The Wealth Company Balanced Advantage Fund vs Union Flexi Cap Fund
Direct Plan, Growth option · Data as on 30-10-2026
The Wealth Company Balanced Advantage Fund is a Balanced Advantage fund and Union Flexi Cap Fund is a Flexi Cap fund. The Wealth Company Balanced Advantage Fund charges 1.26% a year and Union Flexi Cap Fund 1.52% (Direct plans). Their portfolios overlap 24.1%: they hold 16 of the same securities.
The Wealth Company Balanced Advantage Fund
Balanced Advantage
- Expense ratio
- 1.26%
- NAV
- ₹9.51
Which is better, The Wealth Company Balanced Advantage or Union Flexi Cap? Key differences
It depends on what you want from the fund. These are the differences in numbers, from the data on this page.
- The Wealth Company Balanced Advantage costs less: 1.26% a year against 1.52% (Direct plans).
- The Wealth Company Balanced Advantage fell less in its worst fall since 19-02-2026: −9.1% against −12.8%.
- Union Flexi Cap holds more in large companies: 51.7% of the fund in large caps against 36.2%.
- Union Flexi Cap is the larger fund: ₹2,320 Cr against ₹43 Cr.
- Their portfolios overlap 24.1%: 16 of the same holdings.
Past returns do not promise future returns. This page is information, not investment advice.
Key facts
From each fund's scheme summary document and AMFI
| Fact | The Wealth Company Balanced Advantage Fund | Union Flexi Cap Fund |
|---|---|---|
| Fund house | The Wealth Company Mutual Fund | Union Mutual Fund |
| Category | Balanced Advantage | Flexi Cap |
| AUM | ₹43 Cr (30-09-2026) | ₹2,320 Cr (30-09-2026) |
| NAV | ₹9.51 (Direct) | ₹56.71 (Direct) |
| Expense ratio (Direct) | 1.26% | 1.52% |
| Expense ratio (Regular) | 3.29% | 2.54% |
| Riskometer | Very High | Very High |
| Benchmark | CRISIL Hybrid 50+50 - Moderate Index | BSE 500 TRI |
| Launch date | 16-02-2026 | 10-06-2011 |
| Minimum investment | ₹5,000 | ₹1,000 |
| Lock in | None | None |
| Fund managers | Aparna Shanker, Umesh Sharma, Varun Nanavati | Sanjay Bembalkar, Vinod Malviya |
| Exit load | 1% - If redeemed/switched out within 180 days from the date of allotment. Nil - if redeemed/switched out after 180 days from the date of allotment | Exit load of 1%, if redeemed within 15 days. |
The Wealth Company Balanced Advantage vs Union Flexi Cap: Returns Comparison
Returns as on 30-10-2026. Up to one year they are absolute returns. Longer periods are a rate per year.
| Fund | 1M | 3M | 6M | 1Y | 3Y | 5Y | 10Y |
|---|---|---|---|---|---|---|---|
| The Wealth Company Balanced Advantage Fund (Direct) | −2.72% | −5.31% | −4.43% | -- | -- | -- | -- |
| Union Flexi Cap Fund (Direct) | −0.61% | −2.79% | +1.78% | −3.32% | +10.74% | +9.20% | +12.83% |
| Balanced Advantage average | −0.55% | −2.88% | +0.08% | -- | -- | -- | -- |
| Flexi Cap average | −1.62% | −4.17% | +1.00% | −3.58% | +12.37% | +10.04% | +13.13% |
Category average: the average of the 38 Balanced Advantage funds and the 46 Flexi Cap funds, same plan type.
