Nuvama Accumulator Consistent Compounder PMS

AIF & PMS Chatbot

Hello there!

Welcome to AIF & PMS Experts India Pvt. Ltd.

Investment Objective

This is a multi-asset class approach with an objective of generating optimum risk adjusted returns by following a prudent asset allocation and deployment approach

Benchmark

Constituent Allocation
Nifty 50 TRI 50%
CRISIL Short Term Bond Fund Index 30%
CRISIL Liquid Fund Index 20%

Allocation of portfolio across types of securities

Allocation %
Equity 0% to 100%
Debt and Cash 0% to 100%

Minimum Account Size

Rs.50 lakhs or such other amount as decided by the Portfolio Manager at its sole discretion, subject to applicable SEBI Regulations that may come into force from time to time.

Investment Approach

The portfolio invests in equity and equity related Securities; fixed income instruments (including but not limited to commercial papers, certificate of deposits, bonds, non-convertible debentures, convertibles, market linked debentures, warrants, structured products); exchange traded securities (including but not limited to REITs, INVITs, Commodities, Gold Bonds etc.).

Recommended Investment Horizon

The recommended investment horizon for this approach is 12 months and above.

Risk Factors

Liquidity risks: The liquidity of the Scheme’s investments may be inherently restricted by trading volumes, transfer procedures and settlement periods. Liquidity Risk can be partly mitigated by diversification, staggering of maturities, as well as internal risk, controls that lean towards purchase of liquid securities.

Volatility risks: There is the risk of volatility in markets due to external factors like liquidity flows, changes in the business environment, economic policy etc. The scheme will manage volatility risk through diversification

Credit risks: The risk of default on a debt that may arise from a borrower failing to make required payments. The risk is that of the lender and includes lost principal and interest, disruption to cash flows, and increased collection costs. The loss may be complete or partial.

What it takes to compound portfolio consistently?

Experience & expertise

Portfolio management requires extensive knowledge of markets, the economy, and products.

Considerable time

Monitoring, following, and analyzing markets, the economy, and products is a full-time job.

Access to credible information

Access to credible research and market news, as well as analysis of their impact, can make a world of difference.

Timely investment decision

Timely decision-making has a significant impact on portfolio performance.

Comprehensive reporting

Effective portfolio management requires an up-to-date dashboard of information to identify performance gaps and implement corrective measures.

The Solution: Consistent Compounder

Path to Consistent Compounding

With a portfolio-based approach, money is invested to its full potential.

Comprehensive Investment Approach

The combined portfolio of Equity (Large, mid, small cap & international funds), Debt (debt MFs, bonds, REITs, InvITs) and Gold ETF, based on the risk appetite.

High-Quality portfolios

Premium investment portfolios of handpicked funds crafted & managed by experts.

Efficient Risk Management

Optimum allocation, diversification & continuous risk monitoring.

Why choose a Consistent Compounder?

  • Managed by an institution, not an individual: Managed by distinguished experts across fields coming together as Global Investment Advisory Committee [GIAC].
  • Financial Discipline: Strict adherence to stated objectives with well-defined investment contours to accommodate market fluctuations.
  • Cost efficient: Investments are made through direct mutual funds and ETFs.
  • Operational Ease: Seamless investment process with high-end technology for execution and reporting [Monthly Statement of Account].
  • Superior Service: A dedicated relationship manager at your service.

Consistent Compounder Model Portfolios: Broad contours and limits

Asset Class Balanced Growth
Equity 30% to 60% 65% to 100%
Fixed Income Upto 70% Upto 35%
Alternatives Upto 15% Upto 20%
Cash & Liquid Upto 15% Upto 15%
Benchmark 50% Nifty 50 TRI: 50% CRISIL Short Term Bond Fund Index 85% Nifty 50 TRI: 15% CRISIL Liquid Fund Index

Offerings ranging across asset classes and diverse risk profiles

Balanced Model Portfolio

Ideal for those who don’t mind a little bit of fluctuation in their investment returns but would be uncomfortable with significant ups and downs.

