{"id":19826,"date":"2020-12-01T10:09:50","date_gmt":"2020-12-01T04:39:50","guid":{"rendered":"https:\/\/www.fundsindia.com\/blog\/?p=19826"},"modified":"2020-12-03T15:21:37","modified_gmt":"2020-12-03T09:51:37","slug":"hdfc-dividend-yield-fund-should-you-invest","status":"publish","type":"post","link":"https:\/\/fundsindia.com\/blog\/nfo\/hdfc-dividend-yield-fund-should-you-invest\/19826","title":{"rendered":"HDFC Dividend Yield Fund &#8211; Should you invest?"},"content":{"rendered":"<h3><b>HDFC Dividend Yield Fund <\/b><span style=\"font-weight: 400;\"><strong>&#8211;<\/strong> <em>&#8216;Value&#8217; oriented Fund positioned for Attractive Dividend Yield + Valuation Rerating + Reasonable Earnings Growth<\/em><\/span><\/h3>\n<h4 style=\"text-align: left;\"><span style=\"color: #333399;\"><b>FundsIndia View:<\/b><\/span> <span style=\"color: #339966;\"><b>Positive<\/b><\/span><\/h4>\n<p><span style=\"font-weight: 400;\">HDFC Mutual Fund has launched a new open-ended equity fund &#8211;\u00a0<\/span><b>HDFC Dividend Yield Fund.<\/b><span style=\"font-weight: 400;\"><br \/>\n<\/span><b>New Fund Offer Period:<\/b><span style=\"font-weight: 400;\"> 27-Nov-2020 till 11-Dec-2020<\/span><\/p>\n<h4><b><\/b><span style=\"color: #333399;\"><b>Investment Strategy<\/b><\/span><\/h4>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Invest in <\/span><b>high dividend yield stocks<\/b><span style=\"font-weight: 400;\">\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Preference for companies with stable business models, companies with growing dividends, buyback opportunities and companies trading at attractive dividend yield<\/span><\/li>\n<li style=\"font-weight: 400;\"><b>Well diversified Portfolio<\/b><span style=\"font-weight: 400;\">: <\/span><b>~ 40 to 50 stock<\/b><span style=\"font-weight: 400;\"><strong>s<\/strong> spread across market cap<\/span><\/li>\n<li style=\"font-weight: 400;\"><b>Sector agnostic <\/b><span style=\"font-weight: 400;\">with maximum allocation to any sector capped at ~40% &#8211; thereby offering diversification<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Fund to have <\/span><b>&#8216;Value&#8217; bias<\/b><\/li>\n<\/ul>\n<h4><span style=\"color: #333399;\"><b>Why are we positive on this fund?<\/b><\/span><\/h4>\n<p><span style=\"font-weight: 400;\">HDFC Dividend Yield Fund broadly has a three-pronged approach for achieving its return objective.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h5><b>1. Targeting a High Dividend Yield around 4%<\/b><\/h5>\n<p><span style=\"font-weight: 400;\">The fund invests predominantly in companies that have a high dividend yield. Generally such companies with high dividend yield are mature businesses with solid cash flow from operations &#8211; thereby they are less volatile. The average dividend yield of the Nifty Dividend Opportunities 50 index (benchmark for the HDFC Dividend Yield Fund) is 3.9%.\u00a0<\/span><\/p>\n<p><b>HDFC Dividend Yield Fund will be targeting roughly a dividend yield of 4%. This is roughly equivalent to Debt\/FD short term interest rates which makes the fund extremely attractive from a dividend yield standpoint.<\/b><\/p>\n<p>&nbsp;<\/p>\n<h5><b>2. Possibility of Valuation Rerating given the low current valuations<\/b><\/h5>\n<p><span style=\"font-weight: 400;\">Currently, the Nifty Dividend Opportunities 50 Index is trading at valuations much lower than the Nifty 50. The portfolio of HDFC Dividend Yield Fund (based on their model portfolio) is expected to have low PE of around 14 times. The value style has been underperforming the broader index in the past few years. Going by history, we expect the mean reversion to happen in the coming years which could result in significant outperformance owing to rerating of the value stocks.