November 6, 2025

Inflation is quietly eating away at your money, but don’t worry — SBI Mutual Fund has a colorful solution! Gaurav Dharmarha, National Head of Retail Distribution & Alliance at SBI Mutual Fund, says multi-asset allocation funds are the magic wand investors need right now. Why? Because these funds mix different kinds of investments like stocks (equity), bonds (debt), gold, silver, and REITs (real estate investment trusts) into one smart bundle. This mix helps protect your money’s power even when prices rise. "What you could buy for ₹100 a few years ago might now cost ₹105 or ₹110," Dharmarha explains. "That’s why investing across equity, debt, real estate, and precious metals is key to preserving purchasing power — and multi-asset funds make that process seamless." What makes these funds even more exciting is their flexibility. When stocks stayed flat over the last year, fund managers cleverly shifted money into gold and silver to keep returns steady. Dharmarha says this expertise is a big plus for everyday investors. Taxes can often be a pain, but not here! These funds are very tax-friendly. "They’re taxed at just 12.5% under long-term capital gains rules, and internal shifts inside the fund don’t trigger taxes for investors," he says. Plus, you don’t have to worry about juggling your investments or timing the market. The experts do that for you. Who should jump on this trend? New investors get a smooth start with these funds. Seasoned investors should think about putting 10–20% of their investments here to add balance. For retirees needing steady returns and lower risk, Dharmarha suggests even 40–50%. The secret lies in the fund’s flexibility. Funds with about 35% in equities allow managers to quickly switch between debt, metals, and REITs, grabbing the best chances as market scenes change. To wrap it up, Dharmarha believes these funds are the future recipe for smart investing: "They simplify diversification, optimize taxation, and help investors stay invested through market ups and downs. Ultimately, they make your money work smarter — not harder." So, if beating inflation and keeping your money growing sounds like your kind of masala, multi-asset allocation funds might be your best pick!

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Tags: Multi-Asset Funds, Inflation, Investment, Sbi Mutual Fund, Portfolio Stability, Gaurav Dharmarha,