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Disclaimer: # The investment risk in the portfolio is borne by the policyholder. Life insurance is available in this product. The maturity amount of Rs 1 Cr. is for a 30 year old healthy individual investing Rs 10,000/- per month for 30 years, with assumed rates of returns @ 8% p.a. that is not guaranteed and is not the upper or lower limits as the value of your policy depends on a number of factors including future investment performance. In Unit Linked Insurance Plans, the investment risk in the investment portfolio is borne by the policyholder and the returns are not guaranteed. Maturity Value: ₹1,05,02,174 @ CAGR 8%; ₹50,45,591 @ CAGR 4%. All plans listed here are of insurance companies’ funds.

Tata Life Flexi Growth Fund

Tata Life Flexi Growth Fund is an open-ended New Fund Offering (NFO) launched by Tata AIA Life. This is a type of flexi cap fund that offers long-term capital appreciation by investing primarily in equity and equity-related instruments. It invests across different market capitalisations of large-cap, mid-cap, and small-cap holdings. Tata Flexi Growth Fund ensures you are able to sustain and generate good returns in the ever-changing market.

Plans starting from ₹1000/month

Investment Plans

Generate wealth Earn 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

What is Tata Flexi Growth Fund?

Tata Life Flexi Growth Fund is a market-linked fund that allows you to invest in a diversified portfolio of equity funds and balanced funds.

Type of Assets under Tata Life Flexi Growth Fund	Percentage of Investment
Equity & Equity related instruments	70% - 100%
Debt Assets	0 - 10%
Cash/ Money Market Instruments, Bank Deposits, and Mutual Funds^^	0 - 30%

Highlights of Tata Life Flexi Growth Fund

Particulars	Details
Investment Objective	The Tata AIA new NFO fund aims to grow capital over the long term by investing in a diverse range of stocks spanning various market sizes. The fund manager has the liberty to invest in well-selected companies across large, mid, or small market sizes. Tata Life NFO aims to allocate 70% - 100% of its resources to equity and equity-related instruments, with the remaining 0% - 30% in debt and money market instruments.
Benchmark Index	NSE 500 (100%)
Risk Profile	High
NFO Launch Date	Special Pre-NFO Period (Only for PB Customers): 01 – 15 December, 2023 NFO Period for all channels: 16 – 30 December, 2023 NFO Issuance Date: 31 December 2023
Current NAV	Rs. 10 (from 1st to 30th December)
Minimum Investment	Rs. 2,000

Why Should You Invest in Tata AIA Life Flexi Growth Fund?

The main reasons for you to consider investing in Tata Life Flexi Growth Fund are listed below.

Versatility in Investment:

A flexi growth scheme provides the flexibility to invest in Large/Mid/Small cap stocks simultaneously.
This effortlessly captures evolving market trends across different stock categories.

Strategic Sectoral Allocation Enhances Diversification:

Tata’s new flexi growth fund intelligently selects sectors for investment based on their outlook.
The Tata AIA Life new NFO ensures a well-diversified portfolio, minimizing risk through sector-specific allocation.

Resilience Across Market Cycles:

The dynamic nature of asset allocation allows the Tata new flexi growth fund scheme to perform well across various market cycles.
Investments across different market caps contribute to superior volatility management.

Stellar Performance in Last 5-Year Returns:

All Tata funds boast exceptional returns, with the multi-cap fund achieving an impressive 25.9% in the last 5 years.

Tailored to Your Needs:

The Tata Life Flexi Growth Fund is accessible in various product categories, including:
- Unit Linked Insurance Plans (ULIP)
- Capital Guarantee Solution Plans (CG)
- Tata Smart Sampoorna Raksha (SSR)
Minimum monthly SIP of Tata AIA new NFO plans: Rs. 2,000

Diverse Combinations of Policy Term (PT) and Premium Payment Term (PPT) Options:

All popular PT-PPT combinations are readily available with the Tata Life NFO. It ensures you get a range of investment options that align with your preferences.

Exclusive Opportunity for Early Birds:

You can avail of the exclusive Tata NFO Flexi Growth fund with all Tata Life investment plans from 1st to 15th December.
NAV (Net Asset Value) of the Tata Life Flexi Growth Fund starts at Rs. 10 from 1st December up to 30 December 2023.

Seize the opportunity!

People also read: TATA Nifty Alpha 50 Index Fund

Why Flexi Growth Funds are Smart Investment?