<\/span><\/p>\n<a href=\"https:\/\/www.fundsindia.com\/blog\/wp-content\/uploads\/2020\/12\/HDFCDYF001.png\"><img loading=\"lazy\" class=\"aligncenter  wp-image-19840\" src=\"https:\/\/www.fundsindia.com\/blog\/wp-content\/uploads\/2020\/12\/HDFCDYF001.png\" alt=\"\" width=\"547\" height=\"311\" srcset=\"https:\/\/fundsindia.com\/blog\/wp-content\/uploads\/2020\/12\/HDFCDYF001.png 629w, https:\/\/fundsindia.com\/blog\/wp-content\/uploads\/2020\/12\/HDFCDYF001-300x171.png 300w\" sizes=\"(max-width: 547px) 100vw, 547px\" \/><\/a>\n<p>&nbsp;<\/p>\n<h5><b>3. Portfolio to target reasonable earnings growth\u00a0<\/b><\/h5>\n<p><span style=\"font-weight: 400;\">Further to dividend yield and valuation rerating, HDFC Dividend Yield Fund will also benefit from underlying earnings growth. The fund will invest in companies with high dividend yield with an earnings growth potential of at least 12-15%. The fund will also invest in companies looking for buyback opportunities which will result in gains for the shareholder.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Apart from these, there is also <\/span><b>tax advantage<\/b><span style=\"font-weight: 400;\"> by opting to invest into dividend yield stocks through mutual fund schemes instead of a direct investment. Dividend income resulting from direct investments into companies is taxed at around 36%. But the same dividend income is tax free for a mutual fund investing into these stocks. And the investors will have to pay a tax of just ~12% on the resulting long term capital gains.<\/span><\/p>\n<h4><span style=\"color: #333399;\"><b>Summing it up &#8211; A well diversified \u201cvalue\u201d fund positioned for high dividend yield, valuation re-rating and reasonable earnings growth<\/b><\/span><\/h4>\n<ul>\n<li><span style=\"font-weight: 400;\">For <\/span><b>patient equity investors<\/b><span style=\"font-weight: 400;\"> with a <\/span><b>5 year time frame<\/b><span style=\"font-weight: 400;\"> and willingness to withstand near term underperformance, we believe HDFC Dividend Yield Fund can be a good choice for investors<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Our conviction on the fund is driven by three factors:<\/span><\/li>\n<\/ul>\n<p style=\"padding-left: 60px;\">\u00a0&#8211;<b> High Dividend Yield <span style=\"font-weight: 400;\">of<\/span> ~4%<\/b><\/p>\n<p style=\"padding-left: 60px;\">\u00a0&#8211;<b> Potential <span style=\"font-weight: 400;\">for a <\/span>valuation rerating <span style=\"font-weight: 400;\">given the<\/span> low current valuations<\/b><\/p>\n<p style=\"padding-left: 60px;\">\u00a0&#8211; Positioned for<span style=\"font-weight: bold;\"> reasonable earnings growth <\/span>around <span style=\"font-weight: bold;\">10-15%<\/span><\/p>\n<ul>\n<li><span style=\"font-weight: 400;\">For equity investors, this fund can be positioned under the \u2018Value\u2019 basket and the exposure can be built upto 10% of the equity portfolio<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Aggressive investors looking to improve their debt portion returns, can build up to 10% of their debt portfolio into this fund<\/span><\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>HDFC Dividend Yield Fund &#8211; &#8216;Value&#8217; oriented Fund positioned for Attractive Dividend Yield + Valuation Rerating + Reasonable Earnings Growth FundsIndia View: Positive HDFC Mutual Fund has launched a new open-ended equity fund &#8211;\u00a0HDFC Dividend Yield Fund. New Fund Offer Period: 27-Nov-2020 till 11-Dec-2020 Investment Strategy Invest in high dividend yield stocks\u00a0 Preference for companies [&hellip;]<\/p>\n","protected":false},"author":47,"featured_media":19877,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[506,607,509],"tags":[515,201,171,148,516,38,167,286],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v17.3 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>HDFC Dividend Yield Fund - Should you invest?<\/title>\n<meta name=\"description\" content=\"A &#039;Value&#039; oriented Fund positioned for attractive dividend yield, valuation rerating and reasonable earnings growth.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/fundsindia.com\/blog\/nfo\/hdfc-dividend-yield-fund-should-you-invest\/19826\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"HDFC Dividend Yield Fund - Should you invest?\" \/>\n<meta property=\"og:description\" content=\"A &#039;Value&#039; 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