​​​​​​​​In our pursuit to invest our hard-earned money, we are often faced with an investment dilemma that forces us to choose between income and growth. SBI Mutual Fund understands this need and we bring you a unique fund, SBI Dual Advantage Fund - Series XXII.

What is SBI Dual Advantage Fund - Series XXII all about?

SBI Dual Advantage Fund - Series XXII is a 1100 Days close-ended hybrid scheme. The primary investment objective of the scheme is to generate income by investing in a portfolio of fixed income securities maturing on or before the maturity of the scheme. The secondary objective is to generate capital appreciation by investing a portion of the scheme corpus in equity & equity related instruments. However, there can be no assurance that the investment objective of the Scheme will be realized.

Investment Opportunity

A Hybrid Scheme like SBI Dual Advantage Fund - Series XXII endeavours to combine the benefits of different asset classes, viz. Equity & Debt. A hybrid scheme endeavours to reduce the volatility of equity asset class (Ex. CNX Nifty Index) and low return of debt asset class (Ex. CRISIL composite Bond Fund Index) which can be seen in the graph, showing the daily three-year rolling returns of CNX NIFTY Index, CRISIL Composite Bond Fund Index & CRISIL MIP Blended Index.​

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Fund Facts:


  • Type of scheme: A close-ended Hybrid Scheme

  • Tenure of the scheme: 1100 days

  • Benchmark: Crisil MIP Blended Fund Index

  • Plans/Options offered: The scheme would have two plans, viz. Direct Plan & Regular Plan. Both plans will have two options -- Growth and Dividend. Dividend option has the facility of payout & transfer. Dividend transfer facility will be available to NFO investors only.

  • Minimum Application Amount: Rs. 5,000/- and in Multiples of Rs. 1 thereafter

  • Exchange Listing: Units of the scheme will be listed on BSE Ltd.​​

  • Investment objective

The primary investment objective of the scheme is to generate income by investing in a portfolio of fixed income securities maturing on or before the maturity of the scheme. The secondary objective is to generate capital appreciation by investing a portion of the scheme corpus in Equity and equity related instruments. However, there can be no assurance that the investment objective of the Scheme will be realized.

Asset Allocation

Instrument
Indicative Allocation
(% of total asset)$
Risk Profile
MinimumMaximumHigh/medium/low
Debt & debt related instruments*55%95%Low to Medium
Money market instruments0%10%Low to Medium
Equity and equity related instruments including derivatives​5%35%High


 

* Exposure to domestic securitized debt may be to the extent of 40% of the net assets. The Scheme shall not invest in ADR/ GDR/ foreign securities /foreign securitized debt. $ Exposure to derivatives may be to the extent of 30% of the net assets.

The Scheme shall invest in repo including repo in corporate debt.

The cumulative gross exposure through equity, debt and derivative position will not exceed 100% of the net assets of the scheme.

The Scheme may engage in Stock lending.

The Scheme shall not engage in short selling.

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Fixed Income / Debt Investments:

 

  • Investments in securities, maturing on or before the date of the maturity of the Scheme
  • Flexibility to invest in the entire range of debt instruments
  • Investment in AA or above-rated securities
  • Targeted investment in fixed income / debt securities between 83% and 95% 


 

Equity & Equity-related instruments:


  • Invest in diversified portfolio of Equity & Equity-related instruments
  • Mix of bottom-up & top-down approach for stock-picking
  • Primarily focus on companies that have demonstrated characteristics such as market leadership, strong financials and quality management
  • Targeted investment in Equity & Equity-related instruments between 5% and 17% 

Why Invest in SBI Dual Advantage Fund - Series XXII?

 

  • Quality Debt Portfolio - High quality debt securities endeavour to minimize credit risk and matching maturity reduces interest rate risk. Investment in AA and above rated securities only

  • Growth Potential - Primarily focus on companies that have demonstrated characteristics such as market leadership, strong financials and quality management. Equity portion will be actively managed

  • Tax efficiency - Avail indexation benefits and thereby potential tax efficient returns (as per current tax laws)

The fund is suitable for:

  • Investors with low to medium risk appetite

  • High net worth individuals

  • First time mutual fund investors who would like to enjoy the debt returns with an additional equity upside

  • An investor who is looking for income as well as capital appreciation

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