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4 star

Tata Retirement Savings Fund - Moderate Plan - Regular Plan

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Hybrid: Aggressive Hybrid

1 Lakh

Investment Grown to
₹ 1.14 Lakh

₹ 10000

Monthly SIP Grown to
₹ 3.83 Lakh

Suitability:

When you invest for five years or more, you can expect gains that comfortably beat the inflation rate as well as returns from fixed income options. But be prepared for ups and downs in your investment value along the way.

Aggressive hybrid funds invest 65-80 per cent of your money in equity shares and the rest in bonds. Their returns are slightly lower than those of 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 sharp ups and downs.

Like for 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 are added to the income of the investors and taxed according to their respective tax slabs. Further, if an investor's dividend income exceeds Rs. 5,000 in a financial year, the fund house also deducts a TDS of 10% before distributing the dividend.

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Annual Returns
Quarterly Returns
Monthly Returns
Weekly Returns

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(₹)
cal
cal

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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 -1.09 0.64 1.61 4.44 14.89 -3.20 10.06 4.42 8.12 16.03 --
VR Balanced TRI -5.22 0.75 0.79 3.63 17.45 -5.19 4.03 5.24 6.90 11.15 --
Hybrid: Aggressive Hybrid -4.05 0.65 1.52 3.36 14.84 -5.99 4.01 1.94 5.32 12.27 --
Rank within category 7 20 12 5 18 6 7 7 3 1 --
Number of funds in category 44 44 44 44 44 44 43 33 26 23 21

As on 06-Aug-2020

Peer Comparison

Fund name Rating Launch Date 1-Year Return 3-Year Return 5-Year Return Expense Ratio Assets (Cr)
Tata Retirement Savings Fund - Moderate Plan - Regular Plan  | Invest Online
4 star
 Nov-11 10.06 4.42 8.12 2.38 1,087
SBI Equity Hybrid Fund  | Invest Online
5 star
 Dec-95 4.77 5.60 7.18 1.63 30,192
DSP Equity & Bond Fund  | Invest Online
4 star
 May-99 7.17 4.18 6.75 1.91 5,661
Mirae Asset Hybrid Equity Fund - Regular Plan  | Invest Online
4 star
 Jul-15 5.49 5.03 8.41 1.88 3,468
HDFC Children's Gift Fund  | Invest Online
4 star
 Mar-01 5.97 3.85 7.02 1.97 3,211

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 18.23 (23-Mar-2020 - 22-Apr-2020) -29.54 (20-Feb-2020 - 23-Mar-2020)
Quarter 28.04 (23-Mar-2020 - 22-Jun-2020) -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 5.21 17.25 0.00 0.00 0.93 -1.04
VR Balanced TRI 6.33 17.40 0.06 0.07 -- --
Hybrid: Aggressive Hybrid 2.87 16.55 -0.14 -0.14 0.90 -3.35
Rank within category 7 26 7 7 25 8
Number of funds in category 34 34 34 34 34 34

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

As on 31-Jul-2020

Asset Allocation (%)

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Concentration & Valuation

Number of Stocks 41
Top 10 Holdings (%) 44.69
Top 5 Holdings (%) 29.79
Top 3 Sectors (%) 48.22
Portfolio P/B Ratio 3.93
Portfolio P/E Ratio 29.13

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 - 4.47 4.00
equal 6.79% GOI 26/12/2029 GOI Securities SOV 0.00 - 2.53 2.41
equal 7.41% Nabha Power 20/04/2022 Non Convertible Debenture AAA 0.00 - 2.14 1.86
new 6.19% GOI 16/09/2034 GOI Securities SOV 0.00 - 1.83 1.83
equal 7.42% Power Finance Corp. 19/11/2024 Non Convertible Debenture AAA 0.00 - 1.62 1.45
down HUDCO 24/06/2023 Non Convertible Debenture AAA 0.00 - 2.45 1.42
equal 7.13% NHPC 2030 Debenture AAA 0.00 - 0.54 0.48
equal 7.13% NHPC 2027 Debenture AAA 0.00 - 0.54 0.48
equal 7.13% NHPC 2029 Debenture AAA 0.00 - 0.53 0.48
equal 7.13% NHPC 2026 Debenture AAA 0.00 - 0.54 0.48
equal 7.13% NHPC 2028 Debenture AAA 0.00 - 0.53 0.48
equal ONGC Petro Additions 27/03/2021 Debenture AAA 0.42 - 0.53 0.46
equal 7.26% GOI 14/01/2029 GOI Securities SOV 0.00 - 5.00 0.20
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 0.05
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
up Reliance Industries Energy 34.17 7.05 0.00 7.05
down HDFC Bank Financial 20.14 8.37 2.15 6.73
up Bharti Airtel Communication -- 6.28 0.00 6.28
up ICICI Bank Financial 22.79 6.49 0.00 5.72
equal Hindustan Unilever FMCG 75.78 3.59 0.00 3.59
equal Kotak Mahindra Bank Financial 31.19 4.29 0.81 3.32
equal HDFC Financial 14.05 3.74 1.41 2.83
equal Dr. Reddy's Lab Healthcare 39.09 2.99 0.00 2.76
equal ITC FMCG 16.68 6.79 0.00 2.37
equal Container Corp. Services 68.63 2.71 0.00 2.01
equal Tata Consumer Products FMCG 93.78 2.08 0.00 1.96
down Muthoot Finance Financial 15.55 2.01 0.76 1.86
down HDFC Life Insurance Financial 92.71 2.39 0.00 1.76
new HCL Technologies Technology 15.92 1.74 0.00 1.74
equal Divi's Laboratories Healthcare 53.69 2.24 0.00 1.68
equal Jubilant FoodWorks Services 88.19 2.05 0.00 1.65
down Titan Company Cons Durable 64.49 2.20 0.00 1.61
equal 3M India Services 75.25 1.94 0.00 1.59
equal Bajaj Auto Automobile 18.90 1.77 0.00 1.59
up HDFC Asset Management Company Financial 39.62 1.76 0.00 1.58
up PI Industries Chemicals 59.04 1.57 0.00 1.57
equal Bayer CropScience Healthcare 58.14 1.50 0.00 1.50
equal Bata India FMCG 49.17 2.53 0.00 1.37
equal ICICI Lombard General Insurance Company Financial 48.13 1.44 0.00 1.28
equal Kansai Nerolac Paints Chemicals 60.44 1.38 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 30-Jun-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).

Interviews:

Funds Managed:

Invest Online
0.64%

Change from previous, NAV as on 06-Aug-2020

Growth: ₹ 31.2129

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: 13.86%
Benchmark: CRISIL Hybrid 25+75 Aggressive Index
Riskometer: Moderately High
Type: Open-ended
Assets: ₹ 1,087 Cr (As on 30-Jun-2020)
Expense: 2.38% (As on 30-Jun-2020)
Risk Grade: Average
Return Grade: Above Average
Turnover: 56.24%

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: http://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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