PGIM India Mutual Fund
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GAIN FROM EXPERIENCE.

PGIM, built on 140 years of wealth creation.

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Experience matters when you’re facing money challenges

Have you ever wondered as to how certain people’s performance stands out when compared to the rest? Apart from talent and skill, it is practice and experience that helps them in their performance. And it’s not just true for individuals but some of the best institutions across the world also stand out because of their history, years of experience and rock-solid foundation.

The same logic applies even for your investments. Well-planned investments are those that are backed by years of in-depth learning and market knowledge. Prudential Financial Inc. US, with its 140 years of experience is one such institution and its investment management arm, PGIM is built on the strength and stability of this legacy. PGIM India Mutual Fund gains from this knowledge and draws from this experience required in managing money in an ever changing financial world.

PGIM India Mutual Fund. Gain from experience.

Today, taxation, inflation, varying interest rates and equity market volatility are some of the top money challenges that people face.

The frequency at which these factors are changing makes it difficult for the common man to understand the impact of these changes. The outcome – they are overwhelmed to take any financial decision thereby leading to an opportunity loss and under-utilization of their finances. In such situations, a trusted advisor and a stable and experienced asset management company can help you optimise your investments and manage your money efficiently

A big challenge faced by investors is the decision to split their investments into the primary asset classes – equity and debt. Asset allocation is an investment strategy that aims to balance risk and reward by distributing a portfolio's assets according to an individual's goals, risk tolerance and investment horizon. Our Dynamic Advantage Asset Allocation Facility is based on our experience and discipline to maintain an optimum mix between assets, with regular rebalancing - the bedrock of long-term wealth creation and beating inflation.

The upside with mutual funds is that there is a fund available to address every financial situation that you face, taking into account your risk profile.

There are funds that serve the investor need for Wealth Creation and Income Generation. Our Equity Funds like PGIM India Large cap fund, PGIM India Mid Cap Opportunities fund, PGIM India Diversified Equity Fund and PGIM India Long Term Equity Fund endeavour to provide growth potential of equities by offering investment strategies across market capitalisation, growth prospects and tax benefits.

Not to be restricted with Investing in India; PGIM India Global Equity Opportunities Fund through the underlying fund invests in companies beyond Indian Markets, which are truly global and are not limited by any region, sector or theme constraints. Our bouquet of Fixed Income Funds primarily invest in bonds and other debt instruments and offer short-term and long-term investment strategies.

These funds suit investor's need who want to optimise their income as well as provide stability to your overall investment portfolio. We have funds that follow investment strategies across the yield curve with Dynamic Bond Funds, Liquid Funds, Credit Risk Funds, Short-Term Funds, Ultra short-term Funds, Gilt Funds and Fixed Maturity Plans. Some funds you could consider are PGIM India Insta Cash Fund,PGIM India Banking & PSU Debt Fund and PGIM India Ultra Short Term Fund.

Mutual funds also have inherent traits that follow investment principles such as asset allocation and diversification. Another commonly faced challenge is the indecision on investing, which has been addressed by Systematic Investment Plan (SIP) which instils the discipline to invest regularly and over different market cycles. By opting for our Smart SIP, you could mix your investments with financial protection by way of life insurance embedded. This serves the dual purpose of life protection and wealth creation.

Income tax is yet another challenge faced by investors for which also mutual funds have optimum solutions. For instance, there is a unique mutual fund category known as ELSS (equity-linked savings scheme), which not only can work towards wealth creation, but also act as a tax saver. Investments in PGIM India Long Term Equity Fund*, our ELSS fund, qualify for tax benefits under Section 80C up to Rs. 1.5 lakh in a financial year and come with a three year lock-in. The overall taxation on mutual fund redemptions is also straightforward, making it easy for individuals to manage

We are living in times when a large young population is entering the workforce each year.

We are also witnessing increased longevity, which along with improved medical care is resulting in people living longer after their retirement. People are anxious whether they will have enough to see them through retirement. The need to start investing early with mutual funds cannot be emphasised further. Our Agelinked Asset Allocation uses the 'rule of 100 minus age' as a simple yet powerful rule-of the thumb for equity allocation. 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.

The young population faces distinct financial challenges beyond budgeting and financial planning. Apps and online tools enables these DIY (do it yourself) investors to evaluate their financial future. The results are intimidating to know the large sums of money they would need to achieve their ambitious financial goals – vacations, buying a home, early retirement and so on. In such scenarios money never seems to be enough.

