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    US Equity Fund

    In the era of globalisation, Non-Resident Indians (NRIs) are seeking investment opportunities that offer long-term growth, financial... Read more protection, market-linked1 returns, tax-benefits and diversification beyond India’s equity markets. The US Equity Market poses itself as a compelling long-term investment opportunity primarily because US is one of the world’s most resilient economies. Read less

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    Tata AIA US Equity Fund (ULIF 501 01/03/25 TUE 110)

    The Tata AIA US Equity Fund is a global equity investment fund offered under ULIP (Unit Linked Insurance Plan). The fund allows you to invest in companies listed in the United States (US market) while also being part of an insurance-linked investment plan.

    Why invest in US Money Market Fund?

    Low-risk

    Exposure to world’s largest equity market

    Optional-Riders

    Investment in USA market leaders

    Allocate-the-funds

    Long-term growth potential

    Global-Coverage

    Diversification beyond domestic markets

    Investment objective

    The primary investment objective of the fund is to provide long-term capital appreciation and income through investments made primarily in US Equity and equity related instruments/ securities including Mutual Funds / ETFs.

    Tata AIA US Equity Fund

    Risk Profile

    High

    Asset Allocation

    Equity & Equity linked: 70%-100%

    Debt Instruments: 0-30%

    Cash, MMI, Bank Fixed Deposits: 0–30%

    Top Constituents Company

    Nvidia

     

    Nvidia

    Microsoft Corp

     

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    Apple

     

    apple

    Amazon

     

    amazon

    Meta Platform

     

    meta

    The top sectors for investment are Information Technology, Financials, Communications Services, Consumer Discretionary, Healthcare, Industrials, Consumer staples, Energy, Utilities, Materials and Real Estate. The allocation of investment in these sectors is subject to change from time to time.

    Key Benefits of Tata AIA Shubh Global Invest

    Tata AIA US Equity Fund is available with Tata AIA Shubh Global Invest. The key benefits of the plan are:

    • 1. Invest and Receive Benefits in USD

      Enjoy currency stability by making premium payments as well as receiving payouts in US dollars.

    • 2. Invest in Global Funds

      Gain access to diversified investment opportunities with global Exchange-Traded Funds (ETFs).

    • 3. Zero Premium Allocation Charge

      No premium allocation and administration charges.

    • 4. Zero LTCG tax

      No tax on maturity benefit3.

    • 5. Get Financial Protection

      Nominee will receive a lump sum payout, ensuring their financial security in case of any unfortunate event.

    • 6. Flexible Withdrawals for Liquidity

      Post completion of 3 years, you can make partial withdrawals to meet your immediate financial needs.

    • 7. Multiple Premium-Paying Options

      Pay through multiple premium payment modes, with optional benefits for enhanced coverage.

    • 8. Avail Maturity Booster

      Basis your policy maturity year, additional Boosters shall be added to your fund value on the day of maturity.

    • 9. Loyalty Additions

      Loyalty Additions are added to your fund value every year, starting after the 7th policy year and will continue until the end of the policy term.

    Cover Continuance Option

    Under all base options, there is an option to choose from the following options under Cover Continuance Option:

    • Waiver of Premium on Death
    • Waiver of Premium on Death or Accidental Total and Permanent Disability
    • Waiver of Premium on Death or Major / Catastrophic Critical Illness
    • Waiver of Premium on Death or Accidental Total and Permanent Disability or Major / Catastrophic Critical Illness
       

    Cover continuance option is not available with ‘Single Pay’ mode of premium payment.

    Why Choose Tata AIA Life Insurance?

    Hassle-free Online Purchase Process

    Access to international markets through select ULIP funds.

    Experienced fund managers.

    Dedicated support for all policy requirements.

    1.

    What is the investment objective of Tata AIA US Equity Fund?

    The primary investment objective of the fund is to primarily invest in US Equity and equity related instruments/ securities including Mutual Funds / ETFs.

    2.

