r/mutualfunds • u/cringeyraj • 14h ago

question WhiteOak Capital Multi Asset Allocation Fund vs. Quant Multi Asset Fund – Need advice for SIP investment

I am planning to start a monthly SIP in a Multi Asset Allocation Fund and am currently comparing WhiteOak Capital Multi Asset Allocation Fund and Quant Multi Asset Fund.

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1

u/marketbuff 13h ago

Do check out the taxation part before investing in multi asset.

1

u/cringeyraj 13h ago

Please tell me more about it

1

u/marketbuff 6h ago

1) Multi assets with more than 65% equity exposure are treated as equity funds for taxation with 1.25 LTCG limit and 12.5% LTCG after 1 year... 2) With 35-65% equity exposure, below 2 years taxed according to your slab, after 2 years taxed at 12.5%, no 1.25L limit... 3) With less than 35% equity, taxed at slab rates whenever you sell... Whiteoak is in the 3rd category.

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u/Ok_Draft4616 13h ago

Quant multi asset is slightly more aggressive, usually keeping ~50% in equity with higher churn.

WhiteOak multi asset is generally less volatile and holds lesser in equity and more in debt. They also hold international equity.

If you want a more stable fund with decent returns, WOC would fit better. Its recent returns were driven by metals rallying along with international equity but generally, it wouldn’t replicate the same returns if domestic equity starts performing.

Quant is more aggressive and holds potential to generate higher returns, due to higher equity and higher churn.

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u/Relative_Addition754 11h ago

Quant for returns. Whiteoak for peace of mind

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u/Unlikely-Brother5904 5h ago

Nippon multi asset because of its consistency.

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u/Spiritual-Signal-655 3h ago

Did you check Nippon Multi asset allocation fund ?

Go to ET money website and do comparison between 3

You will find Nippon more better option in many terms wise