TATA AIA Multicap Momentum Quality Index Pension Fund
Tata AIA Multicap Momentum Quality Index Pension Fund is as a low-cost pension plan with tax benefits and no medical requirements. It emphasizes the fund's investment strategy of selecting the top-performing stocks across large, mid, and small-cap companies based on momentum and quality factors. This rule-based, passive investing approach aims to mimic the index, eliminate fund manager bias, and deliver high returns, demonstrated by a 10-year return of 22.9%. The New Fund Offer (NFO) launches from February 15th to 28th, 2025.
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Plans starting from₹1000/month
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Investment Plans
Generate wealthEarn 1 Cr# in maturity with Zero LTCG tax¶
Double tax savings^On premiums (under 80C) and on maturity (under 10(10D))
TATA AIA Multicap Momentum Quality Index Pension Fund
What is the TATA AIA Multicap Momentum Quality Index Pension Fund?
The TATA AIA Multicap Momentum Quality Index Pension Fund invests in the top performing 50 financially stable stocks. These stocks are selected from the top 500 stocks in the index across large, mid, and small-cap categories. The fund utilizes a momentum and quality strategy, selecting companies that have demonstrated high returns over the last 6 and 12-month period. The fund aims to promote winners and demote losers by including stocks with high returns and less volatility, while removing stocks with relatively poor returns or high volatility.
The fund operates on a rule-based investing approach, employing formulas or algorithms without manual intervention, thus removing any fund manager bias. TATA AIA replicates the index declared by NSE, which is rebalanced semi-annually in June and December.
Highlights of TATA AIA Multicap Momentum Quality Index Pension Fund
Particulars
Details
Benchmark Index
NIFTY 500 Multicap Momentum Quality 50 Index
Benchmark Index Returns
10-Year Returns: 22.9% p.a.
Risk Profile
High
NFO Launch Date
15th February 2025
NFO Duration
15th to 28th February 2025
Current NAV
₹10
Minimum Investment
₹3,000 per month
Reasons Why You Should Invest in TATA AIA Multicap Momentum Quality Index Pension Fund
Here are some reasons to consider investing in the Multicap Momentum Quality Index Pension Fund:
Low-Cost Pension Plan: It is a low-cost pension plan.
Tax Benefits: 60% of the corpus is tax-free, with no limit on premium.
No Medicals: No medical examination is required.
High Return Potential: The fund targets high returns by investing in top-performing stocks. The 10-year return is 22.9%.
Diversification: It provides access to the top 10% of stocks across all market caps and various sectors, reducing risk through diversification.
Rule-Based and Passive Investing: The fund mimics the index, operates without fund manager bias, and follows a rule-based investment approach.
Growth: Over a 10-year period, the Multicap Momentum Quality Index grew by 7.84 times.
NFO: The New Fund Offer (NFO) is launching on February 15th till February 28th, 2025. Units are available at Rs. 10 NAV.
What is the NIFTY 500 Multicap Momentum Quality 50 Index?
The NIFTY 500 Multicap Momentum Quality 50 Index combines quality and momentum factors. It invests in the top 10 large-cap, 15 mid-cap, and 25 small-cap stocks from their respective universes. This index includes stocks with high returns, less volatility and removes stocks with relatively poor returns or high volatility. The index is rebalanced semi-annually in June and December
NIFTY 500 Multicap Momentum Quality 50 Index vs Other Indices
The NIFTY Multicap Momentum Quality index has the highest returns compared to other indices5:
Index Name
5 - year return
10 - year return
NIFTY Multicap Momentum Quality
30.7%
22.9%
NIFTY 500
19.7%
14.0%
NIFTY Midcap 150
28.4%
18.8%
NIFTY 100
16.9%
12.8%
NIFTY 50
16.4%
12.4%
NIFTY Smallcap 250
31.2%
16.8%
Companies of NIFTY 500 Multicap Momentum Quality 50 Index
How to Buy TATA AIA Multicap Momentum Quality Index Pension Fund from Policybazaar?
To buy the TATA AIA Multicap Momentum Quality Index Pension Fund from Policybazaar, follow these steps:
Step 1: Fill in your name and contact number in the form on this page to get started.
