JM Multi Asset Allocation Fund - Regular (G)

An open-ended scheme investing in equity and equity related instruments, debt & money market securities, gold/silver related instruments and other exchange traded commodity derivatives. As per investment objective, the Scheme will endeavor to achieve diversification across Equity, Debt, commodities such as Gold/Silver and other commodities as permitted by SEBI from time to time (through exchange traded commodity derivatives) with an aim to generate superior risk adjusted returns and provide income/ long-term capital appreciation. Investments under the Scheme will be predominantly in a mix of money market instruments, debt securities, equity & equity related instruments, Gold/ Silver related instruments including ETFs, Exchange Traded Commodities Derivatives (ETCDs), InvITs and such other asset classes as SEBI may prescribe from time to time. The Scheme may utilize internal proprietary model to monitor the markets to decide the asset allocation mix in various asset classes. This model may provide broad guidance regarding the relative valuation levels and scope of the asset allocation opportunities in the market. However, considering the dynamic nature of the market, the Fund manager might utilize this model as a broad indicator. Fund Manager will have the final authority to apply their discretion and judgment while determining the actual allocation percentage, the allocation interval, and the allocation approach as may be appropriate to pursue the investment objective of the Scheme. Subject to the Regulations and the applicable guidelines, the Scheme may, engage in Stock Lending activities. Risk control measures Investments made by the Scheme would be in accordance with the investment objective of the Scheme and the provisions of the SEBI (Mutual Funds) Regulations, 2026. Since investing requires disciplined risk management, the AMC would incorporate adequate safeguards for controlling risks in the portfolio construction process. While allocating and choosing securities, the Investment Manager will aim to diversify by gaining broad exposure to different industries and companies in order to reduce risk. Risk Mitigation measures for investments in equity / equity related instruments  The Scheme aims to maintain a well-diversified equity portfolio comprising stocks across various sectors of the economy. This shall aid in managing concentration risk and sector specific risks.  The Scheme will maintain a portfolio diversified across a large number companies. Exposure to individual companies would be in accordance with the risk management and regulatory limits. This diversified portfolio would aid in managing volatility and also improve liquidity of the portfolio.  The Scheme will strive to mitigate risk through a judicious mix of Debt and Money Market Instruments and equity/ equity related instruments. Risk Mitigation measures for investments in debt instruments The investments in debt and Money Market instruments would be undertaken after assessing the associated credit risk, interest rate risk and liquidity risk. The AMC shall undertake credit evaluation of each investment opportunity and invest in rated papers of companies having a sound background, strong fundamentals and quality of management and financial strength. In addition, the Scheme would endeavor to invest in instruments with a relatively higher liquidity and will seek to manage the duration of the debt assets on proactive basis to manage interest rate risk and to optimize returns. The scheme may also use various derivatives and hedging products from time to time, as would be available and permitted by SEBI/RBI for the purpose of hedging and portfolio rebalancing. The above risk control measures shall be implemented by the AMC on best effort basis however there can be no guarantee that such measures can completely mitigate the risks involved in Scheme. Inter Scheme Investments The Scheme may invest in other Schemes managed by the AMC or in the Schemes of any other Funds, provided it is in conformity with the investment objectives of the investor Scheme and in terms of the prevailing SEBI (Mutual Funds) Regulations, 2026, In terms of clause 3 of Sixth Schedule of SEBI (Mutual Funds) Regulations 2026 and Para 13.14.1 of SEBI Master Circular no. HO/24/13/11(1)2026-IMD-POD-1/I/7602/2026 dated March 20, 2026, aggregate inter-scheme investment made by all schemes of the Mutual Fund under the same management or in schemes under the management of any other AMC shall not exceed 5% of the NAV of the mutual fund. IMPORTANT It must be clearly understood that the above referred portfolio strategies are not absolute, and that they can vary substantially depending upon the Fund Manager`s perception as to whether the stock/debt market is in an overheated state or has fallen well below a level they consider appropriate taking into account the factors prevailing at that time, the intent being to protect the Unitholders interest, especially the NAV of the Fund. The Fund Manager may, from time to time, at her absolute discretion review and modify the strategy, provided such modification is in accordance with SEBI (Mutual Funds) Regulations, 2026.