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Invest at 0% Commission in 1,500+ Direct Mutual Fund Schemes
Multi Asset Allocation Mutual Funds
3 Year Average Returns
14.08%
Funds on Dhan
37
Multi Asset Allocation Funds are a type of Hybrid Funds that invest in at least three asset classes with a minimum allocation of at least 10% each in all the asset classes. These Funds typically have a combination of equity, debt, and one more asset class like gold, real estate, etc. While these are the best Multi Asset Allocation Mutual Funds to invest in, you must know these 3 things before you start investing.
- Goal: Multi Asset Allocation Funds diversify across various asset classes like equity, debt, and gold, aiming to reduce risk through diversification.
- Investment Horizon: Ideal for investors looking for diversified exposure across asset classes with a medium to long-term horizon, usually 3-5 years.
- Risk: Moderate to low risk, depending on asset allocation, designed to withstand market fluctuations better.
Best Multi Asset Allocation Funds to Invest in 2026
Note: 3Y & 5Y returns are annualised. Rest everything is absolute.
Scheme | AUM (in Cr.) | Fund Age | 1W | 1M | 3M | 6M | 1Y | 3Y  | 5Y |
|---|---|---|---|---|---|---|---|---|---|
Compare | ₹ 6,608 | 13 Yrs | -0.52% | -2.06% | -3.36% | 0.67% | 8.96% | 21.50% | 17.85% |
Compare | ₹ 18,044 | 6 Yrs | -1.90% | -4.57% | -3.20% | -2.06% | 3.20% | 17.94% | 13.38% |
Compare | ₹ 10,820 | 3 Yrs | -1.45% | -3.68% | -3.77% | -2.98% | 4.66% | 17.14% | 0.00% |
Compare | ₹ 9,111 | 3 Yrs | -0.93% | -2.18% | -1.27% | 1.40% | 5.96% | 16.05% | 0.00% |
Compare | ₹ 15,236 | 3 Yrs | -3.32% | -7.10% | -4.81% | -5.06% | 3.71% | 15.84% | 0.00% |
Compare | ₹ 7,478 | 3 Yrs | -1.28% | -3.65% | -3.91% | -1.60% | 3.87% | 15.26% | 0.00% |
Compare | ₹ 21,044 | 13 Yrs | -2.01% | -4.11% | -3.58% | -2.27% | 2.63% | 13.75% | 12.17% |
Compare | ₹ 6,634 | 13 Yrs | -1.90% | -3.60% | -5.15% | -3.51% | -3.40% | 13.48% | 11.94% |
Compare | ₹ 1,398 | 3 Yrs | -1.41% | -3.79% | -4.63% | -4.54% | -0.91% | 13.37% | 0.00% |
Compare | ₹ 2,616 | 13 Yrs | -1.67% | -3.81% | -3.20% | -1.39% | 1.40% | 13.21% | 7.73% |
Compare | ₹ 84,108 | 13 Yrs | -1.77% | -4.08% | -4.46% | -4.15% | -3.72% | 12.96% | 13.26% |
Compare | ₹ 5,000 | 6 Yrs | -1.72% | -4.26% | -5.04% | -3.11% | -2.10% | 12.14% | 10.61% |
Compare | ₹ 5,782 | 13 Yrs | -1.40% | -2.89% | -3.38% | -2.82% | -2.79% | 11.00% | 9.83% |
Compare | ₹ 140 | 3 Yrs | -1.30% | -3.24% | -3.88% | -3.06% | -0.32% | 10.02% | 0.00% |
Compare | ₹ 2,961 | 3 Yrs | 0.06% | 0.19% | 0.92% | 2.88% | 6.14% | 7.49% | 0.00% |
Compare | ₹ 116 | 0 Yrs | -1.19% | -2.40% | 0.73% | 0.00% | 0.00% | 0.00% | 0.00% |
Compare | ₹ 369 | 2 Yrs | -2.31% | -4.58% | -3.43% | -1.86% | 3.58% | 0.00% | 0.00% |
Compare | ₹ 1,913 | 2 Yrs | -1.37% | -3.85% | -4.28% | -3.49% | 0.46% | 0.00% | 0.00% |
Compare | ₹ 1,369 | 1 Yrs | -0.72% | -3.09% | -2.40% | -0.45% | 2.43% | 0.00% | 0.00% |
Compare | ₹ 37 | 0 Yrs | -1.32% | -4.36% | -3.85% | -6.39% | 0.00% | 0.00% | 0.00% |
Compare | ₹ 2,767 | 1 Yrs | -1.39% | -4.57% | -5.05% | -5.08% | -0.10% | 0.00% | 0.00% |
Compare | ₹ 3,141 | 2 Yrs | -1.20% | -3.20% | -3.25% | -1.58% | 3.93% | 0.00% | 0.00% |
Compare | ₹ 3,684 | 2 Yrs | -1.78% | -3.76% | -3.67% | -1.38% | 5.20% | 0.00% | 0.00% |
Compare | ₹ 521 | 1 Yrs | -2.03% | -4.38% | -3.52% | -2.01% | 7.62% | 0.00% | 0.00% |
Compare | ₹ 373 | 1 Yrs | -0.87% | -2.92% | -3.19% | -3.12% | -1.74% | 0.00% | 0.00% |
Compare | ₹ 144 | 0 Yrs | -1.73% | -4.05% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Compare | ₹ 167 | 0 Yrs | -2.09% | -4.90% | -2.65% | 0.00% | 0.00% | 0.00% | 0.00% |
Compare | ₹ 966 | 1 Yrs | -2.21% | -5.69% | -3.72% | -3.16% | -3.03% | 0.00% | 0.00% |
Compare | ₹ 3,607 | 2 Yrs | -1.10% | -2.91% | -2.38% | -1.73% | 3.75% | 0.00% | 0.00% |
Compare | ₹ 1,214 | 2 Yrs | -1.34% | -3.36% | -2.78% | -0.51% | 3.69% | 0.00% | 0.00% |