Investing in a Flexi Growth Fund is a smart choice for several reasons. Let us learn them below:

Navigating Market Volatility

Our emotions, much like market trends, are in a constant state of flux. Flexi growth funds ensure to provide the ability to navigate these changes and consistently generate returns in the ever-shifting market conditions.
Long-Term Stability through Flexi Growth Funds

Flexi growth funds offer you the ability to thrive in the unpredictable world of investments by considering the strategy of staying invested for the long term and allocating your funds wisely.
Finding Balance in Flexi Growth Funds

In the intricate dance of the investment world, switching funds between large, mid, and small-cap stocks requires expertise. A misstep could have significant consequences on your overall performance. Flexi growth funds allow you to discover the potential for higher returns through the flexibility of allocation in Flexi Growth Funds.

Investment in Flexi-Growth Fund is IMPORTANT!

Illustration of Tata Life Flexi Growth Fund NFO

Suppose you invest Rs. 10,000 per month for 10 years in a Tata AIA Life investment plan with Tata Flexi Growth Fund in the year 2023. You stay invested for 20 years and your expected rate of return of 18% p.a.
With the help of SIP Calculator, you can estimate your total fund value of around Rs. 1.76 crores after 20 years of investment in the Tata NFO Flexi Growth Fund.
This is the magic of Flexi Growth Fund

Flexi Growth Fund with the Power of 3

Diversity is the core principle of this innovative investment strategy. The Tata Flexi Growth Fund strategically spreads investments across different sectors, industries, and market caps to avoid over-reliance on any single area of the market.

lntroducing the Power of 3: Flexi Growth Fund

In the world of investments, the Tata Flexi Growth Fund stands out by distributing investments across a spectrum of sectors, industries, and market caps. This deliberate strategy ensures that the fund is not excessively dependent on any one specific market area, promoting stability and mitigating risks.

Working Strategy of Tata Flexi Growth Fund

When the markets start to go up, Tata NFO Flexi Growth Fund invests in mid & small caps:
- During bullish market conditions and economic prosperity, the Tata AIA new NFO Flexi Growth Fund strategically allocates investments to mid & small-cap stocks.
- Improved growth and profitability of mid & small cap stocks lead to exceptionally high returns during periods of economic expansion.
When the market goes down, invest in large caps
- As markets start to decline and the economic rally slows down, the Tata NFO Flexi Growth Fund adapts by reallocating investments to large caps.
- Large cap stocks represent fundamentally stable companies where the impact of market downside is minimal.
- In times of economic downturn, large cap stocks have the potential to offer better returns and ensure continued capital appreciation.

Flexi Cap Fund Returns – Fund for All Seasons

A Flexi cap fund is an investment for all market conditions for the following reasons:

You invest in a fund that provides flexible market capitalization allocation without constraints.
This fund allows you to explore an "All-in-One" equity fund where your investment spans across Large Caps, Mid-Caps, and Small Caps.
The following table shows the fund's impressive returns over the past 10 years, showcasing growth across different market segments:

Market Cap 10-Year Returns

Large Cap 15%

Mid Cap 21%

Small Cap 22%
You get to benefit from a fund manager's strategic approach, dynamically switching between market caps based on the prevailing market cycle to generate positive returns.

You can identify and invest in companies with robust growth prospects, strong management, and high-quality business models.
The Flexi Cap Fund invests in high-performance companies, even as they transition from small cap to mid cap funds.
Navigate volatile market conditions with increased flexibility, allowing the fund to adapt and perform optimally during uncertain times.
You can navigate volatile market conditions with increased flexibility, allowing the fund to adapt and perform optimally during uncertain times.

Tata AIA Life Insurance Company Limited is a joint venture between Tata Sons Limited (74%) and AIA Group Limited (26%).
The company holds a Claim Settlement Ratio (CSR) of 99.01% in the Financial Year 2021-22.
The company has Assets Under Management (AUM) of Rs. 73,500 crores
Tata AIA Life Insurance plans provide substantial life cover, ensuring financial security for your loved ones in the event of your untimely demise.

Risk–Return Performance of Different Tata Life Funds

Various Tata AIA funds across the risk-return spectrum for policyholders of different risk-appetite are mentioned in the table below:

Tata AIA multiple funds

Tata Life Fund Performance

Tata Life Insurance offers a variety of funds across different categories, each with its own unique risk and return profile. The following top 9 funds offered by Tata Life have provided more than 20% annual returns in 5 years:

