PGIM India Asset Management has introduced a new mutual fund — PGIM India Multi Asset Allocation Fund (MAAF).
This fund allows investors to invest in multiple asset classes through a single investment, including stocks, debt, gold, silver, and real estate.
The main goal of this fund is to offer higher returns with lower risk while protecting investors from market ups and downs.
NFO Open: 11 November 2025
NFO Close: 25 November 2025
Fund Reopens for Subscription: 3 December 2025
This is an open-ended fund, meaning you can continue to invest even after the NFO period ends.
Key Benefits of the Fund
Diversified Investment in One Place
Your money will be spread across:
Equity (Shares)
Debt (Bonds or Fixed Income)
Gold ETFs
Silver ETFs
REITs and InvITs (Real Estate and Infrastructure units)
This diversification helps balance risk — if one asset class (like stocks) performs poorly, others (like gold or bonds) can help maintain stability.
As CEO Abhishek Tiwari explained, diversification is like a “free lunch” in investing — it helps reduce risk without sacrificing returns.
CIO Vinay Paharia added that a multi-asset fund provides clarity and flexibility during uncertain market conditions.
Fund manager Vivek Sharma said that the mix of equity, debt, and commodities aims to deliver steady long-term returns.
Example:
Instead of buying auto stocks, gold, bank shares, and bonds separately, this fund combines all these investments into one professionally managed portfolio.
Why Choose a Multi Asset Allocation Fund?
Equity alone can cause heavy losses in a market fall.
Debt alone offers lower returns in a bull market.
Gold and silver protect against crashes.
REITs/InvITs offer stable, rental-like income.
This fund gives a balanced mix of all assets, ensuring both growth and protection.
Additional Benefits
Helps avoid emotional decisions like buying high or selling low.
Tax benefits available if equity allocation is 65% or more.
Investment Details
Minimum investment: ₹5,000 (then in multiples of ₹1)
Additional investment: From ₹1,000 onwards
Exit load: 0.50% if sold within 90 days; no charge after 90 days
Benchmark Composition
The fund’s performance will be compared against:
60% Nifty 500 TRI
20% CRISIL Short-Term Bond Index
10% Domestic gold price
10% Domestic silver price
Final Takeaway
The PGIM India Multi Asset Allocation Fund offers investors a one-stop solution for diversification across shares, debt, gold, silver, and real estate.
It can be a good choice for those seeking a balanced portfolio with lower risk and better returns, especially in uncertain markets.