Compare | ₹ 324 | 0 Yrs | -1.56% | -4.45% | -4.27% | -2.79% | 0.00% | 0.00% | 0.00% |
Compare | ₹ 54 | 2 Yrs | -1.33% | -1.74% | -3.18% | -2.95% | -3.73% | 0.00% | 0.00% |
Compare | ₹ 1,213 | 1 Yrs | -1.30% | -2.95% | -3.41% | -1.93% | 4.46% | 0.00% | 0.00% |
Compare | ₹ 380 | 1 Yrs | -0.83% | -4.17% | -2.53% | -3.24% | -0.75% | 0.00% | 0.00% |
Compare | ₹ 3,205 | 2 Yrs | -1.43% | -4.45% | -4.44% | -5.09% | -3.85% | 0.00% | 0.00% |
Compare | ₹ 989 | 2 Yrs | -1.58% | -3.81% | -3.73% | -3.26% | 2.07% | 0.00% | 0.00% |
Compare | ₹ 212 | 0 Yrs | -2.05% | -4.70% | -3.08% | -1.91% | 0.00% | 0.00% | 0.00% |
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Disclaimer: Mutual fund investments carry market risks; read all scheme-related documents carefully. Past performance does not guarantee future returns.
About Multi Asset Allocation Funds
Multi Asset Allocation Funds are designed to diversify investments across various asset classes, including stocks, bonds, and other investment avenues. For you, as an investor, this means these funds offer a mix of different types of assets, aiming to balance risk and return efficiently. If you're seeking an investment that spreads out your risk across different market segments, understanding these funds is crucial. Here’s what you should know:
They can be especially appealing if you prefer not to manage multiple separate investments. However, aligning such investments with your individual risk tolerance and financial goals is key.
- Diversification: The key feature of these funds is the diversification of investments across multiple asset classes, which can include equities, fixed income, and sometimes even commodities or real estate.
- Risk Management: This diversification helps in managing risk as the performance of these asset classes often doesn't correlate directly with each other.
- Flexibility: Fund managers have the flexibility to change the asset allocation in response to market conditions, aiming to optimize returns.
They can be especially appealing if you prefer not to manage multiple separate investments. However, aligning such investments with your individual risk tolerance and financial goals is key.
Investing in Multi Asset Allocation Funds comes with several benefits:
As with any investment, it's important to consider how these funds fit into your overall financial plan and whether they align with your investment goals and risk tolerance.
- Reduced Risk through Diversification: The mix of various assets can lead to a lower overall risk profile compared to investing in a single asset class.
- Potential for Balanced Returns: These funds aim to offer a balance between growth (through equities) and stability (through fixed-income assets).
- Adaptability: Fund managers can adjust the asset allocation based on market conditions, which can be beneficial in different economic cycles.
- Convenience: Investing in a single fund that covers multiple asset classes is more convenient than managing several different investments.
- Suitable for Moderate Investors: If you have a moderate risk appetite and prefer a balanced investment approach, these funds can be a good match.
As with any investment, it's important to consider how these funds fit into your overall financial plan and whether they align with your investment goals and risk tolerance.
Determining if investing in Multi Asset Allocation Funds is a good choice for you depends on your investment goals, risk tolerance, and desire for diversification. These funds invest across various asset classes like stocks, bonds, and sometimes even real estate or commodities, offering a diversified investment portfolio. Here are some factors you should consider:
However, it's crucial to align such investments with your financial goals and understand the nature of these funds, considering your comfort with the diverse range of assets they hold.
