Whiteoak Multi Asset in 2025



Whiteoak Multi Asset in 2025



When it comes to investing in a mutual fund, especially for a specific year like 2025, it’s not possible to definitively state that any single fund is “the best.” The performance of mutual funds can change based on market conditions, the fund manager’s strategy, and other economic factors. However, you can make an informed decision by evaluating a fund like the WhiteOak Capital Multi Asset Allocation Fund against your own investment goals and by comparing its performance and features to its peers.

Here’s a breakdown of what the available data suggests about the WhiteOak Capital Multi Asset Allocation Fund and how to assess it for your investment needs in 2025

WhiteOak Capital Multi Asset Allocation Fund: Key Metrics

Based on the latest available data (as of early September 2025)

  • Fund Type: Hybrid – Multi Asset Allocation
  • Launch Date: May 2023
  • Assets Under Management (AUM): Approximately ₹3,040 crore
  • Risk Profile: Moderately High / High
  • Expense Ratio: The expense ratio is a crucial factor. The Direct Plan has a lower expense ratio (around 0.36%-0.40%) compared to the Regular Plan (around 1.59%-1.63%). A lower expense ratio means more of your returns stay with you.
  • Holdings: The fund diversifies its portfolio across multiple asset classes, including:
    • Equity: Around 34%
    • Debt: Around 22%
    • Cash & Cash Equivalents: A significant portion, around 40%
    • Other: Including gold/silver-related instruments. Top holdings include government securities (GOI) and large-cap stocks, such as ICICI Bank and HDFC Bank.

Performance and Peer Comparison

                    While past performance is not a guarantee of future returns, it’s a good indicator of a fund’s potential.

  • Recent Performance: Over the past year, the fund’s direct plan has delivered returns of approximately 14.8% to 15.9%.
  • Peer Comparison: When compared to other multi-asset allocation funds, the WhiteOak Capital fund has shown competitive performance. Some of its peers, like the Quant Multi Asset Allocation Fund and ICICI Prudential Multi Asset Fund, have also delivered strong returns over the past 3 and 5 years, often higher than WhiteOak, but these funds have been around for a longer time. The WhiteOak fund’s one-year performance has been among the best in its category.
    How to Determine if it’s the “Best” for You

To decide if this fund is a good fit, you must consider the following factors, which are key to selecting any mutual fund:

  1. Your Investment Goals: Are you saving for a long-term goal like retirement, or a shorter-term goal? Multi-asset funds are generally suitable for long-term wealth creation (5 years or more).
  2. Your Risk Tolerance: The WhiteOak fund has a “Moderately High” risk profile. Are you comfortable with market volatility? The fund’s diverse portfolio helps manage risk, but it’s not a low-risk investment.
  3. Your Investment Horizon: Since the fund was launched in 2023, it doesn’t have a long performance history (e.g., 5-year or 10-year returns). If you prefer a fund with a proven track record over multiple market cycles, you might want to consider older funds in the same category.
  4. Fund Manager’s Strategy: The fund manager’s allocation decisions can significantly impact performance. The WhiteOak fund has a large allocation to cash, which can be a strategic move to manage risk or to be ready to deploy capital when opportunities arise.
  5. Direct vs. Regular Plan: Always consider investing in the Direct Plan. The lower expense ratio can significantly boost your returns over the long term.

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