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Tata Retirement Savings Fund - Progressive Plan - Regular Plan


1 Lakh

Investment Grown to
₹ 1.39 Lakh

₹ 10000

Monthly SIP Grown to
₹ 4.10 Lakh

Analyst's Choice?

Suitability:

When you invest for five years or above, you can expect gains that comfortably beat the inflation rate and are also higher than fixed income options. But be prepared for ups and downs in your investment value along the way.

This is a multi cap fund where the fund management team has complete freedom to invest in companies of different sizes, depending upon where it expects maximum gains. This versatility makes multi cap funds most suitable for equity fund investors as the job of stock selection is completely left to the fund manager, which is the very idea of investing in a mutual fund.

Like all equity funds, you must invest only through the SIP route. Click here to read a primer on SIP investing.

Warning: Do not invest in this, or any other multi cap fund, if you need to redeem your investment in less than five years.

Taxability of earnings:

Capital gains

  • If the mutual fund units are sold after 1 year from the date of investment, gains upto Rs 1 lakh in a financial year are exempt from tax. Gains over Rs 1 lakh are taxed at the rate of 10%.
  • If the mutual fund units are sold within 1 year from the date of investment, entire amount of gain is taxed at the rate of 15%.
  • No tax is to be paid as long as you continue to hold the units.

Dividends

  • Dividends paid by the mutual fund scheme are taxed at the rate of 10% (effectively 11.648%, including surcharge and cess). This is known as Dividend Distribution Tax (DDT). Though the investor does not pay this tax directly, it is deducted from the dividend income before passing on to the investor.

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(₹)
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Trailing Returns (%)

YTD 1-Day 1-W 1-M 3-M 6-M 1-Y 3-Y 5-Y 7-Y 10-Y
Fund 0.68 -1.79 -1.21 -1.80 2.04 14.37 16.23 11.53 10.06 15.30 --
S&P BSE 500 TRI -1.15 -2.01 -1.35 -3.30 0.86 11.31 10.62 9.51 7.81 12.61 --
Equity: Multi Cap 0.70 -1.74 -0.83 -1.89 2.51 13.50 13.52 8.63 7.54 13.57 --
Rank within category 25 32 37 23 29 20 12 6 5 8 --
Number of funds in category 49 49 49 49 48 46 41 33 32 26 24

As on 24-Feb-2020

Best & Worst Performance

Best (Period) Worst (Period)
Week 9.38 (19-Sep-2019 - 26-Sep-2019) -7.98 (19-Aug-2015 - 26-Aug-2015)
Month 17.36 (07-May-2014 - 06-Jun-2014) -15.70 (07-Sep-2018 - 09-Oct-2018)
Quarter 23.25 (07-Apr-2014 - 07-Jul-2014) -14.98 (30-Nov-2015 - 29-Feb-2016)
Year 67.39 (20-Feb-2014 - 20-Feb-2015) -16.91 (27-Feb-2015 - 29-Feb-2016)

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Fund 14.10 14.45 0.58 0.78 1.03 2.01
S&P BSE 500 TRI 11.88 12.82 0.48 0.72 -- --
Equity: Multi Cap 10.89 13.09 0.40 0.57 0.94 -0.62
Rank within category 6 35 6 10 34 7
Number of funds in category 42 42 42 42 42 42

The Risk Measures have been calculated using calendar month returns for the last three years.

As on 31-Jan-2020

Asset Allocation (%)

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Concentration & Valuation

Number of Stocks 49
Top 10 Stocks (%) 42.12
Top 5 Stocks (%) 28.73
Top 3 Sectors (%) 66.24
Portfolio P/B Ratio 4.38
Portfolio P/E Ratio 31.46

Portfolio Aggregates

Fund Category
Average Mkt Cap (Rs Cr) 1,00,359 94,528
Giant (%) 54.90 52.45
Large (%) 13.39 14.99
Mid (%) 24.77 24.99
Small (%) 6.94 9.29
Tiny (%) -- 0.39

