Factsheet of Dynamic Multi-Asset PortfolioType of Model Portfolio: Multi-Asset PortfolioLaunch Date: 22nd April 2026Risk Level: HighMethodology: This portfolio follows a balanced and diversified investment strategy designed to optimize risk-adjusted returns. The methodology is based on the following key principles:1. Diversification Across Market CapitalisationLarge-Cap and Mid-Cap Allocation (Up to 60%): Stability and steady growth from well-established companies.Small-Cap Allocation (Up to 20%): Exposure to emerging companies with long-term growth opportunities with limited risk.2. Exposure to Alternative Assets for Risk HedgingGold ETF & Silver ETF (Up to 30%): May act as a hedge against market volatility and inflation.Debt ETF (Up to 20%): Provides stability and liquidity to the portfolio.3. Tactical Allocation Based on Market ConditionsThe portfolio weightage is flexible and subject to periodic review based on macroeconomic conditions, valuation metrics, and emerging opportunities.When Equities or Gold are overvalued, a portion may be shifted to Debt for stability. When Equities or Gold are undervalued, more allocation can be directed towards Equity or Gold.Adjustments are made within the framework to enhance returns and mitigate risks.This methodology ensures a structured yet dynamic approach to portfolio management, aligning with changing market conditions while maintaining a balance between growth, stability, and risk mitigation.Investment Horizon: up to 6 MonthsFrequency of portfolio review and update: The model portfolio does not follow a fixed review schedule. Instead, it is assessed dynamically based on prevailing market conditions, macroeconomic developments, and emerging investment opportunities.Portfolio rebalancing, if required, is conducted within the overall framework of the model portfolio to optimize risk-adjusted returns. Any changes, along with the underlying rationale, will be communicated to clients in a timely and transparent manner.Risk Disclosures for the Model Portfolio:The model portfolio carries inherent market risks that investors should be aware of. The key risks associated with this portfolio are as follows:1. Market Risk: The portfolio is exposed to fluctuations in equity markets, which may lead to volatility in returns.2. Interest Rate Risk: The Debt ETF allocation is subject to interest rate movements. Any changes in interest rates may negatively impact bond prices, affecting portfolio stability.3. Gold Price & Silver Price Volatility: The Gold ETF & Silver ETF allocation, while acting as a hedge, is subject to international price fluctuations and currency exchange rates. A sharp decline in prices may impact portfolio performance.4. Liquidity Risk: Some ETFs may have lower liquidity, leading to challenges in executing trades at desired prices, especially in volatile market conditions.5. Rebalancing & Tactical Risk: The portfolio does not follow a fixed review schedule and adjustments are made based on market conditions. Delays in rebalancing or changes in asset allocation may impact expected risk-return dynamics.6. Inflation & Economic Risks: Macro-economic factors such as inflation, GDP growth, and geopolitical events can impact overall market performance and, in turn, portfolio returns.Risk Management ApproachDiversification across asset classes, sectors, and market caps helps reduce concentration risk.The presence of Debt ETFs may provide downside protection.Investors should align their risk tolerance with the portfolio's risk profile before investing.Benchmarking of the Model Portfolio:The Nifty 500 Index has been chosen as the benchmark for this model portfolio, as it represents the broader Indian equity market, covering large-cap, mid-cap, and small-cap stocks. Given the portfolio’s diversified nature, Nifty 500 provides an appropriate reference for performance evaluation. Since Nifty 500 encompasses companies across different growth cycles, it serves as an effective reference point for assessing the relative performance of the model portfolio.The portfolio’s returns will be compared against the Nifty 500 Total Return Index (TRI), which includes dividends for a more accurate performance assessment. Any significant deviations from the benchmark will be analysed, and rebalancing decisions, if necessary, will be communicated accordingly.Model Portfolio – Key NotesPricing Methodology: For calculation purposes, closing price will be considered as the entry or exit price for any security. This approach ensures consistency and fairness in tracking portfolio performance.Performance Calculation: Portfolio performance will be measured from its launch date, assuming the initial NAV (Net Asset Value) as 100. Returns will be calculated based on the portfolio’s movements over different timeframes.Cash Flows & Rebalancing Adjustments: Any cash inflows or outflows arising from rebalancing, dividends received, or corporate actions will be accounted for in the cash balance. The next portfolio update will include a detailed annexure reflecting these changes along with proper workings.Dividend & Corporate Actions Treatment: Any dividends received will be considered in cash balance, and their impact will be reflected in the next update. Corporate actions like stock splits, bonus issues, or rights issues will be adjusted in the portfolio allocation accordingly.Rationale for the Model Portfolio:This model portfolio is structured to optimize risk-adjusted returns by diversifying across multiple asset classes - equities, gold, silver and debt. The primary objective is to achieve long-term capital appreciation while maintaining stability