    What is the FMC (expense ratio) of Tata AIA US Equity Fund?

    The expense ratio of Tata AIA US Equity Fund is 2.10% per annum.

    3.

    What is the asset allocation pattern?

    Equity & Equity linked: 70%-100%
    Debt Instruments: 0-30%
    Cash, MMI, Bank Fixed Deposits: 0–30%

    4.

    Who is the fund manager of Tata AIA US Equity Fund?

    Tata AIA US Equity Fund is managed by Rajeev Tewari, Nitin Bansal, Nimesh Mistry

    5.

    What is the risk profile of Tata AIA US Equity Fund?

    The risk profile is high.

    6.

    Can this fund help in long-term wealth creation?

    Yes. Due to its diversified exposure across US Equity and equity related instruments/ securities including Mutual Funds / ETFs., it is a good choice for long-term goals such as retirement planning, child's education, or financial independence.

    7.

    Is Tata AIA US Equity Fund good for the long term?

    Tata AIA US Equity Fund may suit long-term investors seeking diversified equity exposure. Its suitability depends on personal goals, risk tolerance, investment horizon, and overall market-linked expectations.

    8.

    Why invest in US equities instead of only Indian equities?

    US equities offer geographical diversification, access to global market leaders helping reduce overall portfolio risk.

    9.

    Can NRIs or resident Indian invest in Tata AIA US Equity Fund?

    Yes, NRI or resident Indian can invest in TATA AIA US Equity Fund.

     

