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Tata Retirement Savings Fund - Conservative Plan - Regular Plan download report

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Hybrid: Conservative Hybrid

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1 Lakh

Investment Grown to
₹ 1.24 Lakh

₹ 10000

Monthly SIP Grown to
₹ 3.92 Lakh

Suitability:

"Conservative hybrid funds invest roughly a quarter of your money in equity shares and the rest in bonds. These funds are suitable for those who cannot withstand too much volatility in the value of their investments and are content with moderate returns which are slightly higher than returns from fixed income options.

They may also suit those looking for a regular income from their accumulation. The debt portion of these funds provides a moderate, but steady stream of income. The small equity allocation though adds a bit of volatility, but helps boost returns to keep up with the rate of inflation over the long term.

Invest only if your investment horizon is three years or more. To derive dependable income with some degree of inflation protection, invest your accumulated savings in these funds gradually over at least a few months, and then maintain a withdrawal rate in the range of 4-6 per cent of the value of your investment every year."

Taxability of earnings:

The tax treatment of this fund may vary depending upon its asset allocation. It will be taxed in the following manner based on its average asset allocation in the last 12 months.

Capital gains

  • If the mutual fund units are sold after 3 years from the date of investment, gains are taxed at the rate of 20% after providing the benefit of inflation indexation.
  • If the mutual fund units are sold within 3 years from the date of investment, entire amount of gain is added to the investors' income and taxed according to the applicable slab rate.
  • 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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(₹)
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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
Tata Retirement Savings Conservative Reg-G -1.25 0.12 0.27 2.11 2.70 0.25 1.28 7.40 5.94 7.31 8.76
VR MIP TRI 1.21 0.24 0.50 3.61 3.96 1.76 5.25 8.82 8.01 8.18 9.06
Hybrid: Conservative Hybrid 1.18 0.13 0.17 2.06 2.73 1.44 4.64 7.49 5.91 6.90 8.47
Rank within category 33 20 8 18 19 25 33 16 15 11 10
Number of funds in category 35 36 36 36 36 35 35 31 29 28 26

As on 08-Aug-2022

Peer Comparison

Fund name Rating Launch Date 1-Year Return 3-Year Return 5-Year Return Expense Ratio Assets (Cr)
Tata Retirement Savings Fund - Conservative Plan - Regular Plan  | Invest Online
3 star
 Nov-11 1.28 7.40 5.94 2.19 183
SBI Conservative Hybrid Fund  | Invest Online
4 star
 Mar-01 7.02 11.12 7.41 1.10 6,286
ICICI Prudential Regular Savings Fund  | Invest Now
5 star
 Mar-04 6.41 9.38 7.89 1.74 3,267
HDFC Hybrid Debt Fund  | Invest Online
4 star
 Dec-03 4.88 9.54 6.78 1.85 2,689
Aditya Birla Sun Life Regular Savings Fund  | Invest Online
4 star
 May-04 6.54 9.54 5.92 1.88 1,657

Best & Worst Performance

Best Performance Worst Performance
Return (%) Period Return (%) Period
Week 3.94 24-Mar-2020 - 31-Mar-2020 -5.74 11-Mar-2020 - 18-Mar-2020
Month 7.64 23-Mar-2020 - 22-Apr-2020 -11.08 20-Feb-2020 - 23-Mar-2020
Quarter 11.80 23-Mar-2020 - 22-Jun-2020 -9.15 23-Dec-2019 - 23-Mar-2020
Year 25.52 18-Feb-2014 - 18-Feb-2015 -3.94 22-Mar-2019 - 23-Mar-2020

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Tata Retirement Savings Conservative Reg-G 7.12 5.83 0.62 0.75 0.76 -0.12
VR MIP TRI 8.41 7.21 0.68 0.88 -- --
Hybrid: Conservative Hybrid 7.33 6.38 0.63 0.77 0.66 0.59
Rank within category 17 17 18 15 22 20
Number of funds in category 31 31 31 31 31 31

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

As on 31-Jul-2022

Asset Allocation (%)

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Concentration & Valuation

Number of Stocks 44
Number of Bonds 13
Average Maturity (yrs) 1.96
Top 10 Holdings (%) 53.16
Portfolio P/B Ratio 4.51
Portfolio P/E Ratio 27.16

