Capitalmind Multi Asset Allocation Fund

Powered by Capitalmind Dynamic Asset Allocation Engine

Rules based asset allocation engine actively reads market signals and determines allocations among equity, fixed income & commodities

Equity Signals

Fundamental and Price

Commodity Signals

Rules based trend following approach

Debt signals

Macros and Interest rate trajectory

Dynamic Asset
Allocation Engine

Equities

Growth

Multi-factor strategy that picks stocks based on our quantitative model capturing long-term growth. Minimum 35% equity exposure ensures equity taxation benefit.

Target Allocation 35% - 80%

Fixed Income

Stability & Liquidity

For providing stability and keeping "dry powder" ready for opportunistic redeployment.

Target Allocation 10% - 55%

Commodities

Hedge & Diversification

Allocating beyond Gold and Silver to capture growth cycles of commodities that are truly building the world

Target Allocation 10% - 55%

Equity Signals

Fundamental and Price

Commodity Signals

Rules based trend following approach

Debt signals

Macros and Interest rate trajectory

Dynamic Asset Allocation Engine

Equities

Growth

Multi-factor strategy that picks stocks based on our quantitative model capturing long-term growth. Minimum 35% equity exposure ensures equity taxation benefit.

Target Allocation 35% - 80%

Fixed Income

Stability & Liquidity

For providing stability and keeping "dry powder" ready for opportunistic redeployment.

Target Allocation 10% - 55%

Commodities

Hedge & Diversification

Allocating beyond Gold and Silver to capture growth cycles of commodities that are truly building the world

Target Allocation 10% - 55%

Diversified Investment Universe

Equity

Indian Equities

International Stocks*

REIT

Debt

InvITs

Govt Bonds

Corporate Bonds

Commodities

Gold

Silver

Crude Oil

Gas

Copper

Zinc

*Disclaimer: Will expand to include international stocks when RBI Limits permit

Capitalmind Multi Asset Model

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Over 5 year period, investment of ₹1 lakh in Capitalmind Multiasset Model grew to ₹3.08 lakhs vs. Benchmark's ₹1.96 lakhs.

	Model	Benchmark	N500 TRI
CAGR	42.6%	18.1%	7.5%
Volatility	12.3%	5.9%	9.4%
Max Drawdown	-4.7%	-5.3%	-12.7%
Sharpe Ratio	2.7	2.7	0.8

Disclaimer: Simulation data from Mar-2017 to Dec-2025. The performance of the model does not represent the performance of the scheme. Actual allocation may vary; portfolio will be managed as per the stated investment objective in the scheme information document (SID). Past performance may or may not be sustained in future and is not a guarantee of any future returns. Benchmark refers to 50% NIFTY 500 TRI + 25% NIFTY Composite Debt Index + 25% MCX iCOMDEX Composite Index.

Capitalmind

Multi Asset

Model

CAGR 42.6%

Volatility 12.3%

Benchmark

18.1%

5.9%

Nifty 500

TRI

7.5%

9.4%

CAGR

Volatility

	Model	Benchmark	N500 TRI
CAGR	31.8%	15.4%	17.7%
Volatility	10.7%	6.7%	11.7%
Max Drawdown	-8.6%	-8.3%	-18.6%
Sharpe Ratio	2.6	2.1	1.3

Disclaimer: Simulation data from Mar-2017 to Dec-2025. The performance of the model does not represent the performance of the scheme. Actual allocation may vary; portfolio will be managed as per the stated investment objective in the scheme information document (SID). Past performance may or may not be sustained in future and is not a guarantee of any future returns. Benchmark refers to 50% NIFTY 500 TRI + 25% NIFTY Composite Debt Index + 25% MCX iCOMDEX Composite Index.

Capitalmind

Multi Asset

Model

CAGR 31.8%

Volatility 10.7%

Benchmark

15.4%

6.7%

Nifty 500

TRI

17.7%

11.7%

CAGR

Volatility

	Model	Benchmark	N500 TRI
CAGR	25.2%	14.4%	17.3%
Volatility	10.4%	7.9%	12.9%
Max Drawdown	-10.4%	-9.7%	-18.6%
Sharpe Ratio	2.3	1.8	1.4

Disclaimer: Simulation data from Mar-2017 to Dec-2025. The performance of the model does not represent the performance of the scheme. Actual allocation may vary; portfolio will be managed as per the stated investment objective in the scheme information document (SID). Past performance may or may not be sustained in future and is not a guarantee of any future returns. Benchmark refers to 50% NIFTY 500 TRI + 25% NIFTY Composite Debt Index + 25% MCX iCOMDEX Composite Index.

