Bhai, aaj baat karte hain Aggressive Hybrid Funds
ki – yeh woh category hai jo bahut logon ko confuse karti hai, lekin samajh aa
jaye toh bilkul perfect middle-ground ban jaati hai equity aur safety ke beech.
Arre yaar, seedha seedha samjhaata hoon jaise hum coffee
pe baith ke discuss kar rahe hain.
Aggressive Hybrid Fund hota kya hai bhai?
Yeh ek tarah ka hybrid mutual fund hai (matlab
equity + debt ka mix). SEBI ne rule banaya hai ki inme 65% se 80% paise
stocks (equity) mein jaana chahiye, aur baaki 20% se 35% debt (bonds, FD
jaise instruments) mein. Matlab mostly equity wala feel, lekin thoda cushion
debt se mil jaata hai jab market girta hai.
Pure equity funds (jaise flexi cap ya midcap) ki tarah
full aggressive nahi, lekin conservative hybrid se zyada risky aur
growth-oriented. Isliye naam pada Aggressive Hybrid.
Fayde kya hain iske? (Benefits jo log bolte hain)
- Growth
+ Thoda Safety – 65-80% equity ki wajah se long term
mein 12-16%+ returns possible hain (jaise past 5 saal mein category
average ~13-15% CAGR raha hai). Debt portion market crash mein thoda
support deta hai, pure equity se kam girta hai.
- Auto
rebalancing – Fund manager khud hi equity zyada
hone par thoda bech ke debt mein daalta hai, ya girne par wapas equity
khareedta hai. Tu tension nahi leta.
- Tax
equity jaisa – Kyunki equity ≥65% hai, short term (1
saal se kam) 20% tax, long term (1 saal+) 12.5% LTCG (1 lakh tak tax
free). Debt funds se better tax treatment.
- Beginners
ya conservative equity investors ke liye best
– Jo pure stock market mein darr lagta hai, lekin FD se zyada return
chahiye – yeh sahi hai. 5-7-10 saal ke liye perfect.
Risks / Cons bhi toh bata na?
- Market
risk toh hai hi – 65-80% equity hone se crash mein
15-25% tak gir sakta hai (jaise 2020 corona mein gira tha).
- Short
term mein volatile – 1 saal mein kabhi 7-8% hi
return, kabhi negative bhi. Patience chahiye.
- Pure
equity se kam return long term mein – Agar market bahut bullish
rahe toh flexi cap ya midcap funds aage nikal jaate hain.
- Fund
manager risk – Allocation sahi se manage na kare toh
performance suffer.
Kaun invest kare? (Kaun se log ke liye sahi)
- Moderate
to high risk appetite wale
- 5+
saal ka horizon (kam se kam 3-5 saal toh banta hai)
- Jo
balanced approach chahte hain – na full aggressive, na full safe
- Retirement,
child education, house downpayment jaise goals ke liye SIP karne wale
Agar tu bilkul safe player hai toh conservative hybrid ya
balanced advantage better. Agar full risk lene ka mood toh pure equity jaa.
2026 mein scene kya hai?
Abhi February 2026 chal raha hai, last 1 saal thoda slow
raha category ka (average ~7-8% return), lekin 3 saal mein ~14-15%, 5 saal mein
~13%+ average. Market abhi correction phase mein lag raha hai, lekin long term
mein yeh category solid perform karti hai.
Kuch top performing / popular funds (recent data se,
direct plan growth):
- ICICI
Prudential Equity & Debt Fund – bahut bada fund, consistent, ~19-20% 5
saal returns
- SBI
Equity Hybrid Fund – sabse purana aur trusted
- Kotak
Equity Hybrid
- Canara
Robeco Equity Hybrid
- Mirae
Asset Aggressive Hybrid
- UTI
Aggressive Hybrid
Yeh sab regularly top performers mein aate rehte hain.
Past performance future guarantee nahi, lekin inka track record acha hai.
Final tip dost
Agar tu naya investor hai toh SIP se start kar
Aggressive Hybrid mein – ₹5,000-10,000 monthly daal, 7-10 saal mat chhedna.
Market up-down karega, lekin debt cushion + equity growth se accha compounding
hoga.
Kya bolta hai? Tera goal kya hai – retirement ya short
term kuch? Bata toh specific fund suggest kar sakta hoon! 😄
