Tata Retirement Savings Fund - Conservative Plan - Regular Plan

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Hybrid: Conservative Hybrid

1 Lakh

Investment Grown to

₹ 1.19 Lakh

₹ 10000

Monthly SIP Grown to

₹ 3.99 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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Amount (₹)

Start date

End date

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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	5.09	0.15	0.24	1.60	6.47	2.69	10.04	6.06	7.82	9.91	--
VR MIP TRI	1.65	0.02	0.19	1.57	7.28	0.71	6.30	6.77	7.47	9.02	--
Hybrid: Conservative Hybrid	1.44	0.13	0.47	1.65	7.47	-0.29	5.56	4.12	6.16	8.66	--
Rank within category	10	12	25	14	20	9	8	8	6	5	--
Number of funds in category	38	38	38	38	38	38	37	35	32	30	29

As on 13-Aug-2020

Peer Comparison

Fund name	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	Nov-11	10.04	6.06	7.82	2.47	141
ICICI Prudential Regular Savings Fund \| Invest Now	Mar-04	9.81	7.40	8.81	1.96	1,729
HDFC Hybrid Debt Fund \| Invest Online	Dec-03	5.65	3.81	6.43	1.87	2,382
UTI Regular Savings Fund - Regular Plan \| Invest Online	Dec-03	2.48	3.01	5.57	1.78	1,679
Aditya Birla Sun Life Regular Savings Fund \| Invest Online	May-04	1.32	1.41	5.83	1.98	1,202

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	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
Fund	5.54	6.24	0.05	0.06	0.87	-0.57
VR MIP TRI	6.24	6.56	0.16	0.18	--	--
Hybrid: Conservative Hybrid	3.79	7.10	-0.15	-0.11	0.84	-2.29
Rank within category	8	21	8	9	27	12
Number of funds in category	36	36	36	36	36	36

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	42
Number of Bonds	12
Average Maturity (yrs)	4.08
Top 10 Holdings (%)	64.10
Portfolio P/B Ratio	4.36
Portfolio P/E Ratio	32.73

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
7.32% GOI 28/01/2024	GOI Securities	SOV	18.90 - 20.58	19.18
7.27% GOI 2026	GOI Securities	SOV	0.00 - 8.15	7.72
7.42% Power Finance Corp. 19/11/2024	Non Convertible Debenture	AAA	0.00 - 7.91	7.52
6.84% GOI 19/12/2022	GOI Securities	SOV	6.84 - 7.42	6.89
8.24% GOI 15/02/2027	Central Government Loan	SOV	4.34 - 4.68	4.42
7.73% GOI 19/12/2034	GOI Securities	SOV	3.87 - 4.24	4.01
8.20% GOI 24/09/2025	Central Government Loan	SOV	3.92 - 4.22	4.01
9.95% Food Corporation of India 2022	Bonds	AAA	3.85 - 4.15	3.85
7.80% GOI 2021	Central Government Loan	SOV	3.64 - 4.00	3.64
8.44% Maharashtra State 26/11/2024	State Development Loan	SOV	2.73 - 2.93	2.76
8.37% National Bank Agr. Rur. Devp 2021	Debenture	AAA	1.33 - 1.44	1.33
Aditya Birla Housing Finance 26/10/2021	Debenture	AAA	0.25 - 0.27	0.26

Indicates an increase or decrease or no change in holding since last portfolio
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
Reliance Industries	Energy	33.78	2.86	0.00	2.86
ICICI Bank	Financial	23.43	2.30	0.00	2.04
HDFC Bank	Financial	20.43	2.94	0.76	1.94
Dr. Reddy's Lab	Healthcare	38.51	1.35	0.00	1.35
Hindustan Unilever	FMCG	75.37	1.31	0.00	1.30
Kotak Mahindra Bank	Financial	31.06	1.46	0.42	1.25
HCL Technologies	Technology	16.75	0.95	0.00	0.95
Bharti Airtel	Communication	--	1.94	0.00	0.90
Infosys	Technology	23.79	0.80	0.00	0.80
Container Corp.	Services	103.93	0.87	0.00	0.79
ITC	FMCG	17.14	2.34	0.00	0.77
Divi's Laboratories	Healthcare	51.96	0.80	0.00	0.70
Pfizer	Healthcare	39.83	0.70	0.00	0.70
Tata Consumer Products	FMCG	97.53	0.78	0.00	0.70
HDFC Life Insurance	Financial	91.58	0.85	0.00	0.68
PI Industries	Chemicals	57.71	0.64	0.00	0.64
Titan Company	Cons Durable	117.03	0.75	0.00	0.63
3M India	Services	76.34	0.67	0.00	0.60
Dixon Technologies	Engineering	95.13	0.60	0.00	0.60
Muthoot Finance	Financial	15.04	0.73	0.38	0.59
Bajaj Auto	Automobile	19.00	0.67	0.00	0.53
HDFC Asset Management Company	Financial	38.95	0.59	0.00	0.53
Jubilant FoodWorks	Services	89.23	0.76	0.00	0.52
Bayer CropScience	Healthcare	46.01	0.47	0.00	0.43
Bata India	FMCG	124.95	0.97	0.42	0.42

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

As on 31-Jul-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:

05-May-2020: 'In financial services, being a tortoise is sometimes a blessing'

Funds Managed:

Invest Online

0.15%

Change from previous, NAV as on 13-Aug-2020

Growth: ₹ 21.8807

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

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

Exit Load

1% for redemption within 1829 days

Fund House:	Tata Mutual Fund
Launch Date:	01-Nov-2011
Return Since Launch:	9.32%
Benchmark:	CRISIL Short Term Debt Hybrid 75+25 Fund
Riskometer:	Moderately High
Type:	Open-ended
Assets:	₹ 141 Cr (As on 31-Jul-2020)
Expense:	2.47% (As on 30-Jun-2020)
Risk Grade:	Average
Return Grade:	Above Average
Turnover:	--

Fund News - 18-Jun-2019

Custodian Change in Schemes of TATA Mutual Fund
Fund News - 03-May-2019

Exit Load change in Seven Schemes of TATA Mutual Fund
Fund News - 19-Mar-2018

Exit Load change in Three Schemes of Tata Mutual Fund
Fund News - 01-Feb-2018

Benchmark Change in Schemes of Tata Mutual Fund
Fund News - 31-Mar-2017

Change in Fund Managers of Tata Mutual Fund Schemes

Tata Retirement Savings Fund - Conservative Plan - Regular Plan

₹ 1.10 Lakh

₹ 1.19 Lakh

₹ 1.46 Lakh

₹ 1.94 Lakh

₹ 1.27 Lakh

₹ 3.99 Lakh

₹ 7.22 Lakh

₹ 11.23 Lakh

Trailing Returns (%)

Peer Comparison

Best & Worst Performance

Risk Measures (%)

Asset Allocation (%)

Concentration & Valuation

Value Research Equity Fund Style

Value Research Debt Fund Style

Credit Rating vis-à-vis Category

Top Debt Holdings

Sector Allocation vis-à-vis Category

Top Equity Holdings

Fund Manager

0.15%

Investment Strategy

Investment Details

Basic Details

News & Analysis

Contact Information

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