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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 the Top 500 Multifactor 50 Fund?
(SFIN: ULIF08219/09/25TopMF500Fd101)
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 500 based on the combination of momentum, quality, value and low volatility factors.
What will be the benchmark? What does the benchmark signify?
The Nifty 500 Multifactor MQVLv 50 Index aims to track the performance of a 50-stock portfolio selected based on a combination of momentum, quality, value and low volatility factors from the Nifty 500. The momentum score for each company is determined based on its 6-month and 12-month price return, adjusted for volatility. Stock weights are based on composite factor score of that stock.
On the other hand, companies in the Nifty 500 index are purely based on free float market capitalization.
What is the investment philosophy behind launching this fund?
The Fund looks to invest in four proven equity factors such as Momentum, Quality, Low Volatility, and Value to construct a portfolio aimed at delivering superior risk-adjusted returns. Stock selection is rules-based passively managed thereby reducing personal biases and enhancing transparency. The multifactor model dynamically adjusts to changing market conditions, allowing the fund to capture emerging opportunities while maintaining discipline.
Highlights of Top 500 Multifactor 50 Fund
Particulars |
Details |
Benchmark Index |
Nifty 500 Multifactor MQVLv 50 Index |
Benchmark Index Returns |
5-Year Returns: 23.37%** |
Source: https://www.niftyindices.com/Factsheet/Factsheet_Nifty500MultifactorMQVLv50.pdf
Top 500 Multifactor 50 Fund Is available with following products:
- HDFC Life Smart Protect Plan (UIN: 101L175V08)
- HDFC Life Sampoorn Nivesh Plus (UIN No: 101L180V01)
- HDFC Life Click 2 Wealth (UIN-101L133V03)
- HDFC Life Click 2 Invest (UIN: 101L178V01)
What are the Key Features?
Nifty 500 Multifactor MQVL 50, has generated higher returns compared to other indices over 2Y / 3Y / 5Y / 10Y periods
|
Nifty 50 |
Nifty 100 |
Nifty 200 |
Nifty 500 |
Nifty 500 Multifactor 50 |
1 yr |
-0.73% |
-2.48% |
-2.52% |
-2.62% |
-10.90% |
2 yrs |
11.98% |
13.57% |
15.00% |
15.90% |
21.98% |
3 yrs |
13.02% |
13.41% |
14.98% |
16.04% |
23.58% |
5 yrs |
17.47% |
17.73% |
19.30% |
20.46% |
24.37% |
7 yrs |
11.78% |
11.79% |
12.57% |
13.15% |
16.15% |
10 yrs |
11.24% |
11.37% |
11.94% |
12.42% |
14.13% |
Source: https://www.niftyindices.com/
* Prices are based on 31st July, 2025
Investment Strategy: One of the key strengths of the Nifty 500 Multifactor MQVL 50 is its investment strategy. The fund largely follows a Multifactor approach of investing and invests across market capitalizations. While single-factor strategies may thrive under certain market conditions, multifactor investing provides a more diversified and resilient approach. Multifactor investing combines multiple factors, such as value, momentum, quality, size, and low volatility, to build a portfolio with diversified risk exposures and the potential for enhanced returns. This approach reduces the reliance on any single factor, mitigating the impact of periods when certain factors underperform. By balancing riskier factors with more stable ones, multifactor strategies aim to smooth out performance fluctuations and improve consistency over time, offering a disciplined way to enhance portfolio performance and manage risk
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. In addition, diversification in this fund will be across multiple factors, not just restricted to stocks or sectors.
Sector allocation split2
Sector |
Weight (%) |
Financial Services |
24.78 |
Oil, Gas & Consumable Fuels |
15.28 |
Healthcare |
13.06 |
Fast Moving Consumer Goods |
12.82 |
Automobile and Auto Components |
10.75 |
Chemicals |
7.36 |
Consumer Durables |
3.97 |
Services |
3.65 |
Textiles |
2.41 |
Metals & Mining |
1.73 |
Consumer Services |
1.56 |
Information Technology |
1.4 |
Capital Goods |
1.23 |
2. Sector Allocation Split is for Index: Nifty500 Multifactor MQVLv 50 Index
In unit linked policies, the investment risk in the investment portfolio is borne by the policyholder. The Unit 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 Unit Linked Insurance Products completely or partially till the end of fifth year. 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.
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.
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.
HDFC Life Smart Protect Plan (UIN: 101L175V08) is a Unit Linked Non-Participating Individual Life Insurance Savings Plan, Life Insurance Coverage is available in this product.
HDFC Life Sampoorn Nivesh Plus (UIN No: 101L180V01) is a Unit Linked Non-Participating Individual Life Insurance Savings Plan, Life Insurance Coverage is available in this product.
HDFC Life Click 2 Wealth (UIN-101L133V03) is a Unit Linked Non-Participating Individual Life Insurance Savings Plan, Life Insurance Coverage is available in this product.
HDFC Life Click 2 Invest (UIN: 101L178V01) is a Unit Linked Non-Participating Individual Life Insurance Savings Plan, Life Insurance Coverage is available in this product.
** The returns mentioned is the 5-year benchmark return percentage of Nifty 500 Multifactor MQVLv 50 Index data as of August 29, 2025, and is not indicative returns of Top 500 Multifactor 50 Fund (ULIF08219/09/25TopMF500Fd101)
ARN: ED/08/25/26295