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 7.32% GOI 28/01/2024 GOI Securities SOV 13.82 - 15.06 13.82
equal 7.27% GOI 2026 GOI Securities SOV 5.51 - 6.00 5.51
equal 7.42% Power Finance Corporation 19/11/2024 Non Convertible Debenture AAA 5.50 - 5.99 5.50
equal 5.70% Bajaj Housing Finance 2024 Debenture AAA 5.26 - 5.67 5.31
equal 6.40% Jamnagar Utilities and Power 29/09/2026 Non Convertible Debenture AAA 0.00 - 5.30 5.20
equal 6.84% GOI 19/12/2022 GOI Securities SOV 4.97 - 5.38 5.02
equal Varanasi Sangam Expressway 29/12/2034 Non Convertible Debenture AAA 4.14 - 4.58 4.16
equal 8.24% GOI 15/02/2027 Central Government Loan SOV 2.85 - 3.44 2.85
equal 8.20% GOI 24/09/2025 Central Government Loan SOV 2.83 - 3.11 2.83
equal 6.99% SIDBI 2022 Bonds/NCDs AAA 0.00 - 2.80 2.73
equal Panatone Finvest 364-D 30/08/2022 Commercial Paper A1+ 2.54 - 2.77 2.72
equal 6.45% ICICI Bank 15/06/2028 Debenture AAA 2.58 - 2.80 2.58
equal 8.44% Maharashtra State 26/11/2024 State Development Loan SOV 1.97 - 2.17 1.97

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 ICICI Bank Financial 21.32 2.95 1.56 2.95
down Reliance Industries Energy 26.18 2.96 1.06 1.97
up HDFC Bank Financial 20.55 3.22 1.20 1.93
equal ITC Consumer Staples 23.70 1.90 0.61 1.37
down Tata Consultancy Services Technology 31.71 1.68 0.00 1.30
down Infosys Technology 30.16 2.05 0.00 1.27
up SBI Cards & Payments Services Financial 44.81 1.13 0.00 1.13
equal Titan Company Consumer Discretionary 73.40 0.85 0.30 0.85
up Jubilant FoodWorks Services 80.27 0.80 0.49 0.80
equal HDFC Financial 19.03 1.32 0.00 0.78
equal HCL Technologies Technology 19.05 1.05 0.00 0.72
equal Radico Khaitan Consumer Staples 46.34 0.92 0.26 0.72
up Asian Paints Materials 94.37 0.71 0.00 0.71
up Axis Bank Financial 14.10 1.06 0.00 0.65
equal Cera Sanitaryware Materials 34.79 0.65 0.00 0.65
up Kotak Mahindra Bank Financial 28.01 1.44 0.00 0.64
equal Polycab India Capital Goods 33.55 0.67 0.00 0.63
equal Tata Consumer Products Consumer Staples 77.81 0.73 0.00 0.63
equal Ambuja Cements Materials 31.91 0.61 0.00 0.61
up Bharat Electronics Capital Goods 25.16 0.60 0.00 0.60
up Havells India Capital Goods 68.07 0.53 0.00 0.53
equal 3M India Diversified 98.56 0.73 0.00 0.50
equal Kajaria Ceramics Materials 42.63 0.46 0.00 0.46
new Hero Motocorp Automobile 23.75 0.46 0.00 0.46
equal Oracle Fin Ser Software Technology 15.53 0.70 0.00 0.45

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-Jul-2022

Fund Manager

— 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, JM Financial AMC, Prime Securities, BRICS Securities and IDBI Capital Market Services Ltd.

Interviews:

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:

Invest Online
0.12%

Change from previous, NAV as on 08-Aug-2022

Growth: ₹ 24.7355

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

Min. Investment (₹) 5,000
Min. Addl Investment (₹) 1,000
Min. SIP Investment (₹) 500
Min. No of Cheques 12
Min. Withdrawal (₹) --
Min. Balance (₹) --
Lock-in Period 5 Years
Exit Load 1% for redemption within 1829 days

Basic Details

Fund House: Tata Mutual Fund
Launch Date: 01-Nov-2011
Return Since Launch: 8.77%
Benchmark: CRISIL Short Term Debt Hybrid 75+25 Index
Riskometer: Moderately High
Type: Open-ended
Assets: ₹ 183 Cr (As on 31-Jul-2022)
Expense Ratio: 2.19% (As on 30-Jun-2022)
Risk Grade: Average
Return Grade: Average
Turnover: --

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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