Multi-asset funds are rapidly emerging as one of the most favoured entry points for new and cautious investors, thanks to their ability to offer instant diversification without the complexity of choosing between equities, debt or gold. According to R. Sivakumar, Head of Corporate Strategy at Axis Mutual Fund, these schemes provide beginners with a sense of comfort by reducing volatility and spreading risk across multiple asset classes. For many first-time savers, multi-asset funds act as a ready-made portfolio that eliminates the anxiety of market timing or stock selection. Advertisement

Industry trends support this growing preference. Multi-asset allocation schemes have consistently recorded monthly inflows of Rs 5,000–6,000 crore even as interest in mid-cap and small-cap categories has

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