BlackRock Moderate Fund

Investing in a moderate fund is a strategic way to aim for higher returns but with a commitment to potential risk. If you're seeking long-term capital appreciation and are ready to accept some market volatility, the BlackRock Moderate Fund might be an excellent option for you.

Written ByAashima MongiaContent Writer (Expertise: Term Life Insurance & Investment)

Reviewed ByAtul KathuriaBusiness Head – Term & Investment | Policybazaar.ae

Last updated on 25 April 2025Editorial Standards

BlackRock Moderate Fund is designed for those who want to invest in equities and other growth-focused assets, with a view toward higher returns over time.
Let’s learn more about the BlackRock Moderate Fund, including its investment approach, key features, risks, and how to apply for it, especially in the UAE through Policybazaar.ae.

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What is the BlackRock Moderate Fund?

The BlackRock Moderate Fund UAE aims to provide returns through a balanced combination of capital growth and income, with moderate risk exposure. It is an ESG-focused fund that seeks to invest at least 80% of its assets in securities aligned with its ESG policy, ensuring that investments support Environmental, Social, and Governance criteria.

This makes it ideal for investors who want a balanced mix of equity exposure and fixed-income investments and are not willing to take on the higher risk.

Key Features of the BlackRock Moderate Balanced Fund

We have mentioned some of the important characteristics of this fund —

Feature	Details
Investment Objective	To provide capital growth and income with moderate risk
Risk Profile	Suitable for those seeking balance between growth and stability
Fund Type	UCITS (Undertakings for Collective Investment in Transferable Securities)
Asset Allocation	Primarily a mix of equities, fixed income, and alternative assets
Management Style	Actively managed, with regular adjustments to maintain the risk-return balance
Minimum Investment	Varies based on the share class
Charges	Management and performance fees

Performance of the BlackRock Moderate Fund

Here’s a look at the fund’s recent performance, including annualised returns over various periods —

Time Period	Return (%)
1 Year	6.02%
3 Years	4.23%
5 Years	7.82%
10 Years	N/A

Note: While past performance is not indicative of future results, these figures provide valuable insight into how the fund has been managed across various market conditions.

Fund Overview

Minimum Investment: Some share classes of the fund have a minimum investment amount of approximately 77,474 GBP (AED 3,77,256).

Charges:

Initial Charge: 5.00%
Exit Charge: 2.00%
Ongoing Charge: 0.50%

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How Does the BlackRock Moderate Fund UAE Work?

The fund uses a diversified portfolio, focusing on the following —

Equity Securities: A portion of the fund’s assets are invested in equity securities (stocks). These are typically large-cap companies that have steady growth potential
Fixed Income Investments: It invests in bonds and other fixed-income securities to provide income and reduce overall portfolio volatility
Alternative Assets: The fund also includes investments in alternative assets like property and commodities (excluding soft commodities), which further diversify the risk
Environmental, Social, and Governance (ESG) Policy: This fund adheres to ESG principles, meaning it seeks to prioritise investing in companies and assets that meet certain sustainability and ethical criteria

Top Blackrock ESG Multi Asset Moderate Portfolio

The fund's portfolio is diversified across various regions and sectors. As of the latest data, here are the top 5 holdings by percentage of the portfolio —

Holding	Percentage of Portfolio
iShares Sustainable Euro Corporate Bond UCITS ETF	6.30%
iShares € Govt Bond Climate ETF EUR Acc	7.25%
iShares $ Treasury Bond 3-7yr UCITS ETF USD Acc	8.20%
iShares MSCI USA ESG Enh ETF USD Acc	10.25%
iShares MSCI USA ESG Scrn ETF USD Acc	15.15%

Note: These investments make up 47.15% of the fund’s total portfolio.

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Key Risks of the BlackRock Moderate Fund

As with any investment, the BlackRock Moderate Fund in UAE comes with its risks. Here are some of the key-risks that you should consider —

Credit Risk: The performance of fixed income securities can be affected by changes in credit ratings or defaults
Liquidity Risk: The fund may face difficulties in selling assets if there is insufficient market activity
Market Risk: Equities and equity-related securities are sensitive to stock market fluctuations
Currency Risk: Investments in other currencies may be affected by exchange rate changes
ESG Risk: The fund's ESG screening could limit investment opportunities, potentially impacting returns

Risk Mitigation Strategy
While the BlackRock Moderate Fund carries a moderate level of risk, its diversified approach to asset allocation helps mitigate potential downsides. The fund’s blend of equity, fixed income, and alternative assets works to smooth out volatility and provide steady returns.

How to Apply for the BlackRock Moderate Fund in UAE?

To invest in the BlackRock Moderate Fund in the UAE, you can follow these steps —

Choose a Platform: Go to platforms like PolicyBazaar.ae where you can compare and apply for investment options.
Create an Account: Complete the application process by submitting your details and choosing your preferred investment amount.
Select the Fund: On the platform, select the BlackRock Moderate Fund or its related share class.
Review the Fund: Carefully review the fund’s details, including the minimum investment, fee structure, and risk profile.
Make Your Investment: You can proceed with your investment by making the required deposit. Some share classes may have a minimum investment requirement.
Track Your Investment: After investing, you can regularly track the performance of your investment through PolicyBazaar.ae or your account dashboard.

Final Thoughts

The BlackRock Moderate Fund is an excellent choice for investors seeking moderate growth with a balanced approach. With a diversified portfolio that includes equities, fixed income, and alternative assets, the fund aims to deliver both capital growth and income, while actively managing risk. Its ESG focus adds an ethical dimension for investors looking to align their financial decisions with their values.

If you're looking for a fund that strikes a balance between growth and stability, the BlackRock Moderate Fund UAE is a way to go.

Disclaimer: Investments in the BlackRock Moderate Fund are subject to market fluctuations. Always consult a financial advisor before making any investment decisions.

Click here to Start Your Investment Plan!

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Last Updated At - 25 April 2025

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