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The PGIM India Agelinked Investment Asset Allocation Facility uses 'Rule of 100 minus age' as a simple yet powerful rule- of-thumb for asset allocation i.e;
100 minus age = Equity allocation Simple, isn't it?
This facility allocates your investment between equity and debt in such a way that the initial allocation favors equity and becomes increasingly conservative as you approach retirement. In this way, initial years of your working life are focused more on accumulation whereas the later years are focused on conservation of capital while generating reasonable returns.
For instance, If you are 30 years old, then allocation will be
In addition, you can re-balance your portfolio every 1 year, 3 years, 5 years or 7 years to align equity allocation with age.
Rebalancing your investment portfolio is one of the keys to successful investing over time. Rebalancing means adjusting your investment portfolio, to maintain your desired asset allocation. While there is no required schedule for rebalancing your investment, most recommendations are to examine allocations at least once a year to progressively shift out of riskier asset class as age increases.
With our Age-linked Investment Asset Allocation Facility, you can rebalance your portfolio between equity allocation and debt allocation, at least once every year based on your age, if you have opted for it. But if you don't want to do it so often, the portfolio will be rebalanced every 5 years by default. It's important to rebalance to maintain your asset allocation because it keeps your tolerance for risk at the comfortable level with respect to your age.
Source: Internal Research and Analysis
This product is suitable for investors who are seeking*:
Very High - Investors understand that their principal will be at very high risk
Low to Moderate - Investors understand that their principal will be at low to moderate risk
*Investors should consult their financial advisers if in doubt about whether the product is suitable for them.
