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Successful Investing is pretty simple -

Buy Low And Sell High

But it is easier said than done. Most investors fail to sell at high prices as they fall prey to market euphoria, and when it comes to buying low, fear grips their minds.

What If You Could Manage The Market Volatility

& Also Optimize Your Returns With Ease?

DHFL Pramerica Power Goals is a unique P/E based equity investment facility that helps you to automatically manage your asset allocation across equity and debt in different market phases based on an in-house proprietary P/E based investment model.

Why Should An Investor Consider This Facility

Single Point Solution

Offers a balanced and bundelled investment solution over debt and equity

No market timing

It helps in emotion-free investing and avoids the need to time the market.

Rules based Asset Allocation

Allocates investments to equity funds based on the relative attractiveness of equity markets vis-a-vis long term valuation trends.

Rebalancing Investments

Rebalances the portfolio to limit the downside during market downturns and run-ups.

A Solution for Every Investor

Suitable for investors looking at long-term wealth creation, irrespective of market conditions.

Managing Volatility Effectively

It limits downside risk and maximizes returns potential by timely asset allocation

To know more about DHFL Pramerica Power Goals watch this video

How does it Work?

The Power Goals facility manages allocation across equity and debt based on the market valuations and P/E based model & executes three critical strategies:

Enter

When the equity market is undervalued i.e. Current P/E is significantly lower, it switches or increases allocation from the debt fund to the equity fund.

ENTER  
Variation* from long term average PE % Equity Allocation
Above 40% 0%
Between 31% to 40% 0%
Between 21% to 30% 40%
Between 11% to 20% 60%
Between 1% to 10% 80%
Between -10% to 0% 100%
Between -20% to 11% 100%
Less than -20% 100%
Exit

When the equity market is overvalued i.e. Current P/E is significantly higher, it switches or decreases allocation from the equity to the debt fund.

Re-enter

When valuations are reasonable vis-à-vis the historical averages, it switches / increases allocation to the equity fund from the debt fund.

EXIT + RE-ENTER    
Variation* from long term average PE Asset Allocation - Move from Equity to Debt % Equity Allocation
Above 40% 100% -
Between 31% to 40% 50% -
Between 21% to 30% - -
Between 11% to 20% - -
Between 1% to 10% - -
Between -10% to 0% - 10%
Between -20% to 11% - 10%
Less than -20% - 100%

P/E variation is defined as the deviation of trailing PE of Nifty 50 (observed on a 20 days moving average basis) from Long-Term Average PE of Nifty 50.

Simulating The Power Goals Model

Methodology

  • Asset allocation is done on the basis of the power goals model.1

  • The equity market/component is represented by Nifty 50.2

  • The balance allocation (i.e. portfolio value minus equity allocation) is considered as debt component3

  • Debt component returns is considered at 6% per annum for the calculation purpose.4

  • Any allocation into or out of equity is carried out on the first working day of the month.5

  • Variation is defined as the deviation of 20 day Average trailing P/E of Nifty 50 as at the month-end, compared with its Long-Term Average P/E (i.e. from 1st Jan 1999)6

How Can You Invest?

01

The initial investment is made by the investor in a Receptor Fund – DHFL Pramerica Ultra Short Term Fund, which is currently a no load fund.

02

The investor will have the option to choose the schemes i.e. one scheme each in Equity and Debt category for allocation of money parked in feeder fund.

03

Allocation would be made on the 1st business day of the month subsequent to the month of investment, subject to applicable NAV.

04

This feature runs on the basis of the P/E variation observation as at the end of previous month. Further, based on the P/E variations, DHFL Pramerica Power GOALS would re-balance the portfolio as and when such event happens. Re-balancing of portfolio will also happen on 1st business day of the subsequent month, subject to applicable NAV.

05

Lumpsum only - Minimum Investment amount Rs. 10,000/- and multiples of Rs.100/- thereafter. Lumpsum with STP - Minimum Investment amount Rs.25,000/- and multiples of Rs. 100/- thereafter. Minimum no. of SIP installments – 36 months

Power your returns & manage market volatility with ease. Accelerate your journey to wealth creation over the long-run!

DHFL Pramerica Ultra Short Term Fund (An open ended ultra-short term debt scheme investing in instruments such that the Macaulay duration of the portfolio is between 3 months to 6 months)

This product is suitable for investors who are seeking*:

  • Income over the short term
  • Investment in short term debt and money market instruments
  • Degree of risk – MODERATELY LOW.

*Investors should consult their financial advisers if in doubt about whether the product is suitable for them.

Disclaimer -

The information contained herein is provided by DHFL Pramerica Asset Managers Private Limited (Erstwhile Pramerica Asset Managers Private Limited (the AMC) on the basis of publicly available information, internally developed data and other third party sources believed to be reliable. However, the AMC cannot guarantee the accuracy of such information, assure its completeness, or warrant such information will not be changed. The information contained herein is current as of the date of issuance (or such earlier date as referenced herein) and is subject to change without notice. There can be no assurance that any forecast made herein will be actually realized. These materials do not take into account individual investor’s objectives,his or her own professional investment / tax advisor / consultant for advice in this regard. These materials are not intended for distribution to or use by any person in any jurisdiction where such distribution would be contrary to local law or regulation.

Services & Products Limited (IISL) and its affiliates. IISL and its affiliates do not make any representation or warranty, express or implied (including warranties of merchantability or fitness for particular purpose or use) to the owners of Power Goal Facility or any member of the public regarding the advisability of investing in securities generally or in the Power Goal Facility linked to Nifty 50 Index or particularly in the ability of the Nifty 50 Index to track general stock market performance in India. Please read the full Disclaimers in relation to Nifty 50 Index in the Scheme Information Document.

Distribution of these materials to any person other than the person to whom it was originally delivered and to such person’s advisers is unauthorized, and any reproduction of these materials, in whole or in part without the prior consent of the AMC, is prohibited.

Mutual Fund Investments are subject to market risks, read all scheme related documents carefully.

Pramerica and Pramerica Financial are trade names used by Prudential Financial, Inc., a company incorporated and with its principal place of business in the United States, and by itsaffiliated companies in select countries outside the United States. None of these companies are affiliated in any manner with Prudential plc, a company incorporated inthe United Kingdom

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