Value Research Fund Style

Sector Allocation vis-à-vis Category

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Top Holdings

Company Sector P/E 3Y High 3Y Low % Assets
equal HDFC Bank Financial 25.23 9.58 2.52 8.09
equal ICICI Bank Financial 36.13 7.47 0.00 7.06
equal ITC FMCG 16.65 8.08 0.00 4.93
equal Kotak Mahindra Bank Financial 36.78 4.90 0.96 4.44
equal HDFC Financial 18.18 4.35 0.00 4.22
down Reliance Industries Energy 21.12 6.44 0.00 3.59
equal Larsen & Toubro Construction 18.10 4.41 0.00 2.56
up Hindustan Unilever FMCG 70.51 3.58 0.00 2.48
down Axis Bank Financial 42.77 3.45 0.00 2.42
equal HDFC Life Insurance Financial 83.83 2.65 0.00 2.34
equal Jubilant FoodWorks Services 75.59 2.34 0.00 2.24
equal 3M India Services 74.27 2.23 0.00 2.13
up Container Corp. Services 73.45 3.07 0.00 2.07
new Bharti Airtel Communication -- 2.01 0.00 2.01
equal Bata India FMCG 59.63 2.98 0.00 2.01
up Bajaj Auto Automobile 16.37 2.16 0.00 1.93
up Ultratech Cement Construction 35.94 1.92 0.00 1.92
equal Tata Consumer Products FMCG 57.34 2.53 0.00 1.90
equal Bajaj Finserv Financial 37.59 2.34 0.76 1.89
equal HDFC Asset Management Company Financial 54.17 2.02 0.00 1.86
down Divi's Laboratories Healthcare 45.16 2.62 0.00 1.55
equal Muthoot Finance Financial 13.20 2.51 1.04 1.54
up Titan Company Cons Durable 75.89 1.52 0.00 1.52
equal GSK Consumer Healthcare FMCG 34.74 2.09 0.00 1.46
equal ICICI Lombard General Insurance Financial 51.93 1.69 0.00 1.46

up down equal Indicates an increase or decrease or no change in holding since last portfolio
new Indicates a new holding since last portfolio

As on 31-Jan-2020

Fund Manager

— Ennette Fernandes since 18-Jun-2018

Education: Ms. Fernandes is B.com & PGDBM

Experience: Prior to joining TATA Mutual Fund she has worked with Phillip Capital India Pvt. Limited as Junior Research Analyst on FMCG sector.

Funds Managed:

— Murthy Nagarajan since 01-Apr-2017

Education: Mr. Nagarajan is a M.Com, ICWA and PGPMS.

Experience: Prior to joining Tata AMC he has worked with Quantum AMC as head fixed income, Mirae Asset Global Investment India Ltd..

Funds Managed:

— Sonam Udasi since 01-Apr-2016

Education: Mr. Udasi is a B.Com and also holds PGDM(Finance).

Experience: Prior to joining Tata AMC he was associated with ASK Raymond James (Jun 2005-Jan 2006) as Lead Analyst (Reporting to Head Research), JM Financial AMC (Feb 2006-June 2007) as Senior Analyst (Reporting to CIO), Prime Securities (Aug 2007-Oct 2008) as Head Research (Reporting to President), BRICS Securities (Nov 2008-Apr 2010) as Consumer Vertical (Reporting to Head Equities) and IDBI Capital Market Services Ltd (Jun 2010-March 2014) as Head Research (Reporting to Executive VP).

Funds Managed:


-1.79%

Change from previous, NAV as on 24-Feb-2020

Growth: ₹ 31.3735


Investment Strategy

The fund seeks to provide a financial planning tool for long term financial security for investors based on their retirement planning goals.

Investment Details

Minimum Investment (₹) 5,000
Minimum Addl Investment (₹) 1,000
Minimum SIP Investment (₹) 150
Minimum No of Cheques 12
Minimum Withdrawal (₹) 500
Minimum Balance (₹) 500
Exit Load 1% for redemption within 1829 days

Basic Details

Fund House: Tata Mutual Fund
Launch Date: 01-Nov-2011
Return Since Launch: 14.73%
Benchmark: S&P BSE 200 TRI
Riskometer: Moderately High
Type: Open-ended
Assets: ₹ 767 Cr (As on 31-Jan-2020)
Expense: 2.42% (As on 31-Jan-2020)
Risk Grade: Average
Return Grade: High
Turnover: 55.09%

Contact Information

AMC: Tata Asset Management Private Ltd

Address: 9th Floor, Mafatlal Centre, Nariman Point, Mumbai - 400021

Phone: 1800-209-0101

Email: [email protected]

Website: www.tatamutualfund.com

Registrar & Transfer Agent: Computer Age Management Services Ltd.

Address: 7th Floor, Tower II, Rayala Towers, 158, Anna Salai, Chennai - 600002

Phone: 1800-3010-6767 / 1800-419-7676

Fax: 044-30407101

Email: [email protected]

Website: www.camsonline.com

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Time to bet big on mid- and small-cap funds?

dateFriday, 28-Feb-2020
time12:30 PM - 01:00 PM