- Diversification Benefits: If you're looking to spread out your investment risk across different asset classes, these funds can be a good option.
- Risk Tolerance: These funds are suitable if you have a moderate risk appetite, as they aim to balance the risk and return by diversifying across various assets.
- Investment Horizon: Multi Asset Allocation Funds are generally suitable for a medium to long-term investment horizon, as they can weather market volatility over time.
However, it's crucial to align such investments with your financial goals and understand the nature of these funds, considering your comfort with the diverse range of assets they hold.
Multi Asset Allocation Funds may be well-suited for specific types of investors:
Always consider how these funds fit into your overall financial plan and whether they align with your investment goals and risk profile.
- Moderate Risk Investors: If you're not comfortable with the high risk of pure equity funds but seek better potential returns than conservative bond funds, these funds might be suitable.
- Long-term Investors: Individuals with a long-term investment perspective can benefit from the diversified nature of these funds.
- Investors Seeking Diversification: If you aim to diversify your investment across various asset classes in a single fund, these funds can offer a convenient solution.
- Investors with Medium Financial Knowledge: If you have some understanding of different asset classes but prefer professional management to allocate assets, these funds can be a good choice.
- Retirement Planning: Those planning for retirement might find these funds attractive due to their balanced approach to growth and income.
Always consider how these funds fit into your overall financial plan and whether they align with your investment goals and risk profile.
Other Hybrid Funds
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FAQs
Multi Asset Allocation Funds invest across various asset classes like equity, debt, gold, and sometimes real estate and commodities. They dynamically adjust the asset allocation based on market conditions, aiming to manage risk while seeking to optimize returns. This diversification helps in balancing the portfolio against market volatility.
Typically, these funds are invested in a mix of equities, debt securities, gold, and occasionally other assets like real estate or commodities. The idea is to spread investments across different asset classes to reduce risk and take advantage of different market conditions.
Multi Asset Allocation Funds can give profit by capitalizing on the growth potential of equities, the stability of debt, and the hedging properties of gold and other assets. However, profits depend on market conditions and the fund manager's asset allocation strategy.
No, Multi Asset Allocation Funds are not tax-free. The taxation depends on the proportion of different assets in the fund. Generally, equity taxation rules apply if equity exposure is over 65%; otherwise, they are taxed as debt funds.
Profits are taxed based on the holding period and the asset composition. For equity-oriented funds (more than 65% in equity), long-term capital gains over ₹1 lakh are taxed at 10% without indexation. For others, long-term gains are taxed at 20% with indexation benefits. Short-term gains are taxed at the your income tax slab rate.
Choosing the best fund involves assessing the fund's historical performance, the asset allocation strategy, fund manager's experience, and the expense ratio. Consider how well the fund's investment strategy aligns with your risk tolerance and financial goals. Diversification across asset classes and flexibility in asset allocation are key factors to look for.
No, you don't need a demat account to invest in Multi Asset Allocation Funds. You can directly invest through Mutual Funds AMC or online platforms that offer mutual fund investments, making the process simple and accessible without the need for a demat account.
Both lump sum investments and SIPs (Systematic Investment Plans) have their merits in Multi Asset Allocation Funds. A lump sum may be suitable if you have a significant amount to invest at once. An SIP is ideal for regular, disciplined investing, allowing you to average the purchase cost over time, which can be beneficial in managing volatility across different asset classes.
To start an Multi Asset Allocation Fund SIP online, follow these 4 steps:
- Open Demat Account
- Choose the Multi Asset Allocation Fund you wish to invest in.
- Choose the SIP option, specifying the amount and SIP date
- Set up an auto-pay via bank account to automate the SIP payments
Yes, you can redeem your investment in Multi Asset Allocation Funds at any time. However, it's wise to be mindful of any exit loads that may apply and the fund's performance relative to current market conditions, as premature redemption could impact your returns.
Generally, Multi Asset Allocation Funds do not have a lock-in period, offering you the flexibility and liquidity. However, specific fund features should always be checked as exceptions may exist.
The risks in Multi Asset Allocation Funds stem from their diversified investment approach, including market risk, interest rate risk, and asset-specific risks like equity volatility and gold price fluctuations. The overall risk is managed through diversification across different asset classes, but it cannot be completely eliminated.
No investment is 100% safe, and Multi Asset Allocation Funds are no exception. While diversification across multiple asset classes can help reduce risk and manage volatility, the fund's performance is still subject to the inherent risks associated with investing in the financial markets.
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