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UTI Multi Asset Fund - Long Term Capital Appreciation - Investment in Equity, Debt and Gold Etfs with a Minimum Allocation of 10% in Each Asset Class

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UTI Multi Asset Fund - Long Term Capital Appreciation - Investment in Equity, Debt and Gold Etfs with a Minimum Allocation of 10% in Each Asset Class This product is suitable for investors who are seeking*: UTI Multi Asset Fund - Long term capital appreciation - Investment in equity, debt and Gold ETFs with a minimum allocation of 10% in each asset class • Investors should consult their financial advisors if in doubt about whether the product is suitable for them is suitable for them MUTUAL FUND INVESTMENTS ARE SUBJECT TO MARKET RISKS, READ ALL SCHEME RELATED DOCUMENTS CAREFULLY. Every asset class has a role & suitability in an investment portfolio 2 Role in one’s portfolio Potentially suitable for Equity Growth & wealth creation Medium to Long term Arbitrage Portfolio Hedge Short to medium term Stability & Income potential Medium to long Term Debt Hedge & Portfolio Medium to long Term Gold diversifier However, no asset class can go on performing year after year 3 Year Nifty 50 TRI Debt Gold Top performer 2009 77.6% 3.50% 24.25% Equity 2010 19.2% 4.96% 23.17% Gold 2011 -23.8% 6.90% 31.81% Gold 2012 20.4% 9.38% 12.27% Equity 2013 8.10% 3.79% -4.50% Equity 2014 32.9% 14.31% -7.91% Equity 2015 -3.0% 8.63% -6.65% Debt 2016 4.4% 12.93% 11.35% Debt 2017 30.3% 4.69% 5.12% Equity 2018 5.60% 5.90% 7.50% Gold 2019 13.48% 10.72% 24% Gold “The first thing is you should have strategic asset allocation mix that assumes that you don’t know what the future is going to hold ” Ray Dalio Equity – Nifty 50 TRI , Debt - Crisil Composite Bond Fund Index, Gold - Gold prices in INR. Source : Mutual Funds India Explorer. Past performance may or may not be sustained in future And hence the need for investor is … 4 1 To abstain from predicting the market winners 2 To choose right mix of Asset Allocation based on investment objective Asset allocation - the key driver of portfolio return 5 100.00% 91.50% 90.00% 80.00% 70.00% 60.00% 50.00% 40.00% 30.00% 20.00% 10.00% 4.60% 2.00% 2.10% 0.00% Market timing Other Stock Selection Asset Allocation Source: www.KefferFinancialPlanning.com Investor needs to choose between view based or model based allocation 6 View based Asset Model based Asset allocation allocation ✓ Based on individual ✓ Based on respective market view model inputs ✓ Tactical orientation ✓ Strategical orientation ✓ Discretionary rebalancing ✓ Automatic rebalancing ✓ Extreme range of ✓ Range bound allocation allocation ✓ Suitable for aggressive ✓ Suitable for moderately investors Risk takers Investor can choose based on his goal ,income, time horizon & risk tolerance Benefits of model based approach 7 Evidenced based Responsive to market Dynamic depending Guided allocation Eliminates the need of predictive allocation direction & valuation upon market behavior without biases manual market timing Advantage of a single fund for asset allocation 8 Allocation across asset classes Eliminates hassle free market rebalancing temptations & cost- / biases efficient Multi No strategies Operational for issues & optimized paper work result Debt Equity + Arbitrage Gold Presenting A dynamically managed multi asset fund Product Positioning 10 UTI CCF- Investment Plan High High risk UTI Hybrid Equity Fund UTI Multi Asset Fund UTI ULIP UTI CCF-Savings UTI RBP Medium risk UTI Equity Savings Fund UTI Regular Savings Fund Low Low risk UTI Arbitrage Fund Low return Medium Return High return 3 factors in house model for dynamic equity allocation 11 Key factors analysis Dividend Yield , Price to Earnings & price to book 1 Linear regression Model to predict Weekly output & calculation of model future returns 2 equity weight Portfolio weight is changed if model equity weight Finalization of portfolio equity weights 3 differs by 6% from current Portfolio Equity weight When equity When Equity valuation Valuation goes up In house model facilitates “buying low & comes down selling high without emotional bias Exposure to Exposure to equity comes equity goes down up 10,000 11,000 8,000 9,000 4,000 5,000 6,000 7,000 Model Jan-12 Mar-12 - May-12 returns vs expected Return Actual Jul-12 Sep-12 Nov-12 Jan-13 Mar-13 May-13 Model has been capturing direction direction of the market Model has beencapturing Jul-13 Sep-13 Nov-13 Jan-14 Mar-14 May-14 Jul-14 Sep-14 Nifty Nov-14 Jan-15 Mar-15 Actual Return