The Wealth Company Balanced Advantage vs Union Flexi Cap: Year-wise Returns
| Year | The Wealth Company Balanced AdvantageThe Wealth Company Balanced Advantage | Union Flexi CapUnion Flexi Cap |
|---|---|---|
| 2026to date | -- | −2.66% |
| 2025 | -- | +4.17% |
| 2024 | -- | +18.20% |
| 2023 | -- | +28.97% |
| 2022 | -- | +0.05% |
| 2021 | -- | +38.27% |
The Wealth Company Balanced Advantage vs Union Flexi Cap: Rolling Returns
Every holding period of both funds, against BSE 500 TRI, the benchmark of Union Flexi Cap Fund
The Wealth Company Balanced Advantage vs Union Flexi Cap: Risk and Drawdowns
How much each fund swings, and the worst fall over the same days
Risk and return
| Measure | The Wealth Company Balanced Advantage Fund (Direct) | Union Flexi Cap Fund (Direct) |
|---|---|---|
| Return (CAGR) | −6.64% | +12.63% |
| Standard deviation | 10.28% | 15.04% |
| Sharpe ratio | -1.16 | 0.44 |
| Sortino ratio | -1.54 | 0.59 |
| Maximum drawdown | −9.1% (23-10-2026) | −35.4% (23-03-2020) |
| Beta | -- | 0.93 |
| Alpha | -- | +0.26% |
From daily NAVs, 19-02-2026 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls. Beta and alpha compare each fund with its own benchmark's TRI.
Drawdowns
How far below its previous high each one was on every day: the falls an investor had to sit through. 0% means it was at a new high.
The Wealth Company Balanced Advantage Fund (Direct)
Union Flexi Cap Fund (Direct)
BSE 500 TRI
| Fund | Worst fall | High before it | Bottom | Back at the high | Time to climb back | Below its high today |
|---|---|---|---|---|---|---|
| The Wealth Company Balanced Advantage Fund (Direct) | −9.1% | 25-08-2026 | 23-10-2026 | Not yet | -- | −7.2% |
| Union Flexi Cap Fund (Direct) | −12.8% | 23-02-2026 | 30-03-2026 | 01-07-2026 | 3 months | −5.9% |
| BSE 500 TRI | −12.6% | 23-02-2026 | 30-03-2026 | 31-07-2026 | 4 months | −7.8% |
From daily values since 19-02-2026, the first day every fund has.
The Wealth Company Balanced Advantage vs Union Flexi Cap: Portfolio Overlap
From each fund's latest monthly portfolio: The Wealth Company Balanced Advantage Fund, September 2026; Union Flexi Cap Fund, September 2026
Holdings in common
- Overlap
- 24.1%
- Held by both
- 16
- Only in The Wealth Company Balanced Advantage
- 36
- Only in Union Flexi Cap
- 59
| Security | % of The Wealth Company Balanced Advantage | % of Union Flexi Cap |
|---|---|---|
| HDFC Bank Limited | 3.08% | 4.51% |
| ICICI Bank Limited | 2.64% | 6.32% |
| Divi's Laboratories Limited | 2.40% | 2.28% |
| Eternal Limited | 2.38% | 2.21% |
| Bajaj Finance Limited | 1.96% | 2.19% |
| Torrent Pharmaceuticals Limited | 1.92% | 1.66% |
| Dr. Lal Path Labs Ltd. | 2.18% | 1.38% |
| Inventurus Knowledge Solutions Limited | 1.48% | 1.24% |
| State Bank of India | 1.21% | 3.35% |
| ICICI Prudential AMC Ltd | 1.58% | 1.20% |
| Billionbrains Garage Ventures Ltd. | 3.01% | 1.11% |
| Infosys Limited | 0.99% | 1.11% |
| Cummins India Limited | 1.73% | 0.92% |
| Tech Mahindra Limited | 1.61% | 0.82% |
| CG Power And Industrial Solutions Ltd | 2.41% | 0.72% |
| Trent Limited | 0.64% | 1.70% |
Overlap: for each holding both funds own, the smaller of its two weights, added up. 24.1% means 24.1% of each fund's money sits in positions the other also holds. Matched by ISIN. Cash and hedged positions are left out.
Largest holdings only in The Wealth Company Balanced Advantage Fund
| Security | % of fund |
|---|---|
| 7.64% NABARD 06-DEC-2029 | 4.67% |
| 7.04% SIDBI 09-FEB-2029 | 4.62% |
| 7.57% Bajaj Finance Ltd 03-APR-2030 | 4.59% |
| Sedemac Mechatronics Ltd. | 2.54% |
| SIDBI 27-OCT-2026 | 2.34% |
Largest holdings only in Union Flexi Cap Fund
| Security | % of fund |
|---|---|
| Axis Bank Ltd. | 3.65% |
| Bharti Airtel Ltd. | 2.61% |
| Gabriel India Ltd. | 1.97% |
| Sai Life Sciences Ltd. | 1.97% |
| Ujjivan Small Finance Bank Ltd. | 1.92% |
Asset and sector split
Share of each fund, from its latest monthly portfolio
Asset allocation
| Asset | The Wealth Company Balanced Advantage | Union Flexi Cap |
|---|---|---|
| Equity | 73.1% | 95.0% |
| Debt | 24.4% | 0.1% |
| Cash and others | 2.5% | 4.9% |
Market cap of stocks
| Market cap | The Wealth Company Balanced Advantage | Union Flexi Cap |
|---|---|---|
| Large Cap | 36.2% | 51.7% |
| Mid Cap | 11.5% | 12.5% |
| Small Cap | 22.6% | 26.4% |
| Not on AMFI's list | 2.9% | 4.5% |
Share of the whole fund. Groups follow AMFI's latest list: Large Cap is the 100 largest companies, Mid Cap the next 150, Small Cap the rest.
