HDFC Life Dynamic Advantage Fund is a good investment option for those looking to grow their wealth with a well-diversified portfolio. The New Fund Offer (NFO) is available from 1st to 16th March 2025, with an NAV of ₹10. This fund invests in a mix of large-cap, mid-cap, and small-cap stocks, providing flexibility to adjust according to market conditions. It focuses on optimizing returns while managing risk, making it suitable for long-term investors seeking balanced growth.
Read more
Plans starting from₹1000/month
loading...
loading...
loading...
Investment Plans
Generate wealthEarn 1 Cr# in maturity with Zero LTCG tax¶
Double tax savings^On premiums (under 80C) and on maturity (under 10(10D))
The HDFC Life Dynamic Advantage Fund is a Flexi Cap Fund designed to adjust to changing market conditions. It follows a dynamic investment strategy, with flexible allocation across different market capitalizations, aiming for long-term capital growth. The fund focuses on providing consistent returns through a diversified portfolio, making it an attractive option for investors seeking long-term growth and broad market exposure. The portfolio is actively managed, with investments in equity or debt depending on market conditions.
This HDFC Life Dynamic Advantage Fund is available with HDFC Life ULIP Plans, offering the added benefits of tax deductions under Section 80C and tax-free maturity proceeds under Section 10(10D).
Key Insights of HDFC Dynamic Advantage Fund NFO
Particulars
Details of HDFC Life Dynamic Advantage Fund NFO
Investment Objective
To generate long-term capital appreciation by investing in a diversified portfolio of equity and debt securities. It aims to dynamically allocate assets based on market conditions to optimize returns while managing risk.
Risk Profile
High
NFO Period
1st March 2025 – 16th March 2025
Current Net Asset Value (NAV)
₹10 during NFO period
Minimum Investment
₹2,000 with Capital Guarantee Solutions (Growth & Retirement)
Key Features of HDFC Life Dynamic Advantage Fund
Have a look at the key features of the newly launched Dynamic Advantage Fund NFO by HDFC Life Insurance below:
Previous Fund Performance: The HDFC Life Discovery Fund has delivered a return of 23.2% since its inception.
Actively Managed Fund: This fund is actively managed, allowing movement between debt and equity based on prevailing market conditions.
Lower AUM: With a lower Asset Under Management (AUM), the fund is easier to manage and allows flexibility to move money between stocks.
All-in-One Fund: The fund invests across large caps, mid caps, small caps, and debt, based on market conditions to optimize returns.
Past Returns (Last 10 Years) of Market Capitalisations: Large Caps: 12%; Mid Caps: 17%; and Small Caps: 14%.
Capital Appreciation: Markets have delivered 14-15% returns over the past 10 years, resulting in significant capital appreciation.
Inflation-Adjusted Returns: The fund helps minimize the impact of inflation on wealth creation over the long term.
Fund Manager Strategy: The fund manager shifts between market caps based on the market cycle to generate positive returns, focusing on companies with strong growth and excellent management.
Flexibility in Market Cycles: The fund aims to create wealth during rising markets and preserve wealth during falling markets.
Market-Linked Plan with No Charges: Available through Click 2 Wealth, this plan offers NO charges and provides an extra 1% allocation from the first month.
Capital Guarantees: This fund is accessible with all the HDFC Life Captial Guarantee Plans available for Growth, Waiver of Premium (WOP), and Retirement solutions, with flexible policy and premium payment terms.
New Fund Offer (NFO): The NFO will launch on 1st March 2025 and end on 16th March 2025, with an NAV of Rs. 10.
Tax Advantage: You can enjoy tax exemption on premiums paid under Section 80C and maturity amount under Section 10(10D).
Best Investment Plans to Invest in HDFC Life Dynamic Advantage Fund:
Plan Name
Growth
Waiver Of Premium
Retirement
Capital Guarantee Plans
Available (Starts at Rs. 2,000)
Available (Starts at Rs. 2,200)
Available (Starts at Rs. 2,000)
ULIP Plans
- Click 2 Invest Plan (Starts at Rs. 2,100) - Sampoorn Nivesh Plan (Starts at Rs. 2,000)
Sampoorn Nivesh Plan + WOP (Starts at Rs. 2,000)
Click 2 Wealth Plan- Golden Years (Starts at Rs. 2,600)
How Does the HDFC Life Dynamic Advantage Fund Work?
Actively Managed Portfolio:
The Dynamic Advantage Fund is actively managed, adjusting investments between equity and debt based on market conditions to optimize returns.
Asset Allocation in Fund:
Money Market: Allocated between 0% to 50% for low-risk, short-term investments.
Government Bonds: Allocated between 0% to 50% for stable, low-risk returns.
Corporate Bonds: Allocated between 0% to 50% for potentially higher returns with moderate risk.
Equities: Allocated between 50% to 100% for growth, with higher risk and potential for higher returns.
Opportunities When Markets Go Up:
When the economy and markets are performing well, the fund invests in midcap and smallcap stocks.
These stocks offer strong growth potential, delivering exceptionally high returns during expansion periods.
Midcap and smallcap stocks provide good capital appreciation during growth phases but can give negative returns in a downturn.
Risk Management When Markets Go Down:
When the market slows down, the fund shifts investments into large caps and debt to preserve returns.
Large caps and debt instruments perform better during downturns, ensuring continued capital appreciation.
In case of a market crash, the fund can move 100% of investments into debt (such as government bonds or corporate bonds) to safeguard the returns generated.
Flexibility Across Market Caps:
The fund has the flexibility to be overweight or underweight across midcaps, smallcaps, and largecaps, depending on market conditions to maximize performance.
Why Should You Choose a Dynamic Advantage Fund?