Fund Name	Benchmark	Date of Inception	Fund Size (in Crores)	5-Year Returns	10-Year Returns	Returns Since Inception (RSI)
Top 50 Fund	Nifty 50 – 100%	12 January 2009	Rs. 213 Cr.	16.1%	14.6%	14.4%
Multi Cap Fund	S&P BSE 200 – 100%	05 October 2015	Rs. 3,707 Cr.	25.9%	N.A.	21.6%
Large Cap Equity Fund	Nifty 50 – 100%	11 January 2008	Rs. 2,121 Cr.	18.9%	16.2%	11.5%
Whole Life Mid Cap Equity Fund	Nifty MidCap 100 – 100%	10 January 2007	Rs. 253 Cr.	21%	21.7%	15.5%
Whole Life Aggressive Growth Fund	Nifty 50 – 65%, CRISIL Composite Bond Fund Index – 35%	12 January 2007	Rs. 667 Cr.	16.5%	15.6%	12.3%
Top 200 Fund	S&P BSE 200 – 100%	12 January 2009	Rs. 1,259 Cr.	25%	20.5%	18.9%
Super Select Equity Fund	Nifty 500 Shariah – 100%	21 October 2009	Rs. 1, 129 Cr.	15.7%	16.9%	14%
India Consumption Fund	S&P BSE 200 – 100%	05 October 2015	Rs. 1,118 Cr.	24.1%	N.A	19.9%
Whole Life Stable Growth Fund	Nifty 50 – 40%, CRISIL Composite Bond Fund Index – 60%	18 January 2007	Rs. 210 Cr.	13.4%	12.6%	10%

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Tata AIA Life is recognized as the top-performing fund house historically over a 5-year, 7-year, and 10-year returns period.
It has performed outstandingly in mid-cap and small-cap space, with the best-performing New Fund Offers (NFOs).
Impressive 94.94% of Tata AIA funds hold a 4/5-star rating.
Tata AIA funds consistently deliver returns that surpass industry benchmarks.

Tata Life Fund Performance of Previously Launched NFOs

The summary of the performance of previously launched NFOs (New Fund Offers) by Tata Life Insurance is as follows:

Name of NFO	Returns Since Inception (RSI)	Date of Inception
Emerging Opportunities Fund	21.5%	31 December 2022
Small-Cap Discovery Fund	43.1%	24 July 2023

How to Buy Tata Life Flexi Growth Fund?

There are various plans available to you for buying Tata Life Flexi Growth Fund, some of them are as follows:

Tata Fortune Pro
Tata Capital Guarantee Solution
Tata Smart Sampoorna Suraksha Plan
Tata Fortune Pro - Waiver of Premium (WOP) Child Plan
Tata Fortune Maxima

Let us learn about the key features of top plans with high returns offered by Tata Life in detail below:

Tata Fortune Pro

Tata Life has made several changes to its widely preferred Tata Fortune Pro plan:

Particulars	Tata Fortune Pro (Old)	Tata Fortune Pro (New)
Max. Entry Age	59 years	65 years
Max. Maturity Age	75 years	80 years
Policy Term (PT)	15 – 40 years	6 – 40 years
Premium Payment Term (PPT)	Single Pay Lump Sum: 5, 7, 10, 15, and 20 years Regular Premium: 15 and 20 years	Single Pay Lump Sum: 5 and 20 years Regular Premium: 12 and 40 years
Min. Monthly Premium	Rs. 2,000 per month

Tata Capital Guarantee Solution Plans:

Plan Terms	Growth CG (Lump Sum)	Child CG	Retirement CG
Plan Components	Fortune Pro + Guaranteed Return Insurance Plan (GRIP)/ Smart Income Plan (SIP)	Fortune Pro + Smart Income Plan (SIP)	Fortune Maxima + Smart Income Plan (SIP)
Policy Term	5 – 30 Years	15 or 20 Years	ULIP: 99 Years minus Age & Traditional: 15, 21 & 25 Years
Premium Payment Term (PPT)	5,6,7,8,10,12 Years	5,7,10 Years	5,7,10 Years
Minimum Premium	Rs. 3,200	Rs. 4,500	Rs. 4,800
Buying for others	Available	Available (Child is Life Assured)	Available

Tata Smart Sampoorna Raksha

Tata AIA is offering the new Tata Life Flexi Growth Fund NFO with its Smart Sampoorna Raksha plan with the following features:

Particulars	Features
Premium Allocation Charge Refund	Premium Allocation Charge Refund is provided from the 11th policy year 2 times the mortality charge deducted in the 120th month prior is added to the Fund Value monthly.
Extended Premium Allocation Charge Refund	At the end of the 10th, 11th, and 12th policy years, an Extended Premium Allocation Charge Refund is provided 2 times the Premium Allocation Charges deducted 10 years prior is added to the Fund Value
Accidental Benefit Rider	You get a lump sum payout for accidental death. The plan provides a two-time payout for death due to public transport.
Disability Benefit Rider	A lump sum payout for total permanent disability is provided. The plans offer a two-time payout for disability due to public transport.

