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Reach your financial goals faster, with the right mix of investments

Do not put all your eggs in one basket, so goes the saying. It is the same with your investments. Asset allocation is the process of dividing your investments among different asset classes such as stocks, bonds, real estate and cash in a way that maximises your wealth by reducing the overall risk.

You should consider an asset allocation strategy based on:

Time horizon - how long you expect you'll need your assets to last

Risk tolerance - how willing you are to endure the market's ups and downs in exchange for more growth potential over the long term

Financial situation - including your lifestyle and assets

Asset allocation through Mutual Funds:

There are several advantages of arriving at an optimum asset allocation for your portfolio by investing in mutual funds compared to directly investing in stocks or fixed return instruments. Here's how:

  1. Affordability:
    Mutual fund investing is affordable. That's because the minimum amount to be invested in a mutual fund is low and you get access to a diversified portfolio even with a very small amount of money
  2. Flexibility:
    Likewise, investors who need flexibility to exit their investments (in case if open-ended schemes) as and when they feel like, find mutual funds convenient for the easy exit option they offer
  3. Transparency:
    There is a deal of great transparency in the way investments are done and managed by the fund managers as the industry is well regulated and falls under the purview of the market regulator, SEBI
  4. Expert management:
    Your mutual fund investments are handled by experienced professionals who are well versed with the changing dynamics of the markets and economy
  5. Easy diversification:
    Mutual funds score the most in terms of instant and easy diversification they offer by spreading your money across different investments like equity, fixed income, gold and real estate

With an optimum asset allocation strategy, mutual funds give you the ability to make the most of your investments while spreading out your overall risk.

An investor awareness initiative.

Mutual fund investments are subject to market risks, read all scheme related documents carefully.

This document has been prepared by HSBC Asset Management (India) Private Limited (AMIN) for information purposes only and the contents of this document are indicative only. This document should not be construed as an offer or solicitation of an offer for purchase, subscribe for any investment, instrument of any of the funds of HSBC Mutual Fund. All information contained in this document (including that sourced from third parties), is obtained from sources, which AMIN/ third party, believes to be reliable but which it has not been independently verified by AMIN/ the third party. Further, AMIN/ the third party makes no guarantee, representation or warranty and accepts no responsibility or liability as to the accuracy or completeness of such information. The information and opinions contained within the document are based upon publicly available information and rates of taxation applicable at the time of publication, which are subject to change from time to time. Expressions of opinion are those of AMIN only and are subject to change without any prior intimation or notice. It does not have regard to specific investment objectives, financial situation and the particular needs of any specific person who may receive this document. Investors should seek such expert advice as may be required including financial advice regarding the appropriateness of investing in any securities or investment strategies that may have been discussed or recommended in this report and should understand that the views regarding future prospects may or may not be realized. Please note that this information is neither intended to aid in decision making for legal, financial or other consultancy questions, nor should it be the basis of any investment or other decisions. Accordingly, the information in this document does not purport to be comprehensive, and has not been independently verified, by AMIN. Neither this document nor the units of HSBC Mutual Fund have been registered in any jurisdiction. The distribution of this document in certain jurisdictions may be restricted or totally prohibited and accordingly, persons who come into possession of this document are required to inform themselves about, and to observe, any such restrictions.