Ability to Adapt: The Dynamic Advantage Fund has no restrictions on stock or sector allocations, allowing it to adjust easily to changing market conditions.
Diversification: The fund diversifies its portfolio based on the market environment, ensuring better risk management.
Risk Management Across Market Cycles: With broader diversification, the Dynamic Advantage Fund is better equipped to manage market volatility.
More Opportunities: The fund can invest across various market caps and sectors, providing access to a wider range of investment opportunities.
The Dynamic Advantage Fund is a one-stop solution to capture opportunities across various market caps, providing flexibility and adaptability to changing market conditions.
Why Should You Choose HDFC Life Insurance?
The key highlights of HDFC Life Insurance are listed below:
Strong Market Presence: HDFC Life Insurance has ₹3.28 Lakhs crores in assets under management (AUM), reflecting its significant market presence and the trust it has built.
Financial Stability: With a robust solvency ratio of 188%, HDFC Life ensures its financial stability, giving you confidence in its ability to meet future obligations.
Efficient Claim Settlement: HDFC Life boasts an excellent 99.5% claim settlement ratio, with claims processed within 24 hours for quick and hassle-free support.
Trusted Parent Company: Backed by HDFC, India’s largest bank, with a wide network of 600 branches across the country, ensuring a reliable and trusted foundation.
Historical Performance of Previously Launched HDFC Life Dynamic Advantage Fund Offers
Fund Details
Inception Date
Returns Since Inception (RSI)
HDFC Life Discovery Fund
03 September 2018
23.20%
HDFC Life Flexi Cap Fund
26 October 2023
25.50%
Steps to Invest in HDFC Dynamic Advantage Fund NFO
Follow these easy steps to start your investing in HDFC Life Dynamic Advantage Fund:
Fill the Form: Enter your name and contact number in the form available in the start of this page.
NOTE: Your information is secure and will help personalize your investment experience.
Get Plan Details: Click “Get Details” to learn more about your selected plan, or click “Talk to an Expert” for a free consultation.
Review Plan Details: Check the plan details carefully, and click “Proceed” if satisfied.
Enter Investment Details: Fill in the required information, specify your investment amount, and choose your payment method.
Complete KYC: Submit KYC details as per regulatory requirements.
Make the Payment: Complete the payment process and receive an investment confirmation.
Benefits of Investing in HDFC Life Dynamic Advantage Fund through Policybazaar
The key benefits of investing in the HDFC Life Dynamic Advantage Fund through Policybazaar are listed below:
Easy Comparison: Policybazaar allows you to compare investment plans from multiple providers in one place, helping you find the best policy that fits your needs and budget.
Expert Guidance: You will receive professional advice and dedicated customer support throughout the purchasing process and while making claim settlements.
Exclusive Discounts: Policybazaar offers special discounts and deals that are not available directly from insurance companies, helping you save money.
Trusted Platform: With years of experience, Policybazaar is a trusted platform that ensures your data is secure and your policies are well managed.
Quick Online Purchase: You can easily buy insurance plans online through Policybazaar, saving time and avoiding the need for middlemen.
Tax Savings: Many insurance plans available through Policybazaar offer tax benefits under the Income Tax Act, helping you save on taxes while securing your future.
FAQs
What is the HDFC Life Dynamic Advantage Fund NFO?
The HDFC Life Dynamic Advantage Fund NFO is a Flexi Cap Fund that allows flexible investment across large-cap, mid-cap, and small-cap stocks. The NFO will run from 1st March to 16th March 2025, with an NAV of ₹10.
How does the HDFC Life Dynamic Advantage Fund work?
The fund actively adjusts investments between equity and debt based on market conditions, maximizing returns in rising markets and preserving wealth in falling markets.
What are the key features of the HDFC Life Dynamic Advantage Fund?
Key features include:
Active management with dynamic allocation
Investments in large, mid, and small-cap stocks
High-risk profile
Available with capital guarantee solutions
Tax advantages under Section 80C and Section 10(10D)
What is the minimum investment amount for the HDFC Life Dynamic Advantage Fund?
The minimum investment starts at ₹2,000, with options available for Capital Guarantee Solutions (Growth & Retirement).
What tax benefits does the HDFC Life Dynamic Advantage Fund offer?
The fund offers tax deductions under Section 80C for premiums paid and tax-free maturity proceeds under Section 10(10D), making it tax-efficient for long-term investors.
What are the benefits of investing in the HDFC Life Dynamic Advantage Fund through Policybazaar?
Investing through Policybazaar offers easy comparison of plans, expert guidance, exclusive discounts, quick online purchases, and potential tax savings under the Income Tax Act.
How can I invest in the HDFC Life Dynamic Advantage Fund NFO?
You can invest in the HDFC Life Dynamic Advantage Fund NFO by filling out the online form, selecting a plan, completing the KYC process, and making the payment.
˜Top 5 plans based on annualized premium, for bookings made in the first 6 months of FY 24-25. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For a complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website, www.irdai.gov.in *Past 10 Year annualised returns as on 01-04-2025 *All savings plans are provided by the insurer as per the IRDAI approved insurance plan.
Tax benefit is subject to changes in tax laws. Standard T&C Apply
^The tax benefits under Section 80C allow a deduction of up to ₹1.5 lakhs from the taxable income per year and 10(10D) tax benefits are for investments made up to ₹2.5 Lakhs/ year for policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.
¶Long-term capital gains (LTCG) tax (12.5%) is exempted on annual premiums up to 2.5 lacs. **Returns are based on past 10 years' fund performance data (Fund Data Source: Value Research).
Generate wealthEarn 1 Cr# in maturity with Zero LTCG tax¶
Double tax savings^On premiums (under 80C) and on maturity (under 10(10D))
Compare & Choose 30+ Plans and 150+ Fund options
