Investment Plans

Umbrella Gold Savings Fund

(An Open Ended Fund of Fund Scheme)

Umbrella Gold Savings Fund, is the first gold fund of fund in the industry which opens a new avenue for investing in gold as an asset class. The fund seeks to provide returns of gold through investments in R* Shares Gold ETF, which in turn invest in physical gold. It enables you to reap the returns of gold in a paper form without the need of a demat account.

This product is suitable for investors who are seeking*

Long term capital growth returns that are commensurate with the performance of R*Shares Gold ETF through investment in securities of R*Shares Gold ETF


Gold – A foundation asset class for wealth creation

Gold a unique asset plays many roles with an investor's portfolio. Indian consumers consider gold jewellery as an investment and are well aware of gold's benefits as a store of value. Gold is also recognized as a tradable asset.

It is one of the foundation assets for Indian households and a means to accumulate wealth from a long term perspective. Gold investment has been in the culture of Indian tradition and has been on rise amongst the modern investors as well, due to the financial uncertainty and inflationary pressures. In line with this growing gold investment demand combined with India's culture for buying gold, Umbrella Mutual Fund offers - Umbrella Gold Savings Fund that would enable investors to invest in gold – the mutual fund way. Positioning of the Fund

Umbrella Gold Savings Fund, is the third gold fund of fund in the industry which opens a new avenue for investing in gold as an asset class. The fund seeks to provide returns of gold through investments in R* Shares Gold ETF, which in turn invest in physical gold. It enables you to reap the returns of gold in a paper form without the need of a demat account.

A modern way of accumulating "Gold" the mutual fund way. An investment opportunity which enables an investor to allocate gold a foundation asset to his portfolio in a systematic way. This fund would enable you to add the yellow metal which is usually considered to diversify your portfolio in a convenient way. Passively managed Fund of Fund investing in Open-ended R* Shares Gold ETF

Invests exclusively in R* Shares Gold ETF which in turn invests in physical gold which shall be of fineness (or purity) of 995 parts per 1000 (99.5 %) or higher

Portfolio focused on providing returns that closely correspond to the returns provided by R* Shares Gold ETF

Benefits of Investing in Umbrella Gold Savings Fund

Open door for non - demat a/c holders : Investors can invest in this fund through the physical mode across the country thereby making it easily available and convenient for non demat a/c holders"

Systematic Investment Plan (SIP) : a long term disciplined investment technique under which you invest a fixed sum of money on a monthly or quarterly basis in a scheme at the prevailing NAV. This allows you to save and invest regularly while you are earning.

This investment technique enables you the following benefits:

Small, regular investments : A simple way to enter the market by investing small amounts. Small but regular investments go a long way in creating wealth over time.

Rupee cost averaging : Fewer units during rising markets and more units during falling markets, thereby reduces the average cost per unit

No need for 'timing the markets' : No need to select the right time and quantity to buy and sell as timing the market is time consuming and risky. It eliminates the need to actively track the markets.

Availability of add-on facilities : Ease of availing add on facilities like Systematic Transfer Plan/ Systematic Withdrawal Plan / Systematic Investment Plan/ auto switch /trigger facility etc.

Liquidity : An investor of Umbrella Gold Savings Fund can subscribe and redeem units on all business days directly from the AMC, while purchase and sale of gold ETF units is a factor of liquidity on the exchange.

Ease of investing : Investing in gold through Umbrella Gold Savings Fund, the investor can directly subscribe/ redeem units through the physical mode at the various designated investor service centre across the country thereby making it easily accessible and convenient.

Cost Effective : Investing in gold through the Umbrella Gold Savings Fund in physical application mode enables you invest in a low cost manner as the investor does not have to incur charges like annual maintenance charges for demat account , delivery brokerages charges, transaction charges incurred for investing through the dematerialized mode.

The investors will be bearing the recurring expenses of the scheme, in addition to the expenses of underlying Scheme.

Taxation : Investments in Umbrella Gold savings Fund enables you to claim for long term capital gains tax after a period of one year of investments, whereas for physical long term taxation is available after 3 years.

The tax benefits are as per the current Income Tax laws & rules and any other law for the time being in force. Please refer to Statement of Additional Information for more details. Readers are advised to seek independent professional advice and consult their tax advisors and arrive at an informed investment decision before making any investments.

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