HDFC Life Flexi Cap Fund

HDFC Life Flexi Cap Fund is a newly launched New Fund Offering (NFO) offered by HDFC Life. It is an open-ended equity scheme that invests across the market capitalization spectrum, including large-cap, mid-cap, and small-cap funds. The fund manager has the flexibility to invest in companies that are best positioned to generate returns, regardless of their market size.

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What is HDFC Life Flexi Cap Fund?

HDFC Life Flexi Cap Fund is a newly launched New Fund Offering (NFO) provided by HDFC Life. It falls under the category of a flexi-cap fund, which means it has the flexibility to invest across the market capitalization spectrum. This includes large-cap, mid-cap, and small-cap funds. This versatility allows the fund manager to make investments in companies based on their potential to generate returns, irrespective of their market size.

The fund uses a dynamic asset allocation strategy, which means that the asset allocation between equity and debt is adjusted based on the market outlook. This helps to reduce risk and maximize returns over the long term.

The fund is eligible for tax benefits under Section 80C of the Income Tax Act, 1961. This means that investors can deduct up to ₹1.5 lakhs from their taxable income for the amount invested in the fund.

Overall, HDFC Life Flexi Cap Fund is a good option for investors who are looking for a fund with the potential to generate high returns over the long term

Highlights of the HDFC Life Flexi Cap Fund

Aspect Details
Investment Objective To generate capital appreciation/income from a portfolio, predominantly invested in equity & equity-related instruments.
Benchmark Index S&P BSE 500
Risk Profile Moderate Risk
NFO Start Date Pre NFO: 29th September 2023
NFO Launch Date: 12 October 2023
Fund Launch: 26th October 2023
Current NAV ₹10 (as of 29th September 2023 till 25th October 2023)
Minimum Investment ₹2,100/month (if buying HDFC Life Capital Guarantee Plan)

Reasons Why You Should Invest in HDFC Life Flexi Cap Fund

Here are the reasons why you should invest in HDFC Life Flexi Cap Fund:

  • Strong Historical Performance: HDFC Life’s funds have demonstrated impressive performance over the last five years, with a return of 22%. This indicates a track record of delivering above-average returns, showcasing the fund's ability to generate wealth for its investors.

  • Long-Term Growth Potential: The HDFC Life Flexi Cap Fund presents an opportunity for long-term capital appreciation. This indicates that the fund has the potential to provide stable and consistent growth over an extended period, aligning with investors' long-term financial goals.

  • Additional Benefits with Click2Wealth: Investors can access the HDFC Life Flexi Cap Fund through Click2Wealth with no additional charges. Moreover, they enjoy an extra 1% allocation from the first month onwards. This not only helps in enhancing the investment value but also reduces initial costs associated with fund allocation.

People also read: HDFC Life Midcap Momentum Fund

Why are the Flexi Cap Funds a Smart Investment?

Investing in a Flexi Cap Fund is a smart choice for several reasons:

  • Timely Switching between Market Caps: Switching between large-cap, mid-cap, and small-cap investments at the right time is a complex task. It requires a deep understanding of market trends and can impact overall performance. A Flexi Cap Fund is managed by professionals who have the expertise to make these switches strategically, potentially leading to higher returns.

  • Identifying Strong Companies: Flexi Cap Funds focus on identifying companies with strong growth potential, effective management, and robust business models. This careful selection can contribute to the fund's overall performance.

  • No Constraints on Stock or Sector Allocation: Unlike some other funds that may have restrictions on the types of stocks or sectors they can invest in, Flexi Cap Funds have the flexibility to allocate resources where they see the most potential. This adaptability is crucial for responding to changing market conditions.

  • Stability of Large Caps and Growth of Mid and Small Caps: By combining large-cap stability with mid-cap and small-cap growth potential, Flexi Cap Funds aims to provide a balanced approach to investing. This can lead to a well-rounded and diversified portfolio.

  • Broader Diversification for Managing Volatility: Flexi Cap Funds offer broader diversification across sectors, which helps in managing the inherent volatility of the stock market. This can be particularly important during uncertain times.

  • Ability to Manage Various Market Cycles: Due to its ability to invest across market capitalizations, a Flexi Cap Fund is well-equipped to navigate different market cycles. It can take advantage of market rallies by investing in mid and small caps, and seek stability and protection of returns by investing in large caps during market corrections.

  • Most Diversified Option: Flexi Cap Funds offer the flexibility to invest across market capitalizations, including large-cap, mid-cap, and small-cap companies. This diversity spreads risk and provides exposure to a wider range of opportunities.

flexicap-marketwinners flexicap-marketwinners

In the world of investments, shifting between large, mid, and small-cap stocks is like dancing on a tightrope - a misstep could cost you dearly in overall performance.

A Flexible Allocation can help get higher returns

Investment in Flexi-Cap Funds is IMPORTANT!

