NFO Offers Multi-Asset Allocation Across Equity, Debt, Gold & REITs

360 ONE Multi Asset Allocation Fund is a diversified open‑ended mutual fund launched by a SEBI-registered fund house via its New Fund Offer opening on 30 July 2025 and closing on 13 August 2025. It aims to deliver long-term capital appreciation by actively allocating investments across multiple asset classes—including equity and equity-related instruments, debt and money-market instruments, commodities (gold and silver), and units of REITs/InvITs. Managed by a team of seasoned professionals, the scheme dynamically adjusts asset allocation according to market conditions, valuation, momentum, and macroeconomic trends. It offers both direct and regular plans, with growth and dividend options, and caters to investors seeking a holistic, professionally managed investment solution in an increasingly volatile environment. The minimum investment is modest, and the structure includes exit-load provisions, making it accessible yet prudent for investors.

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Key Features of 360 ONE Multi Asset Allocation Fund

• Open Date: July 30, 2025
• Close Date: August 13, 2025
• Minimum Investment Amount: ₹1,000 (lump sum or SIP)
• Exit Load: 1% charged on redemption within 12 months for units exceeding 10% of investment

Objective of 360 ONE Multi Asset Allocation Fund

The primary objective of the 360 ONE Multi Asset Allocation Fund - Direct (G) is to provide investors with an actively managed multi-asset portfolio that combines growth potential and income generation through strategic exposure across equities, debt, commodities, and real estate-linked instruments. There is no guarantee of returns; the scheme seeks capital appreciation over the long term by dynamically balancing asset classes in response to changing market dynamics and macroeconomic conditions.

Investment Strategy of 360 ONE Multi Asset Allocation Fund

• Actively allocate across four core asset classes: equity & equity-related instruments (15–35%), debt & money-market instruments (25–50%), commodities such as gold & silver (25–40%), and REITs/InvITs (0–10%).
• Use bottom-up stock selection for equities, guided by valuation and momentum indicators
• Manage debt allocation dynamically, focusing on high-quality duration-sensitive instruments
• Invest in commodity ETFs or derivatives for inflation hedging and diversification
• Utilise selective derivatives (hedging/arbitrage) up to specified exposure limits

Risks Associated with 360 ONE Multi Asset Allocation Fund

• High risk rating: asset mix includes volatile instruments like equities and commodities, subject to market swings. 
• Equity exposure can lead to significant downside in market corrections
• Debt allocation is sensitive to interest rate changes and credit quality dips
• Commodity investments can fluctuate sharply in response to global inflation, policy, and geopolitical factors
• Use of derivatives introduces counterparty, leverage, and liquidity risks
• REITs/InvITs carry underlying real estate market and liquidity risk
• Dynamic rebalancing may lead to transaction costs and potential tax inefficiencies

Risk Mitigation Strategy by 360 ONE Multi Asset Allocation Fund

• The 360 ONE Multi Asset Allocation Fund - Direct (G) deploys a robust risk mitigation framework by diversifying across multiple asset classes—equity, debt, commodities, and real estate securities—to smoothen volatility and reduce concentration risk.
• Active portfolio rebalancing ensures that exposure remains within defined limits, while asset shifts respond promptly to macroeconomic signals and valuation shifts.
• Debt allocation targets high-quality instruments to limit credit risk, and commodity positions are typically hedged or held via ETFs to contain volatility.
• Use of derivatives is restricted within regulated bounds and serves strategic hedging rather than speculation. Ongoing stress testing, liquidity monitoring, and valuation protocols further help safeguard investor capital under varied market conditions.

What Type of Investor Should Invest in 360 ONE Multi Asset Allocation Fund?

• Investors seeking balanced growth and income across equities, debt, commodities and real estate
• Individuals with moderate to high risk appetite looking for a one-stop diversified investment vehicle
• Those aiming to simplify portfolio management with dynamic asset allocation and professional oversight
• Investors are comfortable with market volatility and seek long-term capital appreciation

Where Will the 360 ONE Multi Asset Allocation Fund Invest?

• Listed equity and equity-related instruments across sectors and market capitalisations
• Fixed income and money-market securities, such as corporate bonds and commercial paper
• Commodities like gold and silver through ETFs or exchange-traded instruments
• Units of real estate investment trusts (REITs) and infrastructure investment trusts (InvITs)