Top 5 Equity Sector Vs. Nifty 50

Equity Sectors Portfolio Allocation NIFTY 50
Financial Services 30.0% 37.7%
IT 11.8% 14.1%
Oil & Gas 8.9% 12.1%
Consumer Goods 14.0% 9.6%
Automobile 6.4% 5.3%
  • Liquidity Profile: 100% Open Ended
  • Maximum Manager Exposure: 20.00%

Consistent Compounder – Balanced Model Portfolio

Asset Class Solution Allocation Total Allocation
Equity Kotak Bluechip Fund 40.00% 7.00%
Equity Nippon India Large Cap Fund 40.00% 7.00%
Equity Large Cap ETFs 40.00% 15.50%
Equity SBI Flexi Cap Fund 40.00% 3.00%
Equity Kotak Emerging Equity Fund 40.00% 2.50%
Equity International Equity Funds 40.00% 5.00%
Fixed Income Aditya Birla Money Market Fund 56.25% 11.25%
Fixed Income HDFC Money Market Fund 56.25% 5.00%
Fixed Income InvITs 56.25% 10.00%
Fixed Income REITs 56.25% 10.00%
Fixed Income Bharat Bond FoF – April 2033 56.25% 10.00%
Fixed Income Nippon India Nivesh Lakshya Fund 56.25% 10.00%
Alternative HDFC Gold ETF 3.75% 3.75%
Grand Total 100.00%

Balanced Portfolio – Top 10 Holdings

Equity Exposure Allocation
Reliance Industries Ltd. 2.12%
ICICI Bank Ltd. 1.97%
HDFC Bank Ltd. 1.97%
Infosys Ltd. 1.50%
Housing Development Finance Corporation Ltd. 1.26%
ITC Ltd. 1.26%
Larsen & Toubro Ltd. 1.16%
Axis Bank Ltd. 0.99%
State Bank Of India 0.88%
Tata Consultancy Services Ltd. 0.66%
Grand Total 13.77%
Debt Exposure Allocation
Mindspace/Embassy REIT 10.00%
Indigid / PGCIL InvITs 10.00%
08.13% GOI – 22-Jun-2045 3.23%
08.17% GOI – 01-Dec-2044 2.93%
07.06% GOI – 10-Oct-2046 1.47%
Nuclear Power Corporation of India Ltd. SR-XXXVII 07.55% (23-Dec-32) 1.38%
National Bank For Agriculture & Rural Development SR-23E 7.54% (15-Apr-33) 1.19%
Hindustan Petroleum Corporation Ltd. SR-V 7.54% (15-Apr-33) 1.12%
Power Finance Corpn. Ltd. SR-BS220 07.58% (15-Apr-33) 1.12%
Housing & Urban Development Corporation Ltd. -SR-B 7.52% (15-Apr-33) 1.11%
Grand Total 33.55%

About Fund Manager

Anshu Kapoor : President & Head, Nuvama Asset Management

Anshu Kapoor, who serves as the President and Head of Investment Management for Edelweiss Global Wealth Management in Mumbai, has been a regular contributor to our platform with his insightful and articulate views. He has also been a keen supporter of some of our events. Anshu recently sponsored and participated in our last Digital Dialogue event of 2021, which brought together a panel of experienced bankers and digital transformation experts to discuss the current state and future trends of India’s dynamic wealth management market. Anshu stood out among the panel members with his valuable observations and enthusiasm.

Growth Model Portfolio

If you are a growth investor, you want long-term growth and understand that a loss in one year may be the price you have to pay to achieve your financial goals.

Top 5 Equity Sector Vs. Nifty 50

Equity Sectors Portfolio Allocation NIFTY 50
Financial Services 29.9% 37.7%
IT 11.7% 14.1%
Oil & Gas 8.6% 12.1%
Consumer Goods 13.8% 9.6%
Automobile 6.5% 5.3%
  • Liquidity Profile: 100% Open Ended
  • Maximum Manager Exposure: 18.75%

Performance Table

Asset Class Solution Allocation Total Allocation
Equity Kotak Bluechip Fund 75.00% 12.00%
Equity Nippon India Large Cap Fund 75.00% 12.00%
Equity Large Cap ETFs 75.00% 29.00%
Equity SBI Flexi Cap Fund 75.00% 6.00%
Equity Kotak Emerging Equity Fund 75.00% 6.00%
Equity ICICI Pru Small Cap Fund 75.00% 3.75%
Equity International Equity Funds 75.00% 6.25%
Fixed Income Aditya Birla Money Market Fund 56.25% 11.25%
Fixed Income HDFC Money Market Fund 20.00% 10.00%
Fixed Income Aditya Birla Money Market Fund 20.00% 10.00%
Alternative HDFC Gold ETF 5.00% 5.00%
Grand Total 100.00%