Illustration of the HDFC Life Flexi Cap Fund NFO

In the year 2003, Arpita decided to invest ₹1 Lakh in the BSE 500 Index, with an expected rate of return of 18%.
Using the SIP Calculator, you can see that, 

Her investment has not just multiplied but soared to an astounding ₹1.73 Cr.
This is the magic of Flexi Cap Fund

People Also Read: HDFC Large and Midcap Fund

Flexi Cap Fund with the Power of 3

Diversity lies at the heart of this innovative investment strategy. By spreading investments across various sectors, industries, and market caps, the Flexi Cap Fund ensures that it is not overly reliant on a single area of the market. 

flexi-cap-powerof3 flexi-cap-powerof3

Performance of Flexi Cap Fund – Fund for All Seasons

Flexi-cap funds, also known as multi-cap funds, are a category of funds that offer flexibility in their investment strategy. They are called “All–in–one” equity funds, where one can invest across Large Cap/Mid-Cap/Small Cap Funds. It helps in navigating volatile times with more flexibility.

Returns in the last 10 years
Large Cap Funds 15%
Mid Cap Funds 22% 
Small Cap Fund 22%

About HDFC Life

  • HDFC Life is one of the leading life insurance companies in India.

  • As of September 28, 2023, HDFC Life's total Assets Under Management (AUM) are of ₹2,50,000 Cr.

  • HDFC Products provide flexibility in terms of PT (Policy Term)/PPT(Premium Paying Term).

  • HDFC Life has a strong track record of historical returns.  

  • HDFC Life has been at the forefront of digital innovation in the life insurance sector. 

  • The company offers a variety of online and mobile-based services to its customers, making it easy for them to buy and manage their policies.

People Also Read: HDFC Life Bluechip Fund

What are the Benefits of Purchasing the HDFC Life Flexi Cap Fund from Policybazaar?

Investing in HDFC Life Flexi Cap Fund through Policybazaar offers a range of valuable benefits:

  • Convenience: With Policybazaar, you can invest in the HDFC Life Flexi Cap Fund online, eliminating the need for physical visits to banks or insurance agents.

  • Comparison: Policybazaar provides a platform to compare various plans, including new funds. This ensures that you have all the necessary information to make an informed decision and secure the best deal available in the market.

  • Expert Guidance: Policybazaar boasts a team of financial experts who are ready to assist you in selecting the most suitable NFO plan based on your specific requirements and financial goals. 

  • Tax Advantages: Investing in the HDFC Life Flexi Cap Fund through Policybazaar can lead to tax benefits. The platform helps you understand and navigate the potential tax advantages associated with your investment, optimizing your financial planning.

  • Easy Redemption: When redeeming your NFO investment, Policybazaar provides a seamless process, subject to the terms and conditions specified in the NFO agreement.

How to Buy HDFC Life Flexi Cap Fund from Policybazaar?

To buy HDFC Life Flexi Cap Fund from Policybazaar, follow these steps:

Step 1: Go to the Policybazaar website or open the Policybazaar app. Log into your existing account or create a new one if you don't have an account yet.

Step 2: Once logged in, you'll be prompted to fill in your name, city, age, and contact numbers in the provided form. This information will be used to check the personalized benefits of the plans.

Step 3: After providing your personal information, you'll be presented with a list of available HDFC Life Plans. Select the HDFC Life Flexi Cap Fund option that best suits your needs from the following options:

  • HDFC Life Capital Guarantee Solution

  • HDFC Life Click2Wealth

  • HDFC Life Click2Invest

  • HDFC Life 200% Capital Guarantee Income Solution

  • HDFC Sampoorn Nivesh

Step 4: If you're interested in the Flexi Cap Fund, click on the "Get Details" tab for more information.

You can also get FREE expert consultation, just click on talk to expert button. 

Step 5: Review the details of the plan carefully. Once you're satisfied, click on the "Proceed" button and follow the prompts displayed on the screen to move forward with the purchase.

Step 6: You will be prompted to enter essential details and specify the amount you want to invest. Select the preferred mode of payment for your investment.

Step 7: Provide your KYC (Know Your Customer) details as required. This step is essential for regulatory compliance.

Step 8: Complete the payment process. Upon successful payment, you will receive confirmation of your purchase.

People Also Read: HDFC Mid Cap Opportunities Fund

FAQ's

  • Under which plan can we avail the benefits of HDFC Flexi Cap Fund?

    HDFC Flexi Cap Fund is offered in the following plans:
    • HDFC Life Capital Guarantee Solution

    • HDFC Life Click2Wealth

    • HDFC Life Click2Invest

    • HDFC Life 200% Capital Guarantee Income Solution

    • HDFC Sampoorn Nivesh

  • Is it good to invest in HDFC Flexi Cap Fund?

    If you are looking for a fund with the potential to generate high returns over the long term and you have a moderate to high risk appetite, then HDFC Flexi Cap Fund can be a good option for you.
  • Who should invest in HDFC Life Flexi Cap Fund?

    HDFC Life Flexi Cap Fund is suitable for investors who:
    • Are looking for a fund with the potential to generate high returns over the long term

    • Have a moderate to high risk appetite

    • Are willing to invest for at least 5 years

    • Are looking for a tax-efficient investment option

  • How does the HDFC Flexi Cap Fund benchmark its performance? 