Actual May-15 Jul-15 Sep-15 Nov-15 Jan-16 Mar-16 Return Expected May-16 Jul-16 Sep-16 Nov-16 Jan-17 Mar-17 May-17 Jul-17 Sep-17 Nov-17 Jan-18 Mar-18 May-18 Jul-18 -20.0% -10.0% 0.0% 10.0% 20.0% 30.0% 40.0% 50.0% 60.0% 70.0% 12 Net equity level vs Nifty & performance of In house model 13 Period Model Benchmark Alpha Date Nifty Model Equity Equity Market Result Portfolio level direction Weights Weights movement (From) (To) till next rebalancing CY 12 22.8% 18.8% 3.97% 28/01/18 11,070 Decrease 46.5 40.0 -2% Positive CY 13 9.0% 7.8% 1.24% 24/06/18 10,822 Increase 38.9 45.0 6% Positive CY 14 22.3% 21.1% 1.21% CY 15 2.6% 0.7% 1.96% 12/08/18 11,430 Decrease 46.0 40.0 -10% Positive CY 16 5.7% 4.1% 1.61% 07/10/18 10,316 Increase 38.8 47.5 7% Positive CY 17 18.5% 21.0% -2.53% 04/08/19 10,997 Increase 47.5 52.5 8.36% Positive CY 18 5.7% 4.4% 1.26% CY 19 10.4% 10.1% 0.23% 05/11/19 11,917 Decrease 53.56 47.5 1% Negative Std Deviation 1.2% 1.1% 02/12/19 12,048 Decrease 48.5 40.0 ? ? Model portfolio - Alpha ranges between 1% to 4% Periodic trigger by model based on market direction approx. on calendar year basis & success ratio in last 23 months Data source: internal Fund’s Net equity level vs Nifty 14 60 12500 55.98 54.58 12000 55 52.44 11500 49 50 48.75 48.63 48 46.92 11000 45 43.29 43.68 42 42 42.22 42.13 10500 41 39.74 40 10000 35 9500 Unhedged Equity (LHS) NIFTY (RHS) Exposure in net equity vis a vis Nifty level reflecting “buy low & sell high” Fund’s broad investment framework 15 No of stocks Investment Style Blend strategy with growth tilt ( Targeted) 35 - 45 Weighted avg Capitalization Atleast 75%-80% in L cap, balance in M cap & 0% in S cap M Cap Around 2.50 lac crs Net equity range 40% - 80% Debt range 10% -25% Arbitrage range 0% to 25% Gold range 10% to11% L - Large , M - Mid , S - Small Investment Strategy across asset class 16 1 Top Down & Bottom UP approach for managing its stock & sector exposures. 2 Stock Selection will be fundamental driven. Arbitrage positions by shorting Index futures / existing stocks and 3 through new opportunities Focus on accrual strategy . Investment in shorter to medium duration 1 papers based on in-house views. 2 Focus on credit & liquidity across securities spectrum 1 Allocation to Gold as portfolio diversifier Portfolio commentary & Internal guidelines 17 Fund Digest Sector Weights* In the first week of December 2019, due to rise in the market with nifty trading closer to 12050, our in house quant model 35% or Benchmark plus 12% indicated decrease in the net equity weight to 40%. (Whichever is Lower) Accordingly, rebalancing was carried out by increasing the arbitrage position to reach the net equity weight to 40%. Stock Weights* Not more than 9.5% in a given stock The fund follows a blend of growth and value with a tilt and not more than 50% in the top 10 towards growth for its stock selection.The fund reduced its stocks position in Pharma and Energy sector in the month of Dec 2019. Company Exposure* Fund exposure is more oriented towards private banks given Not more than 7% of company’s equity their better risk profile, earning visibility, strong capital position and ability to gain market share. Cash Limit The fund may continue to maintain underweight/neutral position in auto sector in view of volume slowdown in 5% of the portfolio 2W/PV/CVs. In view of the gold prices increasing to $1575/ounce in the Indicative Market Cap Exposure* world market in the first week of Jan 2020, weight of the UTI Gold ETF increased to more than 11%. Biased towards Large caps Accordingly, the fund sold some quantity of gold as to reduce its weight below 11%. The fund would intend to maintain the exposure to gold in the range of 10% -11%. * The weights and exposure refers to only equity portion of the scheme Portfolio (Equity Composition) 18 Equity Top 20 Holdings Act Weight % to NAV % to NAV (Rebased to Unique Stocks STOCK NAME SECTOR (Gross (Net equity) 100) (As compared to S&P BSE 200 – Equity benchmark) equity) HDFC BANK LTD. BANKS 6.51 3.4 -0.15 ICICI BANK LTD BANKS 6.12 3.95 4.20 STOCK NAME SECTOR % to NAV STATE BANK OF INDIA BANKS 3.88 2.26 3.55 AXIS BANK LTD. BANKS 3.67 2.1 2.43 SUNDRAM FASTENERS LTD AUTOMOBILE 1.72 PETROLEUM RELIANCE INDUSTRIES LTD. 3.63 2.13 -2.31 PRODUCTS TATA CONSULTANCY SERVICES SOFTWARE 3.42 2.34 2.14 Active Stock positions LTD. CONSTRUCTION (as compared to Benchmark) LARSEN & TOUBRO LTD. 3.33 1.77 1.84 PROJECT INFOSYS LTD. SOFTWARE 3.27 1.65 -0.26 Overweight (Top 5) Underweight (Top 5) BHARTI AIRTEL LTD.
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