Growth Portfolio – Top 10 Holdings

Equity Exposure Allocation
Reliance Industries Ltd. 4.27%
HDFC Bank Ltd. 3.97%
ICICI Bank Ltd. 3.93%
Infosys Ltd. 3.02%
Housing Development Finance Corporation Ltd. 2.53%
ITC Ltd. 2.47%
Larsen & Toubro Ltd. 2.20%
Axis Bank Ltd. 1.92%
State Bank Of India 1.71%
Tata Consultancy Services Ltd. 1.40%
Grand Total 27.42%
Debt Exposure Allocation
182 Days Treasury Bill – 29-Jun-2023 0.87%
Housing Development Finance Corporation Ltd. -355D (26-Dec-23) 0.41%
Union Bank of India (10-Jan-24) 0.38%
182 Days Treasury Bill – 23-Mar-2023 0.35%
HDFC Bank Ltd. (15-May-23) 0.35%
National Bank For Agriculture & Rural Development (23-Jan-24) 0.33%
Small Industries Development Bank of India (11-Jan-24) 0.32%
IndusInd Bank Ltd. (06-Mar-23) 0.32%
IndusInd Bank Ltd. (26-Apr-23) 0.30%
Panatone Finvest Ltd. -364D (22-Jan-24) 0.29%
Grand Total 3.91%

Model Portfolio – Performance Table

Returns as on 31 March 2023 Balanced Portfolio Growth Portfolio
Portfolio Returns (net of management fees) 12.93% 14.75%
Benchmark Returns 10.46% 12.89%
Net Alpha 2.47% 1.86%
Benchmark Composition 50% Nifty50 TRI:
50% CRISIL Short Term Bond Fund Index
85% Nifty50 TRI:
15% CRISIL Liquid Fund Index
Excess Returns from Asset Allocation Decisions 0.58% 1.84%
Excess Returns from Product Selection Decisions 2.34% 0.62%

Power of Compounding

For a portfolio of ₹ 1 Cr. invested, the simulated returns are depicted below:

Year / Return 10% 12% 15%
3 years 1.33 Cr. 1.40 Cr. 1.52 Cr.
5 years 1.61 Cr. 1.76 Cr. 2.01 Cr.
10 years 2.59 Cr. 3.10 Cr. 4.04 Cr.

For a portfolio of ₹ 1 Cr. plus ₹ 10 lakh top-up investment increasing by 10% every year

Year / Return 10% 12% 15%
3 years 1.57 Cr. 1.65 Cr. 1.78 Cr.
5 years 2.19 Cr. 2.37 Cr. 2.66 Cr.
10 years 4.71 Cr. 5.43 Cr. 6.71 Cr.

Fee Structure

Management fees (as % AUM) for different investment corpus :

Management Fee Upto ₹ 1 Cr. ₹ 1-2 Cr. ₹ 2-3 Cr. ₹ 3-5 Cr. ₹ 5 Cr.+
Balanced 1.75% 1.50% 1.25% 1.00% 1.00%
Growth 2.00% 1.75% 1.50% 1.25% 1.00%

Exit Load

  • 2% for redemptions prior to completion of 1 year from the date of investment.
  • 1% for redemptions after completion of 1 year and prior to 2 years from the date of investment.
  • Nil after completion of 2 years from the date of investment.
  • Note: The above exit load is over and above the applicable exit load, if any, of the scheme.

Global Investment Advisory Committee (GIAC)

Team of experienced individuals, experts in the respective field’s equities, fixed income, research, alternates & risk management. The committee meets monthly to debate market conditions, events and economic forecasts and provide their thoughts on optimal portfolio allocations across asset classes.

  • Ajay Marwaha, Head, Fixed Income Markets
  • Ajay Vora, EVP, Nuvama EDGE
  • Alok Saigal, President & Head, Nuvama Private
  • Anshu Kapoor, President & Head, Nuvama Asset Management
  • Ashish Kehair, MD & CEO, Nuvama Group
  • Dhawal Dalal CIO – Fixed Income, Edelweiss AMC
  • Kapil Gupta, Executive Director, Economist
  • Keyur Ajmera, Chief Risk Officer, Nuvama Private
  • Onkarpreet Singh Jutla, Chief Products Officer, Nuvama Private
  • Saurabh Rungta, Senior Managing Partner & CIO, Nuvama Private
  • Shiv Sehgal, President & Head, Capital Markets
  • Amit Rajawat, Fund Manager, Infinity Mandate

Book a call with our experts

For any queries, contact us on Mobile: +919561619571, Landline: 020-48627339,Toll Free: 1800 210 1995, Email: [email protected]     Whatsapp-logo

Disclaimer: Investing Involves Risk. This document is for information purposes only and should not be viewed as a legal offering document or solicitation. Offers to invest in this fund are made only by the Discretionary Portfolio Management Services Agreement. Past performance does not guarantee future results and there is no assurance that the managed accounts will necessarily achieve their objectives. We do not guarantee any returns in the hand of investors not we take any sort of accountability for the performance of the scheme. The above-mentioned data is collected from the respected Fund house please verify the same at SEBI website.