Benefits of Purchasing Tata Life Flexi Growth Fund from Policybazaar

The key benefits of purchasing Tata Life Flexi Growth Fund from Policybazaar are as follows:

Transparent Charges: Policybazaar ensures transparency in charges associated with the purchase of Tata Life Flexi Growth Fund, promoting a clear understanding of the investment process.
Convenient Online Investing: Easily invest in Tata Life Flexi Growth Fund through Policybazaar, eliminating the need for in-person visits to banks or agents.
Comparative Analysis: Policybazaar offers a platform for comparing various plans, including new funds, ensuring you make an informed decision and secure the best available deal.

Expert Financial Guidance: Access a team of financial experts at Policybazaar to help you choose the most suitable Tata AIA Life new NFO plan based on your specific requirements and financial goals.
Tax Advantages: Investing through Policybazaar in Tata Life Flexi Growth Fund can provide tax advantages. The platform assists in understanding and navigating potential tax benefits optimizing your financial planning.
Effortless Redemption: Policybazaar streamlines the redemption process for your Tata Life NFO investment, subject to the terms and conditions outlined in the NFO document.

How to Buy Tata Life Flexi Growth Fund from Policybazaar?

You can follow the steps mentioned below to start investing in Tata Life Flexi Growth Fund:

Step 1: Access Policybazaar- Visit the Policybazaar website or use the Policybazaar app. Log in if you have an account; otherwise, create one.

Step 2: Fill in Personal Details- Once logged in, enter your credentials in the provided form. This information helps in determining personalized benefits for you.

Step 3: Choose Tata Life Plan- Review the list of Tata Life Plans. Select the Tata Life Flexi Growth Fund that suits your needs, for example:

Tata Fortune Pro
Tata Capital Guarantee Solution
Tata Smart Sampoorna Suraksha Plan
Tata Fortune Pro - Waiver of Premium (WOP) Child Plan
Tata Fortune Maxima

Step 4: Explore Flexi Growth Fund - If interested to learn more about the Flexi Growth Fund then click on "Get Details”. You can also consider a free expert consultation by clicking "Talk to Expert."

Step 5: Review and Proceed- Carefully review the plan details. Click "Proceed" if satisfied and follow the on-screen prompts to proceed with the purchase.

Step 6: Enter Investment Details- Specify the investment amount. Choose your preferred payment mode.

Step 7: Complete KYC (Know Your Customer) - Provide essential KYC details as required for regulatory compliance.

Step 8: Make Payment- Complete the payment process. Upon successful payment, you will receive confirmation of your purchase.

Conclusion

Tata Flexi Growth Fund's New Fund Offer (NFO) presents a compelling opportunity for you to participate in a well-managed and flexible investment option. With its innovative approach and potential for growth, the Tata Life new NFO provides an attractive entry point for those looking to diversify their portfolio and capitalize on market opportunities. Considering your investment objectives, the Tata Flexi Growth Fund NFO could be a strategic addition to your financial planning.

FAQ's

Which Tata plans offer the Tata Flexi Growth Fund?
You can invest in the Tata Life Flexi Growth Fund by purchasing the following plans:
- Tata Fortune Pro
- Tata Capital Guarantee Solution
- Tata Smart Sampoorna Suraksha Plan
- Tata Fortune Pro - Waiver of Premium (WOP) Child Plan
- Tata Fortune Maxima
- Tata Fortune Guarantee Supreme
- Tata Fortune Guarantee Plus
What is the NAV of Tata Life Flexi Growth Fund NFO?

The starting Net Asset Value of Tata Life Flexi Growth Fund NFO is Rs. 10 per unit from 01 December up to 30 December 2023.
Who should invest in Tata Life Flexi Growth Fund?
The Tata Life Flexi Growth Fund is a good option for investors who:
- Have a long-term investment horizon
- Are comfortable for investing a high risk high return fund
- Aim for capital appreciation over the medium to long-term
How does the Tata Life Flexi Growth Fund benchmark its performance?

The Tata Life Flexi Growth Fund compares its performance to the NSE 500 Index (100%).
What are the tax implications under the Tata Life Flexi Growth Fund?

You can avail of tax deductions of up to Rs. 1.5 lakhs under Section 80C and tax free returns under Section 10(10D) of the Income Tax Act if your premium paid is less than Rs. 2.5 lakhs, 1961 on your investments in the Tata Life Flexi Growth Fund.

†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. The sorting is based on past 10 years’ fund performance (Fund Data Source: Value Research). 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 01-11-2024
*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).