclusions please read sales brochure carefully before concluding a sale. 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.
ARN: MC/02/25/21575