    • The linked insurance product do not offer any liquidity during the first three years of the contract. Buying a life insurance policy is a long-term commitment. An early termination of the policy usually involves high costs and the Surrender Value payable may be less than the total premiums paid.
    • Tata AIA Shubh Global Invest (USD Denominated) - Non-Participating, Unit Linked, Individual Life Insurance Savings Plan (UIN: TALL003V02) Tata AIA Life Insurance Company, IFSC Branch (IIO) Branch (Reg No: IFSCA/IIO/008/2023-24)
    • Shubh Global Invest is also available through online mode on the Company’s website www.international.tataaia.com
    • Investments are subject to market risks.
    • Tata AIA US Equity Fund: SFIN: ULIF 501 01/03/25 TUE 110
    • Asset Allocation: Equity & Equity linked: 70%-100%, Debt Instruments: 0%-30%, Cash, MMI, Bank Fixed Deposits: 0 – 30%
    • The above funds follow Tata AIA’s internal investment strategy, which does not directly benchmark any index/indices. The strategy uses a model-based portfolio allocation derived from securities, indices, ETFs, mutual funds or companies across multiple overseas jurisdictions, in line with the internal strategy methodology. The strategy’s reference portfolio, constituents, geography, and allocation may change from time to time in accordance with such methodology and applicable internal governance. Investment allocation is based on Tata AIA’s proprietary internal strategy framework.
    • 1Market-linked returns are subject to market risks and terms & conditions of the product. The assumed rate of returns or illustrated amount may not be guaranteed and depends on market fluctuations.
    • 3Subject to sum assured multiple being 10x and above.
    • Unit Linked Life Insurance products are different from the traditional insurance products and are subject to the risk factors. Please know the associated risks and the applicable charges, from your insurance agent or the Intermediary or policy document issued by the insurance company.
    • The performance of the managed portfolios and funds is not guaranteed, and the value may increase or decrease in accordance with the future experience of the managed portfolios and funds. Past performance is not indicative of future performance. Returns are calculated on an absolute basis for a period of less than (or equal to) a year, with reinvestment of dividends (if any).
    • The Company does not guarantee any assured returns. The investment income and price may go down as well as up depending on several factors influencing the market.
    • All Premiums, Charges, and interest payable under the policy are exclusive of applicable taxes, duties, surcharge, cesses or levies which will be entirely borne/ paid by the Policyholder, in addition to the payment of such Premium, charges or interest. Tata AIA Life shall have the right to claim, deduct, adjust and recover the amount of any applicable tax or imposition, levied by any statutory or administrative body, from the benefits payable under the Policy.
    • Some Benefits are guaranteed, and some Benefits are variable (non-guaranteed) with returns based on the future performance of the opted funds and fulfilment of other applicable Policy conditions. If your Policy offers guaranteed returns, then these will be clearly marked as "guaranteed" in the illustration table on this page. If your policy offers non-guaranteed returns, then illustration will show two different rates of assumed future investment returns. The above illustration has been determined using assumed future investment returns of 8% and 4% respectively. The rates used have been set by the Life Insurance Council. These assumed rates of return are not guaranteed and there are no upper and lower limits of what you might get back at Maturity, due to the fact that the value of your Policy is dependent on a number of factors including future investment performance.
    • This plan is not a guaranteed Issuance plan and it will be subject to Company’s underwriting and acceptance
    • Foreign exchange rates are subject to change from time to time. Any associated expense due to change in the applicable rates, shall be borne by the policyholder.
    • In case of non-standard lives and on submission of non-standard age proof, extra premiums will be charged as per our underwriting guidelines.
    • The product is underwritten by Tata AIA Life Insurance Company Limited, IFSC Branch.
    • Tata AIA International is Tata AIA Life Insurance Company, IFSC Branch (IIO)
    • Linked Life Insurance products are different from traditional insurance products and are subject to risk factors.
    • Tata AIA Life Insurance Company Limited is only the name of the Life Insurance Company & Tata AIA Shubh Global Invest is only the name of the Linked Insurance contract and does not in any way indicate the quality of the contract, its future prospects or returns.
    • Please know the associated risks and the applicable charges, from your insurance agent or the Intermediary or policy document issued by the insurance company.
    • Participation by customers shall be on voluntary basis
    • The products are underwritten by Tata AIA Life Insurance Company Limited, IFSC Branch.
    • Linked Life Insurance products are different from traditional insurance products and are subject to risk factors.
    • The premium paid in Linked Life Insurance policies is subject to investment risks associated with capital markets and publicly available index. The NAV of the units may go up or down based on the performance of Fund and factors influencing the capital market/publicly available index and the insured is responsible for his/her decisions.
    • Tata AIA Life Insurance Company Ltd. is only the name of the Insurance Company and Tata AIA Shubh Global Invest is only the name of the Unit Linked Life Insurance Contract and does not in any way indicate the quality of the contract, its future prospects or returns. The products are underwritten by Tata AIA International (Tata AIA Life Insurance Company, IFSC Branch (IIO).
    • Riders are not mandatory and are available for a nominal extra cost. For more details on benefits, premiums and exclusions under the Rider(s), please contact Tata AIA Life's Insurance Advisor/ Branch.
    • Tata AIA International is Tata AIA Life Insurance Company, IFSC Branch (IIO). The fund is managed by Tata AIA Life Insurance Company Ltd. For more details on risk factors, terms and conditions please read Sales Brochure carefully before concluding a sale. The precise terms and condition of this plan are specified in the Policy Contract.
    • No Goods and Service Tax shall be applicable on Individual life insurance products as per prevailing laws. Tax laws are subject to amendments from time to time. If any imposition (tax or otherwise) is levied by any statutory or administrative body under the Policy, Tata AIA Life Insurance Company Limited reserves the right to claim the same from the Policyholder.
    • The various funds offered under this contract are the names of the funds and do not in any way indicate the quality of these plans, their future prospects and returns. The underlying Fund’s NAV will be affected by interest rates and the performance of the underlying stocks
    • Past performance is not indicative of future performance.
    • For more details on risk factors, terms and conditions please read Sales Brochure carefully before concluding a sale. Insurance cover is available under this product.
    • The information, provided herein, may not be treated as a solicitation request in any manner. Any decision to buy online insurance by NRIs is completely his/her choice. The insurer is permitted to solicit insurance in India and settles claim in USD/Forex currency.
    • L&C/IIO/2026/Jun/0040
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