Upcoming NFO: The Wealth Company Mutual Fund Files for Wealth Company Life Cycle Fund

The Wealth Company Mutual Fund has proposed The Wealth Company Life Cycle Fund 2041, an open-ended life cycle fund with a 15-year target maturity.  

The Scheme Information Document is dated September 1, 2026. The fund will follow a glide path, with its asset allocation changing according to the years left until maturity.  

The scheme’s investment objective is to generate capital appreciation through goal-based investing for long-term objectives, with 2041 as the target date. 

It can invest in equity and equity-related instruments, debt, money market instruments, InvITs, Gold and Silver ETFs, and exchange-traded commodity derivatives.  

Asset Allocation 

When 10 to 15 years remain until maturity, equity and equity-related instruments will account for 65%-80% of the portfolio, while debt can range from 5%-25%. Gold and Silver ETFs, Gold and Silver ETCDs and InvITs can account for 0%-10%.  

The equity allocation is set to reduce as the maturity date approaches. It can be 50%-65% with five to 10 years remaining, 35%-50% between three and five years, 20%-35% between one and three years, and 5%-20% in the final year. Debt exposure can rise to 25%-65% during the last three years.  

For periods with less than 10 years to maturity, the scheme may take equity arbitrage exposure of up to 50%, while keeping total equity and equity-related exposure within 65%-75%.  

Exposure through ETCDs will be limited to gold and silver.  

Benchmark and Risk 

The fund’s Tier I benchmark comprises the Nifty 200 TRI at 70%, Nifty Composite Debt Index at 25%, domestic gold prices at 3% and domestic silver prices at 2%. The scheme has been classified as Very High Risk.  

Investment Terms 

The minimum investment during the New Fund Offer (NFO) is ₹1,000, with subsequent investments in multiples of ₹1. SIPs are available from ₹100 for daily instalments and ₹250 for weekly, fortnightly, monthly and quarterly instalments.  

There is no entry load. Exit load is 3% for holdings up to one year, 2% for more than one year and up to two years, 1% for more than two years and up to three years, and nil after three years.  

Read More: Kotak Mahindra Mutual Fund Files for Kotak Nifty Infrastructure Index Fund! 

Conclusion 

The fund combines a 2041 target date with a predefined shift from higher equity exposure towards greater debt allocation as maturity approaches. It will remain open-ended, allowing subscriptions and redemptions on business days. 

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.   
 
Mutual Fund Investments are subject to market risks, read all the related documents carefully before investing.