Sundaram Balanced Fund

Sundaram Balanced Fund is managed by Srividya Rajesh and S Bharat. The scheme aims to provide capital appreciation and current income from a balanced portfolio of equities and fixed income securities. If you have already invested, exit now to invest in a better performing fund. New investors can safely skip this fund.

Where does Sundaram Balanced Fund invest your money?

Sundaram Balanced Fund is a balanced fund which invests your money in both equity securities and debt securities. It has more than 66.93% exposure to equity and 27.55% exposure to debt. Its equity portion has large cap bias which means most of your money will be invested in stocks of large sized companies. Sundaram Balanced Fund has 81.72% to large sized companies, 14.43% exposure to mid sized companies and 3.84% exposure to small sized companies.

Its debt portion has allocation in corporate debentures and government securities. It currently holds close to 5.50% of its assets in cash and equivalents such as T-bills, banker’s acceptance and money market instruments.  

Suitable for what?

The following needs if occurring between 3 and 5 years:

  • Child's education
  • Marriage
  • Home Purchase
Not suitable for what?
  •   Long term needs
  •   Creation of wealth
How has Sundaram Balanced Fund performed in the past?

If you had invested Rs 1 lakh when the fund was launched in June 2000, your value of investments would be around Rs 4.46 lakhs. If you had invested Rs 1 lakh for 5 years, your value of investments would be around Rs 1.24 lakhs. The performance has been similar to other funds in this category. 

Assume you had invested Rs 10,000 every month in Sundaram Balanced Fund through SIP for the past 5 years today you would just have around Rs 7.39lakhs.

Our recommendation for fresh investment
Not Recommended
Our recommendation for existing investment
Not Recommended
What are the charges applicable?

A onetime fee of Rs 100 is charged on investments over Rs 10, 000 made through distributors. If you are a first time investor in mutual funds an additional Rs 50 is charged to cover KYC expenses. This is deducted from your investment and can be skipped if you buy directly from the mutual fund via their website or offices.

If units are sold within a year an exit load of 1% is deducted from your total returns. No exit load applies for units withdrawn post one year. Expense ratio of Sundaram Balanced Fund is 2.92%. This is charged to recover the fund management company’s expenses on securities’ transactions, commissions, registrar fees, etc. Your mutual fund returns will be total returns less expense ratio.    

What are the tax implications?

The returns in a mutual fund are absolutely tax free, provided you do not withdraw within 1 year. 

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