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Tata Retirement Savings Fund - Moderate Plan - Regular Plan

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Hybrid: Aggressive Hybrid

1 Lakh

Investment declined to
₹ 0.97 Lakh

₹ 10000

Monthly SIP Declined to
₹ 3.01 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.

Aggressive hybrid funds invest 65-80% of your money in equity shares and the rest in bonds and commodities. Their returns are slightly lower than pure equity funds which invest all your money in shares, but they also fall relatively less when the stock markets decline. This makes them suitable for conservative equity investors or first-time equity investors who are not used to its sharp ups and downs.

Like all equity-linked investments, 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 aggressive hybrid 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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Annual Returns
Quarterly Returns
Monthly Returns
Weekly Returns

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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 -22.91 -1.61 -3.06 -21.01 -23.13 -18.99 -19.28 -1.04 3.28 11.56 --
VR Balanced TRI -27.80 -4.79 -5.37 -23.51 -28.11 -22.99 -23.74 -1.19 1.61 6.75 --
Hybrid: Aggressive Hybrid -23.83 -1.63 -3.84 -22.21 -24.17 -19.97 -21.32 -3.75 0.87 8.00 --
Rank within category 18 25 13 12 16 17 14 6 5 1 --
Number of funds in category 44 44 44 44 44 43 41 32 25 23 21

As on 03-Apr-2020

Best & Worst Performance

Best (Period) Worst (Period)
Week 9.34 (24-Mar-2020 - 31-Mar-2020) -15.03 (11-Mar-2020 - 18-Mar-2020)
Month 15.28 (07-May-2014 - 06-Jun-2014) -29.54 (20-Feb-2020 - 23-Mar-2020)
Quarter 24.21 (07-Apr-2014 - 07-Jul-2014) -28.08 (23-Dec-2019 - 23-Mar-2020)
Year 74.40 (13-Feb-2014 - 13-Feb-2015) -23.72 (22-Mar-2019 - 23-Mar-2020)

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Fund 1.75 15.93 -0.24 -0.24 0.92 -0.43
VR Balanced TRI 1.90 15.58 -0.23 -0.24 -- --
Hybrid: Aggressive Hybrid -1.17 15.05 -0.44 -0.41 0.91 -3.42
Rank within category 6 26 4 5 23 4
Number of funds in category 33 33 33 33 33 33

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

As on 31-Mar-2020

Asset Allocation (%)

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Concentration & Valuation

Number of Stocks 48
Top 10 Holdings (%) 38.07
Top 5 Holdings (%) 24.15
Top 3 Sectors (%) 53.52
Portfolio P/B Ratio 4.13
Portfolio P/E Ratio 30.30

Value Research Equity Fund Style

Value Research Debt Fund Style

Credit Rating vis-à-vis Category

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Top Debt Holdings

Company Instrument Credit Rating 1Y Range % Assets
equal 7.27% GOI 2026 GOI Securities SOV 0.00 - 3.75 3.68
equal 7.26% GOI 14/01/2029 GOI Securities SOV 0.00 - 5.00 3.38
equal 9.23% Talwandi Sabo Power 30/07/2021 Debenture AA 2.12 - 2.34 2.20
equal 7.41% Nabha Power 20/04/2022 Non Convertible Debenture AAA 0.00 - 1.76 1.76
equal 7.42% Power Finance Corp. 19/11/2024 Non Convertible Debenture AAA 0.00 - 1.34 1.34
new 7.13% NHPC 2026 Debenture AAA 0.00 - 0.44 0.44
new 7.13% NHPC 2027 Debenture AAA 0.00 - 0.44 0.44
new 7.13% NHPC 2028 Debenture AAA 0.00 - 0.44 0.44
equal ONGC Petro Additions 27/03/2021 Debenture AAA 0.42 - 0.47 0.44
new 7.13% NHPC 2030 Debenture AAA 0.00 - 0.44 0.44
new 7.13% NHPC 2029 Debenture AAA 0.00 - 0.44 0.44
equal 8.49% HDFC 27/04/2020 Debenture AAA 0.17 - 0.19 0.18
equal 7.47% Power Finance Corp. 16/09/2021 Bonds AAA 0.15 - 0.16 0.15
equal 9.10% Shriram Transport Finance 2021 Debenture AA+ 0.05 - 0.08 0.05
equal 8.22% ICICI Home Finance Company 27/05/2021 Bonds/NCDs AAA 0.04 - 0.05 0.04
equal 8.20% Power Grid Corporation 23/01/2022 Bonds/NCDs AAA 0.04 - 0.04 0.04
equal 8.81% SIDBI 25/01/2022 Debenture AAA 0.02 - 0.02 0.02
equal 10.09% MRF 27/05/2021 Debenture AAA 0.02 - 0.02 0.02

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

Sector Allocation vis-à-vis Category

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Top Equity Holdings

Company Sector P/E 3Y High 3Y Low % Assets
equal HDFC Bank Financial 16.97 8.37 2.15 6.90
equal ICICI Bank Financial 19.55 6.49 0.00 6.01
up Kotak Mahindra Bank Financial 24.98 4.29 0.80 3.92
up Reliance Industries Energy 15.76 5.50 0.00 3.64
equal HDFC Financial 11.90 3.74 0.00 3.34
up Bharti Airtel Communication -- 2.57 0.00 2.57
equal Hindustan Unilever FMCG 68.52 2.99 0.00 2.33
down ITC FMCG 14.59 6.79 0.00 2.29
up Titan Company Cons Durable 51.16 2.20 0.00 2.20
up HDFC Life Insurance Financial 63.12 2.39 0.00 2.06
equal Axis Bank Financial 19.19 2.97 0.00 2.05
up Container Corp. Services 40.92 2.71 0.00 1.96
up HDFC Asset Management Company Financial 35.93 1.76 0.00 1.68
up Tata Consumer Products FMCG 60.58 2.08 0.00 1.67
equal 3M India Services 61.02 1.94 0.00 1.66
equal Bata India FMCG 40.40 2.53 0.00 1.65
down Jubilant FoodWorks Services 52.69 2.05 0.00 1.60
equal Muthoot Finance Financial 8.56 2.03 0.76 1.59
equal Bajaj Finserv Financial 17.91 1.96 0.56 1.59
equal Bajaj Auto Automobile 11.17 1.77 0.00 1.54
equal Divi's Laboratories Healthcare 39.72 2.24 0.00 1.48
equal GSK Consumer Healthcare FMCG 34.08 1.78 0.00 1.41
equal Johnson Controls - Hitachi Air Conditioning India Cons Durable 50.46 1.29 0.00 1.29
equal Kansai Nerolac Paints Chemicals 37.51 1.38 0.00 1.25
equal Voltas Cons Durable 31.31 2.19 0.00 1.25

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 29-Feb-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:

-1.61%

Change from previous, NAV as on 03-Apr-2020

Growth: ₹ 24.3259

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: 11.12%
Benchmark: CRISIL Hybrid 25+75 Aggressive Index
Riskometer: Moderately High
Type: Open-ended
Assets: ₹ 1,142 Cr (As on 29-Feb-2020)
Expense: 2.23% (As on 29-Feb-2020)
Risk Grade: Average
Return Grade: High
Turnover: 51.08%

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

Last Session

Investors' Hangout

5 ways to deal with market panic

dateFriday, 20-Mar-2020
time12:30 PM - 01:00 PM

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