Simply put, dealing with personal finance is mystifying and a big concern for everyone. And, at the end of the day, people just want to know if their money is going to be okay. Our experience tells us that financial stability sits among the top priorities for individuals after their family and health. People have greater concern about finances today and worry whether they would have enough to face the frequent money challenges that are coming their way.

The PGIM experience and wisdom is what you need to address your financial concerns and challenges. We have developed deep expertise to bring a long-term perspective and weathered multiple market cycles across the world to maximise your wealth creation potential across asset classes. The experience of PGIM India Mutual Fund is something you can benefit from and gain financially.

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Mutual Fund Investments are subject to market risks, read all scheme related documents carefully. © 2019 Prudential Financial, Inc. (PFI) and its related entities. PFI of the United States is not affiliated with Prudential plc, a company incorporated in the United Kingdom. The PGIM logo and the Rock symbol are service marks of PFI and its related entities, registered in many jurisdictions worldwide.

*As per the present tax laws, eligible investors (individual/HUF) are entitled to deduction from their gross total income, of the amount invested in Equity Linked Saving Scheme (ELSS) up to Rs.1,50,000/- (along with other prescribed investments) under Section 80C of the Income Tax Act, 1961. Long-term capital gain and dividend distribution tax as applicable. Tax benefits are subject to the provisions of the Income Tax Act, 1961 and are subject to amendments, from time to time. However, the AMC cannot guarantee the accuracy of such information, assure its completeness, or warrant such information will not be changed. This does not take into account individual investor’s objectives, needs or circumstances or the suitability of financial products described herein. Hence, each investor is advised to consult his or her own professional investment/tax advisor/consultant for advice in this regard.

PGIM INDIA

LONG TERM Equity Fund

An open-ended Equity Fund Linked Savings Scheme with a statutory lock-in of 3 years and tax benefit

This product is suitable for investors who are seeking*

  • Long-term capital appreciation
  • To generate long-term capital appreciation by predominantly investing in equity & equity related instruments and to enable eligible investors to avail deduction from total income, as permitted under the Income Tax Act, 1961 as amended from time to time
  • Degree of risk – MODERATELY HIGH

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

Risko Meter
PGIM INDIA

LARGE CAP Fund

An open-ended Equity Fund predominantly investing in Lage Cap Stocks

This product is suitable for investors who are seeking*

  • Capital growth over the long term
  • Investment predominantly in equity and equity related securities of Large Cap companies.
  • Degree of risk – MODERATELY HIGH

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

Risko Meter
PGIM INDIA

GLOBAL EQUITY OPPORTUNITIES FUND

An open-ended fund of fund scheme investing in PGIM Jennison Global Equity Opportunities Fund

This product is suitable for investors who are seeking*

  • Capital growth over the long term
  • Investment in units of overseas mutual funds that invest in equity securities of companies around the world in the early stage of acceleration in their growth.
  • Degree of risk – HIGH

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

Risko Meter
PGIM INDIA

DIVERSIFIED EQUITY FUND

Multi Cap Fund - An open-ended equity scheme investing across large cap, mid cap, small cap stocks

This product is suitable for investors who are seeking*

  • Capital appreciation over long term.
  • To generate income and capital appreciation by predominantly investing in an actively managed diversified portfolio of equity and equity related instruments including derivatives.
  • Degree of risk – MODERATELY HIGH

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

Risko Meter
PGIM INDIA

MIDCAP OPPORTUNITIES FUND

Mid Cap Fund - An open-ended equity scheme predominantly investing in mid cap stocks

This product is suitable for investors who are seeking*

  • Capital appreciation over long run.
  • To achieve long term capital appreciation by predominantly investing in equity and equity related instruments of mid cap companies.
  • Degree of risk – MODERATELY HIGH

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

Risko Meter
PGIM INDIA

INSTA CASH FUND

An open-ended liquid scheme 

This product is suitable for investors who are seeking*

  • Liquidity and generate income in the short term
  • Investment in debt and money market securities with maturity upto 91 days only
  • Degree of risk – LOW

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

Risko Meter
PGIM INDIA

BANKING AND PSU DEBT FUND

An open-ended debt scheme predominantly investing in Debt Instruments of banks, public sectors undertakings, public financial institutions and municipals bonds

This product is suitable for investors who are seeking*

  • Income over the short term
  • Investment in debt instruments issued by Banks and Public Sector Undertakings, Public Financial institutions and Municipal Bonds
  • Degree of risk – MODERATELY LOW

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

Risko Meter
PGIM INDIA

ULTRA SHORT TERM FUND

An open-ended ultra-short term debt scheme investing in instruments such that the Macaulay 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 advisors if in doubt about whether the product is suitable for them.

Risko Meter
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