{"id":371,"date":"2012-10-08T12:50:37","date_gmt":"2012-10-08T07:20:37","guid":{"rendered":"https:\/\/blog.fundsindia.com\/?p=371"},"modified":"2014-03-11T12:24:29","modified_gmt":"2014-03-11T06:54:29","slug":"hdfc-childrens-gift-investment-plan-invest-a-fund-for-your-childs-portfolio","status":"publish","type":"post","link":"https:\/\/fundsindia.com\/blog\/mf-research\/mutual-funds\/hdfc-childrens-gift-investment-plan-invest-a-fund-for-your-childs-portfolio\/371","title":{"rendered":"HDFC Children\u2019s Gift \u2013 Investment Plan: Invest"},"content":{"rendered":"

\u00a0 A Fund for your child\u2019s portfolio<\/strong><\/p>\n

If you are looking to build wealth for your child\u2019s future,\u00a0HDFC Children\u2019s Gift fund \u2013 Investment Plan<\/a>\u00a0is a good option. With a sound track record, this equity-oriented balanced fund has outperformed the average returns of pure equity funds over three and five-year periods. The fund can hold about a fourth of its assets in debt. It has used this mandate to effectively contain declines better than pure equity funds.<\/p>\n

HDFC Children\u2019s Gift<\/a>\u00a0delivered 17 per cent compounded annually in the last three years, beating peer funds from the same stable \u2013 HDFC Prudence and HDFC Balanced.<\/p>\n

Invest Now<\/a> with a FREE<\/span> FundsIndia Account<\/div>\n

Suitability<\/strong>
\nThis fund is suitable for investors looking to build a long-term kitty (at least five years) for their child. Investments can be made only in the name of a minor child. (At\u00a0FundsIndia<\/strong><\/a>, you can invest in this fund through a minor\u2019s account).<\/p>\n

Within the investment plan there are two options: one, you can hold the fund and withdraw anytime, subject to exit load. Another option locks the investment for up to three years or when the minor turns 18, whichever is later. If you go for the latter, ensure that you stop SIPs at least three years before your goal date as each SIP will be subject to lock-in.<\/p>\n

Opt for investments through the SIP route. Over the last five years, an SIP in the fund would have delivered a good 17 per cent internal rate of return.<\/p>\n

Performance<\/strong>
\nHDFC Children\u2019s Gift<\/a>\u00a0outperformed top peers HDFC Prudence, HDFC Balanced and Reliance Regular Savings in the last three years by a good 2-7 percentage points. Its five-year return, though, lagged these peers by 1-2 percentage points. Lower mid-cap exposure compared with peers and adherence to a maximum of 75 per cent equity exposure (while some peers go up to 80 per cent) meant that its participation in such rallies is a bit capped. But its average returns (on a rolling basis) stood better at 15 per cent a year over the above period, suggesting that the point-to-point returns is influenced by market conditions.<\/p>\n

In the last\u00a0one year too, it could not beat its index only because the index has a 40 per cent weight to debt (as against 20 per cent by the fund now). Debt as a category has done well in the current high interest scenario.<\/p>\n

\"\"
\nPortfolio<\/strong>
\nHDFC Children\u2019s Gift<\/a>\u00a0has one half of its equities in large-cap stocks of over Rs 10,000 crore market cap. VST Industries, FAG Bearings and Eclerx services are some of the stocks in the mid-cap space that have delivered well for the fund in the past one year.<\/p>\n

Stocks from the pharma, banking and FMCG sectors account for over a third of the assets while the rest are in sectors including software, industrial products and auto ancillaries.
\n\"\"<\/p>\n

Most of the fund\u2019s holdings in debt are in triple-A rated instruments issued by private players such as HDFC and ICICI Bank and public sector companies such as Indian Railways Finance Corporation and Power Finance Corporation.<\/p>\n

Chirag Setalvad and Rakesh Vyas manage the fund.<\/p>\n

Also read our post on the free personal accident insurance cover<\/a>, offered by the AMC with this fund.
\nLogin to FundsIndia and start investing in HDFC Children’s Gift Fund >><\/strong><\/a><\/p>\n

Invest Now<\/a> with a FREE<\/span> FundsIndia Account<\/div>\n","protected":false},"excerpt":{"rendered":"

\u00a0 A Fund for your child\u2019s portfolio If you are looking to build wealth for your child\u2019s future,\u00a0HDFC Children\u2019s Gift fund \u2013 Investment Plan\u00a0is a good option. With a sound track record, this equity-oriented balanced fund has outperformed the average returns of pure equity funds over three and five-year periods. The fund can hold about […]<\/p>\n","protected":false},"author":4,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[61,6,72],"tags":[23],"yoast_head":"\nHDFC Children\u2019s Gift Investment Plan: Invest<\/title>\n<meta name=\"description\" content=\"If you are looking to build wealth for your child\u2019s future, HDFC Children\u2019s Gift Fund \u2013 Investment Plan is a good option.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.fundsindia.com\/blog\/mf-research\/mutual-funds\/hdfc-childrens-gift-investment-plan-invest-a-fund-for-your-childs-portfolio\/371\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"HDFC Children\u2019s Gift Investment Plan: Invest\" \/>\n<meta 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