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Aditya Birla Sun Life AMC Limited

Aditya Birla Sun Life AMC Limited

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    Income Funds

    Income Solution

    Income Solution could be an ideal investment opportunity for investors seeking regular income with low risk. If you need supplemental income to elevate your lifestyle or meet the financial requirements of your family post retirement, our Income solution will seek to provide consistent income by investing your capital in investments with moderate level of risk.

    Since the primary intent of our Income Solution is to create a consistent income source of you, the scheme under this solution seek to invest primarily in fixed income instruments with a limited exposure to equity markets



    Why our Income Solution makes sense for you?


    • • Stability of debt with growth potential of equity
    • • Inflation adjusted returns
    • • Provide Diversification
    • • Protection against Market volatility
    • • Tax-efficient


    Who should invest in Income Solution?


    • • Retired individuals seeking consistent income
    • • Professionals looking for alternate income sources
    • • Individuals with a low to moderate risk profile
    • • Investors with an investment horizon of at least 4-5 years


    Frequently Asked Questions

    Income solutions comprise of debt-oriented hybrid funds. These are funds which invest in a mix of equity and debt instruments, with a larger proportion towards debt funds. This is towards the objective of the fund to earn regular income for its investors along with a proportion of capital growth.

    These funds are ideal for you if you are looking for alternative investment means to earn regular periodic income along with a potential for capital appreciation, at a moderate risk level.

    Conservative hybrid funds have a dual objective of earning regular income as well earing capital growth. It is this wealth creation potential that can help you earn extra as an investor to potentially beat inflation over time.

    Conservative Hybrid funds are suitable for investing over the medium to long term – in excess of 3 years. These funds can be invested in over the long term if you are looking for regular returns but have relatively low risk appetite.

    These funds have a lower risk level than equity funds, yet a higher risk level than pure debt funds due to the proportion invested in equity funds.

    Even though these funds invest a larger proportion in debt funds and carry a lower risk level than equity-oriented funds, however they cannot guarantee periodic returns. The ability of the fund to distribute periodic returns is dependant on its available distributable surplus. This is subject to interest rate and credit risk.

    The taxation of these funds on redemption are akin to the taxation of debt funds. Funds held for 36 months or more are taxed as long-term capital gains – at 20% tax rate after indexation. Funds held for period shorter than this are taxed as short-term capital gains, added to your income and taxed at slab rates

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