during market fluctuations. Each asset class serves a specific role in enhancing returns and mitigating risks, ensuring a well-rounded investment strategy.1. Equity Allocation – Growth & Wealth CreationEquity investments form the core of this portfolio, with exposure to large-cap, mid-cap, and small-cap stocks. This allocation provides a balance between stability and high-growth potential.Nifty Bees ETF – Large Cap StabilityTracks the Nifty 50 Index, offering exposure to India’s top 50 companies. Provides steady and relatively lower-risk returns due to established businesses with strong fundamentals. Suitable for long-term capital appreciation with lower volatility.Junior Bees ETF – Emerging Large Cap / Next 50 GrowthTracks the Nifty Next 50 Index, which includes companies just below the top 50 and potential future leaders of the market. These businesses are typically in a high-growth phase and may eventually move into the Nifty 50, offering strong upside potential. Compared to large caps, they carry slightly higher volatility but can deliver superior returns over the long term. Ideal for investors looking to capture early growth in tomorrow’s blue-chip companies while maintaining diversification.Nippon Nifty Midcap 150 ETF – Growth-Oriented MidcapsInvests in mid-cap companies, which offer higher growth potential compared to large caps. Midcaps tend to outperform in a growing economy but come with moderate volatility. Ensures diversification within the equity segment by capturing mid-cap opportunities.HDFC SML 250 ETF – High Growth Potential in Small CapsFocuses on small-cap stocks, which have the highest potential for rapid growth. Suitable for investors with a higher risk appetite, as small caps are more volatile. Complements the portfolio by adding exposure to emerging businesses.Gold Bees ETF – Stability in Uncertain Markets:Provides exposure to gold, which historically performs well during financial crises. Helps reduce portfolio volatility by acting as a defensive asset. Suitable for long-term wealth preservation and diversification.Silver Bees ETF – Industrial + Precious Metal Opportunity: Provides exposure to silver, a unique asset that combines precious metal stability with strong industrial demand (electronics, solar, EVs). Tends to perform well during economic expansion due to rising industrial usage, while also acting as a partial hedge in uncertain times. Compared to gold, silver is more volatile but offers higher upside potential.Liquid Bees – Safe & Liquid Asset Invests in money market instruments, offering safety and liquidity. Helps in capital preservation while earning a minimal return. Acts as a cash-equivalent holding for rebalancing or emergency liquidity.Disclaimers: 1. Investments in securities market are subject to market risks. Read all the related documents carefully before investing. Registration granted by SEBI and certification from NISM in no way guarantee performance of the intermediary or provide any assurance of returns to investors.2. We do not give any assurance or guarantee of profit or protection from loss in any form. We only provide research recommendations. We do not provide any service based on profit sharing, fixed returns, or similar services.3. The research analyst or research entity or his associate or his relative does not have financial interest in the subject companies.4. The research analyst or its associates or relatives does not have actual/beneficial ownership of one percent or more securities of the subject companies, at the end of the month immediately preceding the date of publication of the research report/ document or date of the public appearance.5. The research analyst or his associate or his relative does not have any other material conflict of interest at the time of publication of the research document/ Model Portfolio or at the time of public appearance.6. The research analyst or its associates does not have received any compensation from the subject companies in the past twelve months. The research analyst or its associates does not have managed or co-managed a public offering of securities for the subject company in the past twelve months.7. The research analyst or its associates does not have received any compensation for investment banking or merchant banking or brokerage services from the subject company in the past twelve months.8. The research analyst or its associates does not have received any compensation for products or services other than investment banking or merchant banking or brokerage services from the subject company in the past twelve months. The research analyst or its associates have not received any compensation or other benefits from the subject company or third party in connection with the research document.9. The research analyst has not been engaged in market-making activity for the subject company. The research analyst has not served as an officer, director or employee of the subject company.10. The research analyst did not receive any compensation or other benefits from the companies mentioned in the documents or third parties in connection with the preparation of the research documents. Accordingly, the research Analyst does not have any material conflict of interest at the time of publication of the research documents.Important Notes:a) These Research Services are provided by Aditya Hujband (Research Analyst License No. INH000011185).b) We do not give any assurance or guarantee of profit or protection from loss in any form.c) The securities quoted, if any, are for illustration only and are not recommended. 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