HDFC Life Opportunity Fund

HDFC Life Opportunity Fund is an open-ended scheme that provides good returns with lesser risk factors. The HDFC Life Opportunity Fund invests in companies irrespective of their size. The HDFC Life Opportunity Fund ensures growth opportunities in the companies before placing bets on them.

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The HDFC Life Opportunity Fund is equity-based and allocates a significant portion of its equity and capital markets investments. The fund also diversifies into debt instruments such as government bonds, which are long-term and short-term investments. The HDFC Life Opportunity Fund also invests in low-risk assets such as TREPS and other fixed-income instruments for consistent profits.

The HDFC Life Opportunity Fund invests in four types of major schemes as given below:

  • HDFC Life Click 2 wealth opportunities
  • HDFC Life Click 2 Invest opportunities
  • HDFC Life ProGrowth Plus opportunities
  • HDFC Life Smart Woman Plan opportunities

The HDFC Life Opportunity Fund is customized to benefit all sections of society irrespective of their age, profession, and gender. It is a market-linked plan and offers the benefits of capital appreciation along with insurance to the investor's family members. The HDFC Life Opportunity Fund is best-suited for parents, working women, and professionals who have financial goals. Also, the HDFC Opportunity Plan is for investors who need to finance their children's milestones, such as graduation and post-graduation, marriage expenses, or even buying their first home. The HDFC Opportunity Plan offers the dual benefits of equity investment and a term insurance plan for investors and unitholders.

Investment Facts

Parameter

Details

Fund name

HDFC Life Opportunity Fund

Fund House

HDFC Life Insurance Company Limited

Launch Date

Not Available

Benchmark

Not Available

Type

Open-Ended Midcap Equities

Minimum Investment

Rs.1000 per month

Lock-in Period

5 years

Entry Load

Not Applicable

Exit load

Withdrawal of funds only after five years

Return Performance

Very high

Fund Consistency

Very high

Risk Level

Very high


Investment Objective

The primary purpose of the HDFC Life Opportunity Fund is to ensure guaranteed returns for the investors without undertaking financial risks. The HDFC Life Opportunity Fund is suited for investors in pursuit of capital gains without risking capital losses. The market-linked plan is designed with an insurance policy framework and a is based on mutual fund investment model.

The HDFC Life Opportunity Fund consists of lock-in periods and premium payments. The investors need to adhere to guidelines set by the fund house to reap the benefits of the investment. The guidelines and lock-in periods are kept in place to bring mental discipline suitable for investments. The HDFC Life Opportunity Fund also ensures investors stay invested for a more extended period without market sentiments.

The HDFC Life Opportunity Fund invests predominantly in the equity markets, with a portion of its investments in debt and bond markets. The asset allocation ensures that the downside risk is addressed in the fund's holdings. The investor needs to understand and analyze the underlying risk before proceeding to purchase the units. The market-linked fund also offers its investors an insurance-like pay out structure. Also, the investor gets life coverage benefits for his family members, premium waiver option, rider option, etc. The HDFC Life Opportunity Fund ensures the customer enjoys the advantages of both the mutual fund and term insurance policy. The market-linked plan ensures the customer gets higher returns on par with the benchmark stock indices such as NIFTY 50, NIFTY 100, etc., and also offer life coverage and death benefits for his family.

Fund Summary

HDFC Life Click 2 Wealth opportunities

  • Risk level- Very high
  • NAV- 40.66 as of 27 May 2021
  • Expense Ratio-Not Available
  • Fund Started-Not Available

HDFC Life Click 2 Invest Opportunities

  • Risk level-Very high
  • NAV- 40.66 as of 27 May 2021
  • Expense Ratio-Not Available
  • Fund Started-Not Available

HDFC Life ProGrowth Plus Opportunities 

  • Risk level-Very high
  • NAV-40.66 as of 27 May 2021
  • Expense Ratio-Not Available
  • Fund Started-Not Available

HDFC Life Smart Woman Plan Opportunities  

  • Risk level-Very high
  • NAV-40.66 as of 27 May 2021
  • Expense Ratio-Not Available
  • Fund Started-Not Available

Fund Returns Summary

HDFC Life Click 2 Wealth Opportunities Returns

Time Period

 Returns Per Year(Annualized)

6 Months

Not Available

1 year

79.4%

3 years

18.7%

5 years

Not Available

10 years

Not Available

HDFC Life Click 2 Invest opportunities Returns

Time Period

 Returns Per Year(Annualized)

6 Months

Not Available

1 year

79.4%

3 years

11.4%

5 years

15.1%

10 years

Not Available

HDFC Life ProGrowth Plus Opportunities Returns

Time Period

 Returns Per Year(Annualized)

6 Months

Not Available

1 year

79.4%

3 years

11.4%

5 years

15.1%

10 years

Not Available

HDFC Life Smart Woman Plan Opportunities Returns

Time Period

 Returns Per Year(Annualized)

6 Months

Not Available

1 year

79.4%

3 years

11.4%

5 years

15.1%

10 years

Not Available

Summative Pros And Constable

Pros

Cons

Provides the benefits of both insurance plan and mutual fund plan

Lock-in period of 5 years

Higher returns for long term investments

No premature withdrawal is allowed

Provides death benefits, maturity benefits

Highly volatile in accordance to the market swings

5 year returns higher than category returns

The possibility of Capital loss is high

1 year returns higher than category returns

Switching charges for changing from one fund to another

Coverage extended to family members of the investor

Age restrictions for entry and exit

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply

Benefits of HDFC Life Opportunity Fund

The HDFC Life Opportunity Fund is an excellent option for those looking to save and accumulate for realizing their financial goals such as higher education, leisure trip to a dream destination, children's milestones such as their marriage. The fund is also apt for working women and single mothers to financially secure their future. The fund can also be utilized to treat health-related issues such as fighting cancer, etc. Some of the key benefits of the fund are as follows.

