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UTI S&P BSE Low Volatility Index Fund: NFO Review: – Should you Invest?

by Holistic Leave a Comment | Filed Under: Investments

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What is the advantage of investing in S&P BSE Low Volatility TRI over S&P BSE Large Midcap TRI?
Who can invest in this Fund?
Who can avoid this Fund?
Let us explore.

UTI S&P BSE Low Volatility Index Fund is an open-ended scheme replicating/tracking S&P BSE Low Volatility Total Return Index (TRI).

The UTI S&P BSE Low Volatility Index Fund has been designed to provide investors with long-term capital appreciation, while also providing lower volatility.

SYNOPSIS:

  • Key-Details of UTI S&P BSE Low Volatility Index Fund
  • Investment Objective
  • Investment Strategy
  • Investment Journey – S&P BSE Low Volatility TRI Vs S&P BSE Large Midcap TRI
  • FY Performance: S&P BSE Low Volatility TRI Vs S&P BSE Large Midcap TRI
  • Periodic Returns: S&P BSE Low Volatility TRI Vs S&P BSE LargeMidcap TRI
  • S&P BSE Low Volatility Index – Top 10 Holding
  • Pros of Investing in UTI S&P BSE Low Volatility Index Fund
  • Cons of Investing in UTI S&P BSE Low Volatility Index Fund
  • Key Takeaways of UTI S&P BSE Low Volatility Index Fund

Key-Details of UTI S&P BSE Low Volatility Index Fund:

Investment Objective:

The primary objectives of this Index Fund are:

To provide returns that, before expenses, closely correspond to the total returns of the securities as represented by the underlying index, subject to tracking error.

Investment Strategy:

  • The scheme is a low-cost smart beta index fund that tracks the S&P BSE Low Volatility index passively. 
  • It aims to achieve a return equivalent to the underlying index while minimizing tracking error

Investment Journey – S&P BSE Low Volatility TRI Vs S&P BSE Large Midcap TRI

S&P BSE Low Volatility has outperformed S&P BSE Large Midcap Over Long Term. 

FY Performance: S&P BSE Low Volatility TRI Vs S&P BSE Large Midcap TRI

S&P BSE Low Volatility has outperformed S&P Large Midcap in terms of 

  • Annual Returns – 10 times out of last 17 FYs 
  • Volatility – 100% times 
  • Risk-Adjusted Returns – 14 times out of last 17 FYs 

Periodic Returns: S&P BSE Low Volatility TRI Vs S&P BSE LargeMidcap TRI

S&P BSE Low Volatility TRI offered downside protection during rough patches.

S&P BSE Low Volatility Index – Top 10 Holding

S&P BSE Low Volatility Index at present has a diversified exposure at a stock level as compared to the S&P BSE LargeMidcap Index where the weight of top 10 stocks is ~44%. The maximum weight assigned to each stock is lower of – 5% in S&P BSE Low Volatility Index

Pros of Investing in UTI S&P BSE Low Volatility Index Fund:

This fund invests in a diversified portfolio of stable companies that are likely to deliver long-term growth with minimal volatility.

  • “Low Volatile” companies represent relatively stable businesses with strong fundamentals & business models.
  • As this fund is managed passively, it is expected to have a lower expense ratio than actively managed mutual fund schemes.
  •  It invests only in companies that generate economic value.
  •  This fund will be suitable for ultra-conservative investors looking to complement their core equity portfolio with passive investments.
  • This fund is free from fund manager bias.
  • Compared to an actively managed fund, the returns from this fund are relatively stable with less volatility.

Cons of Investing in UTI S&P BSE Low Volatility Index Fund:

  • As this fund invests in equities, it is not suitable for short-term investments.
  • As an index fund, this may underperform its index due to certain factors like fees and expenses, trading costs, etc.
  • The major drawback of index fund investment is tracking error, since it may not perfectly track its index.
  • As an Index fund, it is not flexible when compared to active funds. This fund will not be able to take any course of corrective measures during the correction or market crash.
  • This fund will not be able to deliver market-beating returns.
  • Based on the market outlook, the fund cannot change the allocation dynamically
  • Being an Index fund, it blindly mirrors the index. They don’t do any analysis on the underlying stocks and check the soundness of the company in which they are going to invest.
  • In the active funds, the fund managers will analyze all the stocks and pick and choose the best stocks based on their research and analysis. This way active funds can take calculated risk compared to this fund.

Key Takeaways of UTI S&P BSE Low Volatility Index Fund:

  • If you are an ultra-conservative investor who is not willing to invest in actively managed funds, this fund may be suitable for you.
  • Actively managed funds have more potential to outperform this fund.
  • Investors expecting dynamic fund management and looking for investments that can beat the market should avoid this fund.
  • We need to wait and check their expense ratio and their ability to maintain low tracking errors. There are existing similar Index Funds with less expense ratio and less tracking error.
  • Investors should consult their financial planners if in doubt about whether the product is suitable for them. 

If you have any comments or questions, write them in the comment box below.

Or are you interested in creating a Comprehensive Financial Plan for your financial goals?

Skip the queue by registering for your 30 Minute FREE Financial Plan Consultation. Click the ‘‘BOOK YOUR SLOT NOW!’’ button below. 

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