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Tata Retirement Savings Fund - Conservative Plan - Regular Plan


1 Lakh

Investment Grown to
₹ 1.14 Lakh

₹ 10000

Monthly SIP Grown to
₹ 3.78 Lakh

Analyst's Choice?

Suitability:

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

Conservative hybrid funds invest roughly a quarter of your money in equity shares and the rest in bonds and commodities. Given their underlying investments, these funds offer a viable alternative to regular income seekers. To derive dependable, inflation-protected income, 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% of the value of your investment every year.

Warning: Do not invest in this, or any other aggressive hybrid fund, if you need to redeem your investment in less than three years.

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 paid by the mutual fund scheme are taxed at the rate of 25% (effectively 29.12%, 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 -1.85 -0.03 -0.06 0.22 -4.08 -1.58 2.71 4.48 6.56 8.75 --
VR MIP TRI -5.81 0.03 0.04 0.44 -6.67 -4.75 -1.23 5.07 6.01 7.34 --
Hybrid: Conservative Hybrid -5.62 0.09 0.17 -1.06 -7.11 -5.15 -2.27 2.36 4.87 6.88 --
Rank within category 11 30 31 20 13 11 12 9 5 3 --
Number of funds in category 39 39 39 39 39 38 38 36 33 30 27

As on 22-May-2020

Best & Worst Performance

Best (Period) Worst (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 8.91 (07-Apr-2014 - 07-Jul-2014) -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
Fund 4.96 6.10 -0.08 -0.10 0.85 -1.01
VR MIP TRI 6.05 6.43 0.09 0.10 -- --
Hybrid: Conservative Hybrid 3.53 6.49 -0.27 -0.23 0.85 -2.44
Rank within category 10 22 7 7 25 11
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 30-Apr-2020

Asset Allocation (%)

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Concentration & Valuation

Number of Stocks 41
Number of Bonds 12
Average Maturity (yrs) 4.34
Top 10 Holdings (%) 66.67
Portfolio P/B Ratio 3.79
Portfolio P/E Ratio 29.40

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 0.00 - 20.58 20.16
equal 7.27% GOI 2026 GOI Securities SOV 0.00 - 8.15 8.06
equal 7.42% Power Finance Corp. 19/11/2024 Non Convertible Debenture AAA 0.00 - 7.91 7.52
equal 6.84% GOI 19/12/2022 GOI Securities SOV 6.84 - 7.42 7.27
equal 8.24% GOI 15/02/2027 Central Government Loan SOV 4.34 - 4.68 4.59
equal 8.20% GOI 24/09/2025 Central Government Loan SOV 3.92 - 4.22 4.16
equal 7.73% GOI 19/12/2034 GOI Securities SOV 3.87 - 4.24 4.13
equal 9.95% Food Corporation of India 2022 Bonds AAA 3.91 - 4.15 4.00
equal 7.80% GOI 2021 Central Government Loan SOV 3.75 - 4.00 3.88
equal 8.44% Maharashtra State 26/11/2024 State Development Loan SOV 2.73 - 2.93 2.89
equal 8.37% National Bank Agr. Rur. Devp 2021 Debenture AAA 1.35 - 1.44 1.39
equal Aditya Birla Housing Finance 26/10/2021 Debenture AAA 0.25 - 0.27 0.26

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 HDFC Bank Financial 16.88 2.94 0.76 2.56
up ICICI Bank Financial 19.71 2.30 0.00 2.22
equal Reliance Industries Energy 24.60 2.01 0.00 2.01
up Bharti Airtel Communication -- 1.40 0.00 1.40
up Kotak Mahindra Bank Financial 25.84 1.46 0.29 1.31
equal HDFC Financial 12.04 1.32 0.00 1.04
up Hindustan Unilever FMCG 69.18 1.14 0.00 0.96
up Dr. Reddy's Lab Healthcare 31.94 0.90 0.00 0.90
equal ITC FMCG 15.29 2.34 0.00 0.77
equal Container Corp. Services 46.67 0.87 0.00 0.69
equal HDFC Life Insurance Financial 76.94 0.85 0.00 0.68
equal Tata Consumer Products FMCG 72.32 0.78 0.00 0.61
equal Titan Company Cons Durable 50.37 0.75 0.00 0.60
equal 3M India Services 61.82 0.67 0.00 0.58
equal Divi's Laboratories Healthcare 48.58 0.80 0.00 0.57
equal Muthoot Finance Financial 11.37 0.80 0.38 0.55
equal Jubilant FoodWorks Services 76.39 0.76 0.00 0.52
equal Bajaj Auto Automobile 14.17 0.67 0.00 0.49
equal Bata India FMCG 43.25 0.97 0.00 0.48
equal HDFC Asset Management Company Financial 41.11 0.59 0.00 0.47
equal Axis Bank Financial 51.33 1.05 0.00 0.45
equal Indraprastha Gas Energy 26.59 0.45 0.00 0.45
equal ICICI Lombard General Insurance Company Financial 47.13 0.52 0.00 0.44
equal MRF Automobile 23.49 0.46 0.00 0.41
equal Pfizer Healthcare 37.07 0.40 0.00 0.40

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-Apr-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:


-0.03%

Change from previous, NAV as on 22-May-2020

Growth: ₹ 20.4351


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 (₹) 500
Minimum No of Cheques 12
Minimum Withdrawal (₹) --
Minimum Balance (₹) --
Exit Load 1% for redemption within 1829 days

Basic Details

Fund House: Tata Mutual Fund
Launch Date: 01-Nov-2011
Return Since Launch: 8.71%
Benchmark: CRISIL Short Term Debt Hybrid 75+25 Fund
Riskometer: Moderately High
Type: Open-ended
Assets: ₹ 133 Cr (As on 30-Apr-2020)
Expense: 2.20% (As on 30-Apr-2020)
Risk Grade: Average
Return Grade: Above 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: 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

Making sense of your investments during the COVID-19 crisis

dateSaturday, 02-May-2020
time12:30 PM - 01:15 PM

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