Note: Your details are kept confidential and will only be used to customize your benefits.
Step 2: You can also visit the plans just by clicking view plans below
Step 3: Once logged in, you'll be prompted to fill in your city, age, and annual income in the provided form. This information will be used to check the personalised benefits of the plans.
Step 4: After providing your personal information, you'll be presented with TATA AIA Pension Plans on a blue and red card. Select the TATA AIA Multicap Momentum Quality Index Pension Fund option that best suits your needs from the following option:
TATA AIA Smart Pension Secure
Step 5: In the TATA AIA Multicap Momentum Quality Index Pension Fund, click the "Get Details" tab for more information.
You can also get FREE expert consultation; just click on the talk to an expert button.
Step 6: Review plan details carefully. Once satisfied, click on the "Proceed" button and follow the prompts on the screen to move forward with the purchase.
Step 7: You will be prompted to enter essential details and specify the amount you want to invest. Select the preferred payment method for your investment.
Step 8: Provide your required KYC (Know Your Customer) details. This step is essential for regulatory compliance.
Step 9: Complete the payment process. Upon successful payment, you will receive confirmation of your purchase.
What are the Benefits of Purchasing the TATA AIA Multicap Momentum Quality Index Pension Fund from Policybazaar?
Investing through Policybazaar offers a range of valuable benefits:
Convenience: Skip the hassle of in-person visits to banks or agents by investing in the TATA AIA Multicap Momentum Quality Index Pension Fund online through Policybazaar.
Comparison: Easily compare various investment plans, including new fund offerings (NFOs), to make well-informed decisions and secure the best deals available in the market.
Professional Assistance: Get expert advice from financial professionals who can guide you in selecting the most suitable NFO plan that aligns with your individual financial needs and goals.
Tax Optimization: Maximize your tax benefits by leveraging Section 80C and Section 10(10D) of the Income Tax Act when making investments through Policybazaar.
FAQs
What are the reasons to invest in the Multicap Momentum Quality Index Pension Fund?
This pension fund offers several potential benefits:
It may be a low-cost pension plan with no premium allocation or maturity booster.
60% of the corpus is tax-free, with no limit on the premium.
No medicals are required.
The fund invests in the top 10% of stocks from each market cap (large, mid, and small-cap).
Units are available at Rs. 10 NAV.
The NFO (New Fund Offer) launch date is February 15th, 2025, and the fund launch is February 28th, 2025.
What are the minimum and maximum premium amounts for this pension fund?
The minimum premium amounts are as follows:
Single Pay: Rs 1,00,000
PPT (Premium Paying Term) 5 to 9 years: Rs 10,000 per month
PPT >= 10 years: Rs 3,000 per month
The maximum premium amount has no limit, subject to BAUP (Board Approved Underwriting Policy). The minimum top-up premium is INR 1,000, with no maximum limit
What is the investment strategy of the Multicap Momentum Quality Index Pension Fund?
The fund invests in the top 10% of stocks from each market cap3:
Top 10 from 100 Large Caps
Top 15 from 150 Mid Caps
Top 25 from 250 Small Caps
It invests in the top-performing 50 financially stable stocks that have given high returns over the last 6 and 12-month period. The index is rebalanced semi-annually in June and December.
What is the Momentum & Quality Strategy?
It combines Quality and Momentum:
Momentum Strategy: Focuses on top-performing companies in the last 6 & 12 months.
Quality Strategy: Focuses on financially stable, less volatile companies with long-term growth.
˜Top 5 plans based on annualized premium, for bookings made in the first 6 months of FY 24-25. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For a complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website, www.irdai.gov.in *Past 10 Year annualised returns as on 01-03-2025 *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.
¶Long-term capital gains (LTCG) tax (12.5%) is exempted on annual premiums up to 2.5 lacs. **Returns are based on past 10 years' fund performance data (Fund Data Source: Value Research).
Generate wealthEarn 1 Cr# in maturity with Zero LTCG tax¶
Double tax savings^On premiums (under 80C) and on maturity (under 10(10D))
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