  • Risk-Averse Investment- The HDFC Life Opportunity Fundis best suited for investors with less risk appetite and seek returns on par with the market indices. The fund is best suited for novice investors with limited knowledge of investments and capital markets. The fund is open-ended and predominantly invests in Midcap stocks by anticipating various factors such as the growth potential of the companies, economic situation, infrastructure, exports, and rural growth. It is more suitable for investors who are patient enough to let the market do its work, hence, leaving the money in the market for minimum 5 years can bring profitable results.
  • Performs better than the benchmark indices-The HDFC Life Opportunity Fund has beaten the market indices such as NIFTY 50, NIFTY 100, NIFTY Midcap, etc., consistently with a 5 year annualized return of 15%. The fund manager takes advantage of the market corrections and volatility to consolidate the fund's position in the stock market. The fund has a track record of beating the market returns by a considerable profit margin. The fund also invests in other money market instruments such as debt and bonds to beat inflationary and deflationary effects related to the new economic factors and policies.
  • Reliability and safety- The HDFCLife Opportunity Fund is known for generating decent returns to its investors over a long period. The HDFC Opportunity Fund has a proven track record which makes it more reliable than its peers. Its customers have lauded the dual benefits of the capital markets-linked returns and the stability of the insurance plan. The fund house has ensured a safety net and its consistent performance to offer its customers several benefits ranging from capital appreciation to pay out benefits.
  • The diversification of funds- The HDFC Life Opportunity Fundhas allocated its capital wisely by choosing Midcap companies with a good management team and efficient business models to ensure constant growth and maintain a competitive advantage over its rivals. The HDFC Life Opportunity Fund invests in Cholamandalam Investment and Finance co ltd, Voltas Ltd, Mphasis Ltd, Page Industries Ltd, Federal corp, etc. The fund invests over 90% of its capital in medium-sized companies with high earnings and profit margins.
  • Benefits of financial freedom and coverage- The HDFC Life Opportunity Fundcan be customized to generate additional pay outs, in terms of insurance plans. The investor who wants to save and accumulate a significant amount to achieve financial freedom and other personal goals must consider the HDFC Life Opportunity Fund as an investment vehicle. The fund offers different variants following the risk tolerance level of the investor. The fund house has asserted a lock-in period for the investor to prevent premature withdrawals during market fluctuations.
  • Investments across sectors-The HDFC Life Opportunity Fund has a diversified portfolio with its investments spread across different sectors with varying weightage. For instance, the fund has equal weightage for non-banking financial sectors, software services sectors, manufacturing sectors, etc. It provides lesser weightage to companies in financial services, pharmaceutical industry, banking industry, cement industry, etc. The fund has also invested in cyclical stocks to take advantage of price rises in the commodities sector.
  • Multiple investment choices -The HDFC Life Opportunity Fundprovides multiple investment options for its customers. The unit holder can purchase the fund units in a single lump sum or pay small amounts every month. The investor can also buy units on a quarterly and semi-annual basis according to his convenience. The investors can purchase the fund units directly on the official website of the fund house or through distributions.

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply

Fund House Details

HDFC Life is a famous company in the insurance business. HDFC Life offers several services related to insurance. The company's products include health insurance, child insurance, term insurance, and retirement and pension solutions. HDFC Ltd and Standard Life Aberdeen jointly own HDFC Life.

HDFC Ltd

Housing Development Finance Corporation Ltd is a large company with a diversified business in banking, finance, housing finance, and insurance. HDFC Ltd is a publicly listed company in the Indian stock exchanges such as the NSE and the BSE. The backbone of the company is its banking sector which serves a vast customer base in India. Several corporate companies prefer the bank for its lending activities. The HDFC Bank has office branches even in the remotest location of the country, with well-functioning networks of ATMs available for the benefit of its customers.

Standard Life Aberdeen Plc

Standard Life Aberdeen Plc is a globally acclaimed financial service provider based in the United Kingdom. The company is well-recognized across Europe and offers investment advice to international clients. The company has subsidiaries such as Standard Life Mauritius. The subsidiary company is unlisted and privately owned. The company provides risk management services and offers global investment guidelines to HDFC Life Ltd.

Who should invest in HDFC Life Opportunity Fund?

The HDFC Opportunity Fund is for investors with long-term financial goals such as saving for children's education, marriage. The fund is also for meeting emergency medical expenses. The HDFC Opportunity Fund is for those who are seeking:

Capital gains:

The fund provides the investors with steady returns annually despite the market sentiments and global economic uncertainties. The HDFC Opportunity Fund, with its diversified basket of stocks, can enable the investors to meet their financial goals and enhance their initial invested capital by a significant percentage through the process of compounding.

Investors with a conservative mind set:

The HDFC Opportunity Fund is tailor-made for conservative investors who are anxious about their invested capital. The fund is apt for investors who spend sleepless nights during a market turmoil. The fund has an excellent performance record, offers good profits and capital gains for conservative investors.

Conclusion:

The investor must be prepared to stay invested and lock away his money for a minimum of 5 years. The fund house recommends an investment timeline of 5 years to obtain optimal returns.

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Disclaimer: Policybazaar does not endorse, rate, or recommend any particular insurer or insurance product offered by an insurer.

“The investment risk in the investment portfolio is borne by the policyholder.”

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C applies.

“Tax benefit is subject to changes in tax laws. Standard T&C apply.”

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