Tata Mutual Fund and AMC Review 2021

TATA Equity Mutual Funds

TATA offers funds in the following categories:

1. Large Cap:

   This fund focuses on fundamentally strong and undervalued large cap companies. Large cap companies have comparatively stable earnings and greater capability to handle fluctuations and as such these funds are suitable for investors to looking for stability and low volatility. The only fund offered under this category is Tata Large Cap Fund, with asset allocation of 70-100% in equity and equity related securities & the rest in money market instruments. The risk under this category is Moderately High.

2. Diversified:

   These funds invest in the entire spectrum of stocks from large caps to small caps. They are suitable for investors seeking long term capital appreciation and can assume moderately high level of risk.
   The funds offered in this category are:
   

   1. Tata Equity P/E Fund: Invest in companies whose P/E is lower than of S&P BSE Sensex.
   2. Tata Dividend Yield Fund: Invest in instruments having higher dividend yield than of S&P BSE Sensex.
   3. Tata Ethical Fund: Invest in Shariah compliant companies and instruments.
   4. Tata Equity Opportunities Fund: Invest in growth oriented companies & well researched instruments.
   5. Tata Regular Savings Equity Fund: Invest in equity arbitraged opportunities and money & debt market instruments.

3. Mid Cap:

   This fund is suitable for investors looking for investment opportunities in high growth companies mainly in mid cap segment for long term and can assume moderately high risk. The only fund offered by Tata in this category is Tata Mid Cap Growth Fund with asset allocation of 65% to 100% in Equity % equity related instruments and rest in debt & money market instruments.

4. Sectoral:

   Funds under this category restricts their investment in the stocks of particular section and have high level of risk.
   The funds offered in this category are:

   1. Tata Banking & Financial Services Fund: Invest in stocks of Banking & Financial sector companiess
   2. Tata India Consumer Fund: Invest in stocks of consumer oriented sector companiess
   3. Tata Digital India Fund: Invest in stocks of Information Technology factor companiess
   4. Tata India Pharma & Healthcare Fund: Invest in stocks of Pharma &Healthcare sector companiess
   5. Tata Resources and Energy Fund: Invest in stocks of Resource and Energy sector companiess
   6. Tata Infrastructure Fund: Invest in stocks of Infrastructure sector companiess

5. Equity Linked Savings Scheme (ELSS):

   This fund is popular among investors for providing opportunity of capital appreciation and tax saving (as being an eligible investment under section 80C) with a lock in period of 3 years. The fund offered by Tata in this category is Tata India Tax Savings Fund, with investment in a portfolio of good stocks selected through top-down and bottom-up approach. The fund has moderately high level of risk.

6. Index:

   Fund under this category attempts to replicate the performance of indexes such as NSE or BSE by creating portfolio of same stocks that constitute the index and in same weight. The fund offered in this category is Tata Index Fund with moderately high level of risk. Index fund is passively managed and eliminate the risk of active investment management however, due to the tracking error the returns of the index funds would be more or less equivalent to the underlying index but may not be exactly the same.

Tata Debt Funds

Funds offered in this category are:

1. Liquid Funds:

   These funds are suitable for investors seeking relative amount of liquidity and stability as compared to Bank savings account.

   Funds offered under this category are:
   1. Tata Liquid Fund: Suitable for investors who want investments for shorter horizon of time with low level of risk.
   2. Tata Money Market Fund: Invest in debt and money market securities with maturity of upto 91 days and thus is suitable for investors seeking low-risk, low-volatility fund to park short-term cash.

2. Short Term Funds:

   Ideal for investors looking to benefit from short term interest rates over short term.

   Funds under this category are:
   1. Tata Corporate Bond Fund: With moderate level of risk, this fund seeks to generate returns and capital appreciation by investment in corporate debt securities of different maturities.
   2. Tata Short Term Bond Fund: With moderately low of risk, this fund provides opportunity to earn higher accrual income over the period of short to medium term.
   3. Tata Ultra Short Term Fund: With moderately low of risk, this fund provides liquidity & reasonable returns with low level of interest rate risk. The average maturity varies from 3 months to 1 year.

3. Dynamic Fund:

   The fund under this category intends to change the exposure in short and long-term papers depending upon the expected interest rate and is therefore preferred during volatile interest rate environment. The scheme offered under this category is Tata Dynamic Bond Fund with moderate level of risk.

4. Income Fund:

   This fund is suitable for investors seeking regular and steady income over a period of medium to long-term. The fund mostly invests in debt and money market instruments. The schemes offered under this category are Tata Long Term Debt Fund and Tata Medium Term Fund.

5. Gilt Fund:

   The schemes under this fund primarily invest in the government securities with least credit risk. The schemes available under this category are Tata Gilt Mid Term Fund and Tata Gilt Securities Fund.

TATA Hybrid Fund

The fund under this category invests in a mix of debt and equity instruments. Tata offers Equity Oriented Fund wherein 65% of the investments are made in equity instruments and rest in debt securities. With moderately high level of risk, this fund provides growth opportunities of equity and steady income from the debt.

Close Ended Funds

1. Equity

   The fund primarily invests in equity instruments and is suitable for medium to long-term capital appreciation. The scheme offered under this category is Tata Infrastructure Tax Saving Fund, a 10 years close ended equity linked savings scheme with investment in infrastructure companies. The level of risk is high.

2. Debt

   The fund is suitable for investors seeking regular or steady income to investors. The fund primarily invests in debt and money market instruments.

