Multiple Scheme Framework (MSF)

ABSLPF Secure Future Fund - NPS (Tier 1)

(Scheme Secure Future - I)

Designed to Grow in Upside. Built to Stay Steady in Downside.

Dynamic hybrid strategy

That aims to deliver long-term equity-like growth with controlled volatility. It is meant for investors who want consistent compounding without taking aggressive market risk.

Power of compounding:

15-year vesting period aligns with long-term goals.

Long-term wealth builder

Minimum 15-year vesting period.

Low-cost advantage

Charges capped at 0.30% AUM

Tax benefits

Under the old tax regime, save taxes u/s 80C, 80CCD(1B) G 80CCD (2); Under the new tax regime, save taxes u/s 80CCD (2) (Same as the common NPS scheme)

Typical investor profiles G their needs

Investor Profile	Core Need	Why This Fund Fits
Steady & conservative growth seekers (Age 18 – 50)	Want corpus growth without major drawdowns	Balanced allocation reduces shocks
Capital protection seekers (Age 50 – 70)	Wish to beat inflation without risking entire capital	Generates alpha over fixed-return instruments without risking capital
Strategic dynamic fund investors (Age 18 – 70)	Want multi-asset dynamic fund allocation	Promises great risk-return balance with dynamic asset allocation

Who Should consider investing in Aditya Birla Scheme Secure Future - I?

Investor Profile	Typical Mindset	Core Need	Why This Fund Fits
Conservative Growth Seekers (45–60)	Prefer stability with returns above FD/PF	Want growth without stress	Balanced allocation reduces shocks
Disciplined Professionals (30–45)	Believe in long-term investing but dislike volatility	Want to stay invested without worry	Smoother ride ensures commitment
Strategic Investors	Focused on preventing drawdowns while capturing upside	Want risk-managed compounding	Fund tilts allocation dynamically between 40–65% equity

Investment Universe

Benchmark Component	Allocation
NPS Equity Index	55%
NPS Government Securities Index	22.5%
NPS Corporate Bonds Index	22.5%

Asset Allocation Strategy (Core Framework)

Asset Class	Role in Portfolio
55% NPS Equity Index	Participate in market growth
45% Short-term debt instruments and related investments	Cushion volatility and ensure steady accrual

The fund has the flexibility to increase equity up to 55% in favourable market phases and reduce it to 45% when risk surfaces, allowing dynamic participation and disciplined defence.

Rolling Return Performance (Historical Consistency)

Rolling CAGR	Sensex	BSE 200	Debt	Hybrid 50:50 Model
3 Year	12.1%	13.0%	~8.8%	10.8%
5 Year	11.8%	12.7%	~9.0%	10.8%
10 Year	11.7%	12.6%	~8.9%	10.7%

Observation: Hybrid strategies stay close to equity returns, while eliminating the emotional swings that often derail investment discipline.

Key lessons to keep in mind from historic data of Hybrid 50:50 Benchmark

You don't need to be 100% in equity to grow wealth. Maintaining even 55-45% equity exposure delivers strong returns when coupled with steady debt earnings.
Protection against big drawdowns is not just risk control — it is compounding protection. A smaller fall recovers faster.
Most investors fear crashes, but long sideways markets are worse. Hybrid strategies can keep compounding when equity goes nowhere, reducing regret and increasing commitment.

Case Study: 2010-2016 - When Equity Struggled, Hybrid Quietly Won From 2010 to 2016:

Asset Type	Return (CAGR) during 2010 – 2016	Investor Experience
Equity (Sensex / BSE200)	~5–7%	Volatile but stagnant — investors felt “stuck”
Hybrid 50:50 Model	~10–11%	Slow and steady compounding — no stress, no surprises

Why this matters today:

Most investors assume only market crashes hurt wealth. But years of low or flat equity returns are even more damaging — they drain patience, not money.
Hybrid solves that problem. It lets debt keep working quietly in the background, ensuring that even in boring markets, portfolios grow meaningfully.

Who Should Invest?

Investor Profile	Typical Mindset	Core Need	Why This Fund Fits
Conservative Growth Seekers (45–60)	Prefer stability with returns above FD/PF	Want growth without stress	Balanced allocation reduces shocks
Disciplined Professionals (30–45)	Believe in long-term investing but dislike volatility	Want to stay invested without worry	Smoother ride ensures commitment
Strategic Investors	Focused on preventing drawdowns while capturing upside	Want risk-managed compounding	Fund tilts allocation dynamically between 40–65% equity

Key Benefits at a Glance

Equity-linked return potential with controlled volatility
Dynamic allocation for better timing and time spent with assets
Ideal bridge between Pure Equity and Pure Debt
Suitable for both retirement accumulation and future SWP planning

Who Should Invest?

Documents required

KYC - Proof of Identity and Address (Aadhaar, Driving License, Passport, Voter ID card). Aadhar should be linked with the registered mobile number for seamless registration journey.

Contribution

Account Opening contribution: Min Rs. 500/- and Max no limit.
Subsequent contribution: Min Rs. 1,000/- p.a. and Max no limit.