    The HDFC Flexi Cap Fund uses the S&P BSE 500 Index. It is one of the leading indices representing the performance of the Indian equity market.
  • What are the tax implications under the HDFC Flexi Cap Fund? 

    Investors can avail of tax advantages under Section 80C of the Income Tax Act, 1961, which allows a deduction of up to ₹1.5 lakhs from their taxable income for the sum invested in the fund. The Section 10(10D) benefits can also be utilized by the policyholder if the yearly premium paid is below Rs. 2.5 lakh.

*Past 5 Year annualised returns as on 01-05-2024
*All savings plans are provided by the insurer as per the IRDAI approved insurance plan. Tax benefit is subject to changes in tax laws. Standard T&C Apply
^The tax benefits under Section 80C allow a deduction of up to ₹1.5 lakhs from the taxable income per year and 10(10D) tax benefits are for investments made up to ₹2.5 Lakhs/ year for policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.
#The lumpsum benefit is calculated if policyholder invested ₹10000 monthly for 10 years in the fund with a policy term of 20 years. This Point To Point past performance data of last 10 years has been used to illustrate a scenario for the customers benefit. It is assumed that the past 10 years returns would have also been delivered in last 20 years. This is not guaranteed and not in anyway indicative of what the customer may actually get 20 years from now. The investment is subject to market risk and the risk is borne by the policyholder.

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Fund Reviews & Ratings
4.7 / 5 (Based on 10 Reviews)
(Showing Newest 10 reviews)
Neha
Bilaspur, October 16, 2023
Investing with Confidence
I have had a positive experience with HDFC Flexi Cap Fund. Its proven to be a reliable choice for my investment goals. The funds performance aligns well with my expectations and I appreciate the versatility it offers. Additionally PolicyBazaars customer service has been outstanding. They have a customer centric approach and are always ready to guide you through the investment process.
Sandeep
Lucknow, October 15, 2023
A Rewarding Investment Experience
HDFC Flexi Cap Fund has been a cornerstone of my investment portfolio. Its ability to adapt to market dynamics is truly praiseworthy. I have experienced steady growth in my investments even during challenging times. PolicyBazaars customer service is exceptional. Their representatives are well informed and always ready to address any concerns promptly.
Rakesh
Noida, October 14, 2023
Exceeding Expectations
HDFC Flexi Cap Fund has exceeded my expectations. The funds ability to switch between different market segments is truly commendable. I have seen impressive growth in my investments and I feel confident about its future performance. PolicyBazaars customer service has been outstanding. They are responsive, knowledgeable and always eager to assist.
Meera
Raipur, October 14, 2023
Wise Investment Choice
I have been investing in HDFC Flexi Cap Fund for a while now and it has proven to be a wise choice. The funds flexibility has helped me navigate through market uncertainties. The returns have been satisfactory and I have confidence in the funds long term potential. PolicyBazaars customer service has been a pleasant surprise they are prompt helpful and make the investment process a breeze.
Kavita
Gurgaon, October 13, 2023
Reliable and Balanced Fund Type
HDFC Flexi Cap Fund has been a reliable investment option for me. Its dynamic approach to market trends has helped maintain a healthy balance in my portfolio. I am happy with the returns so far. I must also commend PolicyBazaars customer service. They have a friendly and efficient team always ready to guide you through the investment process.
Amit
Goa, October 12, 2023
Robust and Flexible
I am quite pleased with HDFC Flexi Cap Fund. Its proven to be a robust choice for my investment goals. The funds performance aligns well with my expectations and I appreciate the flexibility it offers. Additionally PolicyBazaars customer service has been topnotch. They have a proactive approach and are quick to address any queries or concerns.
Sanjay
Pune, October 11, 2023
Shielding Investments
I have had an excellent experience with HDFC Flexi Cap Fund. The diversification across market segments has shielded my investments from significant downsides. The fund managers insights and expertise are reflected in the returns. Whats even better is the ease of investment through PolicyBazaars platform. Their user friendly interface and customer service have been exceptional.
Anita
Ranchi, October 11, 2023
Steady Gains and Superb Service
HDFC Flexi Cap Fund has been a cornerstone of my investment portfolio. Its ability to capture growth across market caps is commendable. I have witnessed steady gains even during volatile times. As for PolicyBazaar their customer service has been a standout feature. The representatives are knowledgeable, patient and always ready to assist.
Priya
Mumbai, October 10, 2023
Dynamic Investment Choice
HDFC Flexi Cap Fund has truly lived up to my expectations. The funds ability to adapt to changing market conditions is impressive. I have seen good growth in my investments and I feel confident about its long term potential. The ease of managing my investments through Policybazaars platform adds to the convenience.
Rajesh
Delhi, October 09, 2023
Exceptional Performance and Transparency
I have been investing in the HDFC Flexi Cap Fund for over a year now and I must say its been a rewarding experience. The funds flexibility in asset allocation has allowed me to ride the market waves effectively. The returns have been consistent and the fund managers seem to have a good grasp of market trends. I appreciate the transparency in reporting as well.
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