This product is suitable for investors who are seeking*
Conservative Plan
  • Income and Capital growth over a long term investment horizon
  • Investment primarily in debt/money market mutual funds with some exposure to equity mutual funds
Moderate Plan
  • Capital growth and Income over a long term investment horizon
  • Investment in a basket of equity mutual funds, debt/money market mutual funds and Gold ETFs
Aggressive Plan
  • Capital growth over a long term investment horizon
  • Investment primarily in equity mutual funds with some allocation to debt/money market mutual funds and Gold ETFs

*Investors should consult their financial advisers if in doubt about whether the product is suitable for them.

Conservative Plan The objective of the Plan is to provide long term total return primarily by seeking income through investments made in debt/money market mutual funds with some exposure to equity mutual funds.
Moderate Plan The objective of the Plan is to provide long term total return by seeking capital appreciation and income through investments made in a basket of equity mutual funds, debt/money market mutual funds and Gold ETFs.
Aggressive Plan The objective of the Plan is to provide long term total return by seeking capital appreciation through investments made primarily in equity mutual funds with some allocation to debt/money market mutual funds and Gold ETFs.
Fund Manager:
Mr. Rajat Jain
Allotment Date:
December 14, 2015
Benchmark:
Conservative Plan Composite Benchmark*
*consisting of 85% CRISIL Short Term Bond Fund Index and 15% Nifty 50 Index
Moderate Plan Composite Benchmark*
*consisting of 60% CRISIL Short Term Bond Fund Index and 40% Nifty 50 Index
Aggressive Plan Composite Benchmark*
*consisting of 20% CRISIL Short Term Bond Fund Index and 80% Nifty 50 Index
Asset class / instrument Range of Constraints for Asset Allocation in ‘Conservative’ Plan Risk associated to asset class
Floor Ceiling
Units of Equity Mutual Fund 0 30 High
Units of Debt / Liquid Mutual Funds* 70 100 Low to Medium
Asset class / instrument Range of Constraints for Asset Allocation in ‘Moderate’ Plan Risk associated to asset class
Floor Ceiling
Units of Equity Mutual Fund 20 60 High
Units of Debt / Liquid Mutual Funds* 40 80 Low to Medium
Units of Gold Mutual Funds /ETFs 0 10 High
Asset class / instrument Range of Constraints for Asset Allocation in ‘Aggressive’ Plan Risk associated to asset class
Floor Ceiling
Units of Equity Mutual Fund 70 90 High
Units of Debt / Liquid Mutual Funds* 10 30 Low to Medium
Units of Gold Mutual Funds /ETFs 0 10 High

The Scheme/Plan will have two Sub-Plans# i.e. Regular Sub-Plan & Direct Sub-Plan with a common portfolio and separate NAVs. Investors should indicate the Sub-Plan for which the subscription is being made by indicating the choice in the application form.

Each of the Sub-Plans mentioned above offers Growth Option.

# Direct Sub-Plan is only for investors who purchase /subscribe Units in a Scheme directly with the Fund. This Sub-plan is not available for investors who wish to purchase/ subscribe units through a Distributor – such investors have to subscribe for Regular Sub-Plan.

Regular Sub-Plan and Direct Sub-Plan have the same features (i.e. Investment Objective, Asset Allocation Pattern, Investment Strategy, Risk factors) and Facilities offered including terms and conditions except that Direct Sub-Plan shall have a lower expense ratio excluding distribution expenses, commission, etc and no commission for distribution of Units will be paid / charged under Sub-Direct Plan.

Exit Load: Nil

Minimum application amount will be 5,000/- and any amount thereafter under each Plan/Sub-Plan.

3.00 p.m.

In respect of purchase/switch-in of units for an amount equal to or more than 2 Lakhs, the closing NAV (Net Asset Value) of the day shall be applicable subject to realisation of the funds upto 3.00 p.m. and receipt of application (duly time stamped).

Scheme Name Expense Ratio*
Regular Plan Direct Plan
Principal Asset Allocation Fund-of-Funds - Conservative Plan 0.60% 0.10%
Principal Asset Allocation Fund-of-Funds - Moderate Plan 0.92% 0.12%
Principal Asset Allocation Fund-of-Funds – Aggressive Plan 0.97% 0.27%

*GST on Management Fees and proportionate charge in respect of sales beyond T-15 cities subject to maximum of 30 bps on daily net assets are charged in addition to the above stated Expense Ratios.

Expense ratios do not include underlying fund fees.

SIP / RWP / STP: Available

Minimum No. & Amt.

Systematic Investment Plan: Minimum Six installments of 2000/- each.

Systematic Transfer Plan: Minimum Six installments of 1000/- each.

Regular Withdrawal Plan: Minimum Six installments of 500/- each.