   The funds under this category are:
   1. Tata Dual Advantage Fund Series 2 Scheme A
   2. Tata Dual Advantage Fund Series 2 Scheme B
   3. Tata Dual Advantage Fund Series 2 Scheme C
   4. Tata Dual Advantage Fund Series 3 Scheme A
   5. Tata Fixed Maturity Plans

Solution Based Funds

A solution-based mutual fund is based on the financial planning for each phase of life such as marriage, house, business, etc. The funds offered by Tata under this category are:

1. Child Savings Plan-

   Every parent desires to plan the future of their kids with regard to their education and marriage. The scheme offered under this category is Tata Young Citizens Fund. With the Moderately high level of risk, the fund is an open-ended balanced scheme for children aged between 3 months and 18 years.

2. Retirement Solution

   Tata Retirement Savings Fund is a carefully designed plan to cater the investment needs of investors planning for retirement by offering the choice of asset allocation to investors based on their life stage and risk preference. The plan is suitable for investor following a life cycle based approach to retirement savings. The plan also offers “Auto Switch” facility from progressive plan to moderate and from moderate to conservative as the investor attains age.

   The plans offered are-
   1. Progressive: 85%-100% investment in equity and related securities
   2. Moderate: 65%-85% investment in equity and related securities
   3. Conservative: 70%-100% investment in debt and money market securities

Tata MF EasyInvest

It is a unique idea designed to help investors invest at low risk by allowing them to invest in two different funds Tata Ultra Short Term Fund & Tata Large Cap Fund together. The Investor needs to invest a fixed amount of Rs.10000 or more. The amount will go into the “Tata Floater Fund- Growth option” and units will be allocated to the investors. A fixed amount will then be transferred monthly to the Tata Large Cap Fund from your Tata MF EasyInvest Account. The Easy Invest saves the time and effort involved in giving multiple instructions to the mutual fund to redeem from one scheme and invest in another and converts it into a single instruction, to be executed over the defined period.

Goal Planner for Customized Plan

Tata provides the tool that helps investors to calculate the type of investments needed to achieve the goals. The tools ask for basic information, income details, goal, risk profile and generate a report stating future value of goal amount, the monthly investment required as per the goal horizon. The report allows the investors to change some variable as per their priority and time horizon.

Retirement Planner

Tata also provides a tool that helps investors to calculate the type of investments needed to achieve their retirement goals. The tools ask for details like current monthly savings, expenses, retirement age, life expectancy, expected investment return till retirement & expected rate of return after retirement and then provide the investor with expected monthly expenses at retirement and recommend investment accordingly.

SIP Planner

Monthly Amount- This is a tool which helps the investor to determine the Monthly SIP (approx) depending on expected Maturity amount required, duration of investment and expected rate of return.

Final Amount- This is a tool which helps the investor to determine the expected Maturity amount (approx) depending on monthly investment amount, duration of investment and expected rate of return.

Tata Mutual Fund Factsheets

The Factsheet is published every month and publish on TATA Mutual Fund site. This gives the monthly update on mutual fund performance and portfolio. The Fact Sheet is a dashboard of each fund under AMC. The Fact Sheet includes details about Fund Manager, Fund Size, NAV, Minimum & Additional Investment Amount, Load Structure, Expense Ratio, Mutual Fund Portfolio, Industry-wise Allocation, NAV movement, Market capitalization, SIP details, Quantitative Indicators and much more useful information.
The latest TATA Mutual Fund Fact Sheet Report is available online and can be downloaded from the home page of Tata mutual fund by following the link- Download Factsheets

Online Investment through the website:

The Tata Mutual Fund investors can register for SIP Online, View Portfolio & Account Profile using PIN or without a PIN (if KYC compliant) or with User Name and manage the account from their own place of convenience. The online options to transact can be viewed at the following link: Invest Online

Offline Investment:

For offline mode of investment, the investor can contact the agents and distributors of TATA Mutual Fund and fill a paper-based application and KYC forms.

The Company is using Computer Age Management Services (P) Ltd as an Official Point of Acceptance (OPA) for all financial and non-financial transactions.

Tata Mobile App

Tata Savings+ is an official mobile app for Tata MF investors that provide a convenient and effective way for investing in Tata Money Market Fund, Tata Liquid Fund, Tata Ultra Short Term Fund, and Tata Corporate Bond Fund. The investor can create a profile by validating the email address and PAN.

• Download TATA Mutual Fund Android App
• Download TATA Mutual Fund iOS App

Transactions through MF Utility ("MFU")

AMC has entered into an agreement with MF Utilities India Private Limited (“MFUI”) wherein investors can transact using the online transaction portal of MFU www.mfuonline.com. As in, authorized Points Of Service (POS) designated by MFUI will be considered as an Official Points of Acceptance (OPA) for all financial and non-financial transactions.

TATA Group is one of India’s largest business groups with business in 7 different sectors, operations in over 80 countries, products and services exported to over 85 countries. TATA Mutual Fund is among the most trusted and valued brand. They seek to achieve long-term returns by focusing on overall excellence by providing transparency and reducing risks. They offer a wide number of products and services to cater the investment requirement of everyone, a businessman or salaried professional, a retired person or housewife, an aggressive investor or a conservative capital builder.

If you like what you have read and want to choose Tata Mutual Fund or any other AMC, leave your contact information with us and we will guide you.