Largest sectors
| Sector | The Wealth Company Balanced Advantage | Union Flexi Cap |
|---|---|---|
| Banks | 8.6% | 20.5% |
| Pharmaceuticals & Biotechnology | 6.0% | 10.1% |
| Capital Markets | 7.5% | 3.2% |
| Finance | 6.4% | 5.9% |
| Auto Components | 6.1% | 4.7% |
| Retailing | 5.0% | 3.9% |
| IT - Software | 2.6% | 4.8% |
The six largest sectors of each fund's stocks, % of the fund.
The Wealth Company Balanced Advantage vs Union Flexi Cap: Expense Ratio
What each plan charges a year, from AMFI's expense ratio file
| Charge | The Wealth Company Balanced Advantage Fund | Union Flexi Cap Fund |
|---|---|---|
| Total expense ratio (Direct) | 1.26% | 1.52% |
| Base expense ratio (Direct) | 0.29% | 0.85% |
| Total expense ratio (Regular) | 3.29% | 2.54% |
| Base expense ratio (Regular) | 2.10% | 1.73% |
The expense ratio comes out of the fund's assets every day, so every return on this page is already after it. Base expense ratio: the fund house's own fee. The total adds brokerage, transaction costs, and levies with GST.
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The Wealth Company Balanced Advantage Fund vs Union Flexi Cap Fund: Frequently Asked Questions
What is the difference between The Wealth Company Balanced Advantage Fund and Union Flexi Cap Fund?
The Wealth Company Balanced Advantage Fund is a Balanced Advantage fund, Union Flexi Cap Fund is a Flexi Cap fund, run by The Wealth Company Mutual Fund and Union Mutual Fund. Their portfolios overlap 24.1%. The Wealth Company Balanced Advantage Fund charges 1.26% a year and Union Flexi Cap Fund 1.52%.
Which has the lower expense ratio, The Wealth Company Balanced Advantage Fund or Union Flexi Cap Fund?
The Wealth Company Balanced Advantage Fund charges less: 1.26% a year against 1.52%. These are the Direct plans' total expense ratios reported to AMFI.
How much do The Wealth Company Balanced Advantage Fund and Union Flexi Cap Fund overlap?
24.1%. They hold 16 of the same securities, the largest shared ones being HDFCBANK, ICICIBANK, DIVISLAB. From each fund's latest monthly portfolio.
Which is riskier, The Wealth Company Balanced Advantage Fund or Union Flexi Cap Fund?
On SEBI's riskometer, The Wealth Company Balanced Advantage Fund is rated Very High and Union Flexi Cap Fund Very High. Over their common history, the standard deviation of daily returns was 10.28% and 15.04% a year.
Can I invest in both The Wealth Company Balanced Advantage Fund and Union Flexi Cap Fund?
Yes. 24.1% of each fund's money sits in the same holdings, so some of the two investments would move together.
Who manages The Wealth Company Balanced Advantage Fund and Union Flexi Cap Fund?
The Wealth Company Balanced Advantage Fund: Aparna Shanker, Umesh Sharma, Varun Nanavati. Union Flexi Cap Fund: Sanjay Bembalkar, Vinod Malviya.
Sources: NAV and expense ratio from AMFI. Holdings from each fund house's monthly portfolio statement. Fund facts from each scheme summary document.
This page is information, not investment advice. Mutual fund investments are subject to market risks; read all scheme related documents carefully. Past returns do not promise future returns. Figures come from AMFI, NSE, BSE and each fund house's own documents.