Tata Balanced Fund

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Nature of fund: Open-ended Balanced scheme.

Investment objective: The Tata Balanced Fund aims to find the optimal combination of equity and debt related investments to provide maximum returns while also efficiently managing the fund's volatility. This scheme actively manages the combination and balance of equity and debt instruments depending on ever-changing market conditions and the outlook of the fund managers.

Fund information:

Inception date	8th October, 1995.
CRISIL rank (as in June, 2015)	CRISIL Rank 1 in the Balanced Funds category. CRISIL Rank 1 in the Consistent Performers - Balanced Funds category.
Plans	Regular. Direct.
Options	Growth. Dividend. Monthly Dividend.
Schemes	Tata Balanced Regular Growth Fund. Tata Balanced Regular Dividend Fund. Tata Balanced Regular Monthly Dividend Fund. Tata Balanced Direct Growth Fund. Tata Balanced Direct Dividend Fund. Tata Balanced Direct Monthly Dividend Fund.
Entry load	None.
Exit load	For exit within 1 year from the date of allotment = 1.00%.
Minimum investment	Rs.5,000. (in multiples of Re.1). Additional Investment: Rs.1,000 (in multiples of Re.1).
SIP	Monthly Minimum Rs.1,000 (in multiples of Re.1) thereafter for minimum six months. Minimum Rs.500 (in multiples of Re.1) thereafter for minimum one year. Quarterly Minimum Rs.1,000 (in multiples of Re.1) for 6 instalments. Minimum Rs.1,500 (in multiples of Re.1), for 4 instalments.
Product label - Risk and target investors	Moderately High Risk. Target investors are those who seek: Long term capital appreciation. Investments predominantly in equity and equity related instruments and a portion (of about 25% - 35%) in fixed income securities.
Benchmark	CRISIL Balanced Fund
SWP	In a monthly or quarterly frequency. Minimum withdrawal amount = Rs.500.
STP	Yes
Redemption	Rs.500 or 50 units or account balance (whichever is lower).
Taxation (on investment and on redemption)	The tax implications of being associated and invested in this mutual fund must be discussed at length with your tax advisor.

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Investment philosophy

To minimize potential volatility through investments in equities and debt instruments alike.
To actively manage and keep tabs on the performance of different investments under the fund to ensure optimal use of resources.
To provide income distribution and / or medium to long term capital gains.
To always emphasize the importance of capital appreciation.
To invest primarily in equity and equity-related instruments.
To invest around 25% - 35% in fixed income securities.

Risk measures:

Sharpe Ratio	0.40
Alpha	N/A
Beta	0.99
Standard deviation	11.85%

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Expert view of the fund + outlook

This hybrid fund invests in both equities and debt instruments in order to maintain the balance and protect itself from market volatility. Currently, it has over 74.79% exposure to equity and 22.70% exposure to debt-related investments. Large companies tend to be more immune to shifts in market trends than smaller ones, and this fund invests 52.96% of its funds in large sized companies and 33.84% of the funds in mid-sized companies. Smaller companies are invested in up to 8.16% currently. If you've already invested in this fund, keep a watchful eye on its performance, as it is a well performing fund but invests highly in equities. If you're a new investor - you can skip over this fund and find another fund that you won't have to monitor as much as this one.

How to apply

You can invest in this fund online through the Tata Mutual Funds website, or you can physically enter any one of the Tata Mutual Funds offices in your city to be a part of this fund. You can also request a call back from the company, and an executive will get in touch with you and guide you through the application process.

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