How Did A ₹20,000 SIP in the UTI Flexi-Cap Fund Turn Into Nearly ₹16 Lakh in 5 Years?

A ₹20,000 SIP into the UTI Flexi-Cap Fund could have significantly compounded your savings in 5 years. This is because when you invest regularly through a Systematic Investment Plan, compounding helps your money grow faster as your gains are reinvested to generate more profits. Your total investment of ₹12 lakh would have amounted to ₹16.3 lakh.

Who Manages the UTI Flexi-Cap Fund?

The UTI Flexi-cap Fund is managed by a team of experienced professionals:

• Mr. Ajay Tyagi, with a Master's in Finance and CFA, has been managing the scheme since 2016.
• Mr. Ravi Gupta, CFA charterholder from the USA and PGDM in Finance from IIM Lucknow, joined as Assistant Fund Manager in 2024.
• Mr. Kamal Gada, with qualifications including CA, CS, and CFA, also assists in managing the fund.

Their expertise plays a key role in selecting the right stocks and managing your investment wisely.

What Makes the UTI Flexi-cap Fund Special?

• Focus on Quality and Growth: The fund invests in high-quality companies that have strong potential to grow.
• Disciplined Stock Selection: Instead of just following market trends, the fund carefully studies the fundamentals of each company before investing.
• Diversified Portfolio: It invests in companies of all sizes – large, mid, and small caps. This helps in spreading risk and capturing opportunities across the market.

How Has UTI Flexi-Cap Fund Performed So Far?

The fund has given an average return of 12.58% per year over 5 years, which means your money could have grown steadily. The total return during this time had been 35.83%.

The UTI Flexi-Cap Fund also manages risk well:

• Its Beta is 0.79%, which means it is less risky and less affected by market ups and downs.
• The standard deviation is 11.64%, showing it has moderate risk, lower than the benchmark’s 13.34%.
• The Sharpe ratio is 0.47%, meaning it gives good returns compared to the risk taken.
• The fund changes its investments by only 9% each year, which shows it is carefully managed and stable.

Expense Ratio and Costs

The fund’s expense ratio is reasonable, with 1.66% for regular plans and 1% for direct plans. Lower expenses help investors retain more of their returns.

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Conclusion

If you want to grow your money with a balanced approach that combines quality stocks, expert management, and the power of compounding, the UTI Flexi-cap Fund is worth considering. Its proven track record, disciplined investment strategy, and diversified portfolio make it a reliable option for long-term wealth creation. By investing ₹20,000 monthly, you can potentially see significant growth over five years.

Disclaimer: This blog has been written exclusively for educational purposes. The securities mentioned are only examples and not recommendations. This does not constitute a personal recommendation/investment advice. It does not aim to influence any individual or entity to make investment decisions. Recipients should conduct their own research and assessments to form an independent opinion about investment decisions.

Investments in the securities market are subject to market risks. Read all the related documents carefully before investing.