Capitalmind

Multi Asset

Model

CAGR 25.2%

Volatility 10.4%

Benchmark

14.4%

7.9%

Nifty 500

TRI

17.3%

12.9%

CAGR

Volatility

	Model	Benchmark	N500 TRI
CAGR	22.4%	13.6%	16.2%
Volatility	11.8%	12.9%	20.6%
Max Drawdown	-15.2%	-25.8%	-38.1%
Sharpe Ratio	1.8	1.0	0.8

Disclaimer: Simulation data from Mar-2017 to Dec-2025. The performance of the model does not represent the performance of the scheme. Actual allocation may vary; portfolio will be managed as per the stated investment objective in the scheme information document (SID). Past performance may or may not be sustained in future and is not a guarantee of any future returns. Benchmark refers to 50% NIFTY 500 TRI + 25% NIFTY Composite Debt Index + 25% MCX iCOMDEX Composite Index.

Capitalmind

Multi Asset

Model

CAGR 22.4%

Volatility 11.8%

Benchmark

13.6%

12.9%

Nifty 500

TRI

16.2%

20.6%

CAGR

Volatility

Taxes get favourable after 2 years

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Investment period up to 2 years

Gains are treated as short term capital gains. Taxed as per your income tax slab, plus applicable surcharge and 4 percent cess.

Investment period above 2 years

Gains are treated as long term capital gains. Taxed at 12.5 percent, plus applicable surcharge and 4 percent cess.

*Disclaimer: This is not tax advice. Tax laws are subject to change as per government policy. Please consult a qualified tax advisor.

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Build for long term investors who

For investors who want diversification without juggling equity, debt, and commodity allocations separately
Want to leverage the tax-efficient mutual fund structure for asset allocation
Understand the philosophy of rule-based, quantitative approach towards investing
Prefer a hands-off approach, without the stress of chasing markets

The Capitalmind Way of Multi Asset Investing

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What matters

How we get it done

Ability to allocate dynamically. Not a static formula.

Quantitative framework to actively allocate across Equities, Commodities, and Debt based on signals like fundamentals, price, trends, and macros.

Diversification should not be limited to just Gold & Silver

Quantitative trend-following model to allocate to the 2 to 4 strongest commodities at any given time.

Tax efficiency is a value add

Rebalancing happens inside the fund, so investors pay no capital gains tax at every step. Additionally, the fund maintains an equity allocation of >35% to ensure eligibility for long-term capital gains taxation after 2 years.

Growth with peace of mind

Targets a smoother investment journey with lower volatility and drawdowns than pure equity.

Riskometer

Scheme Name: Capitalmind Multi Asset Allocation Fund

This product is suitable for investors who are seeking* :

Long term capital appreciation by investing in a diversified portfolio.
Investing in equity and equity related instruments, debt and money market instruments, Commodities including Exchange Traded Commodity Derivatives.

*Investors should consult their financial advisers if in doubt about whether the product is suitable for them.

Risk-o-meter^#

The Risk of the Scheme is at Very High Risk

Benchmark Riskometer

Benchmark Riskometer is at Very High Risk

(50% NIFTY 500 TRI + 25% NIFTY Composite Debt Index + 25% MCX iCOMDEX Composite Index)

(As per AMFI Tier I Benchmark)

#Kindly note that the above product labelling assigned during the New Fund Office (“NFO”) is based on internal assessment of the scheme characteristics or model portfolio and the same may vary post NFO when the actual investments are made.

Frequently Asked Questions

Why do you invest in commodities beyond just Gold?

Industrial metals like copper, aluminium, zinc, and silver move in cycles tied to building, manufacturing, and global demand. Energy commodities like crude oil and natural gas follow their own trends driven by growth, supply shocks, and geopolitics. These cycles often look very different from gold. If you only own gold, you miss a whole set of commodity trends that can show up at different times. That is why it helps to think beyond gold.

Is this better than buying stocks, bonds and gold separately myself?

Often, yes. When you manage separate funds, every rebalance can mean a sell and a tax event. In a Multi Asset Fund, the allocation shifts happen within the fund. You do not need to actively rebalance across multiple products. Tax on your gains applies when you redeem your units, subject to prevailing tax rules.

Do I have to accept lower returns for diversification?

Not necessarily. Diversification does not mean settling for low returns. It means trying to avoid relying on a single asset for outcomes. In our backtested model from March 2017 to December 2025, the model showed higher returns than the Nifty 50 with lower volatility. This is not a guarantee, but it shows that disciplined asset allocation can improve the investing experience without giving up on growth.

Where can I buy this fund?

You can invest through your preferred Mutual Fund platform (like Zerodha Coin, Grow, ICIC Direct), or through your Mutual Fund distributor. You can also invest directly through our website.

I have a question. How can I get in touch?

Please write to hello@capitalmindmf.com. You can also call us at 1800-570-5001 (toll free). We will be happy to help.

Is this fund suitable if I want to reduce equity risk but not be limited to only debt?

It can be a good fit. The fund combines equity, fixed income, and commodities, which can behave differently across market regimes. The goal is to participate in growth while aiming for a smoother journey than an equity only portfolio. This does not eliminate risk, and outcomes will vary with markets.