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Value Research Rating
Analyst’s Choice
Riskometer
Moderately High
₹30.8900 -0.29%
As on 04-Oct-2024
As per SEBI's Riskometer.
Split between different types of investments
Split between categories of Equity investments
Rating |
VR Opinion |
Risk
|
Return (%) |
|
Expense Ratio (%)
|
|
|---|---|---|---|---|---|---|
|
Tata Retirement Savings Fund - Conservative Plan - Regular Plan
|
|
|
Moderately High
|
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2.17 |
|
 |
|
High
|
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1.12 |
||
 |
|
High
|
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1.66 |
||
|
|
Moderately High
|
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1.76 |
||
|
|
Moderately High
|
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1.68 |
₹176 Cr
1.00 (1829)
5,000
--
500
12
Investment Strategy
The fund seeks to provide a financial planning tool for long term financial security for investors based on their retirement planning goals.
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."
Capital Gains Taxation
Disclaimer: The tax information has been prepared on a best-effort basis using information available in the public domain and other sources that Value Research considers reliable. This is not meant as tax advice, and we advise you to consult your tax advisor before making any decision. Value Research takes no responsibility and assumes no liability for any loss or damage arising from any investment or redemption decision based on this information.
Dividend Taxation
The fund seeks to provide a financial planning tool for long term financial security for investors based on their retirement planning goals.
Mutual funds can be bought directly from the website of the fund house. For instance, Tata Retirement Savings Fund - Conservative Plan - Regular Plan fund can be purchased from the website of Tata Mutual Fund. You can also buy mutual funds through platforms like MF Central, MF Utility, among others. However, if you are not comfortable buying mutual funds online, you can seek help of a mutual fund distributor. Most banks also act as mutual fund distributors. So you can connect with your bank for assistance.
The NAV of Tata Retirement Savings Fund - Conservative Plan - Regular Plan is ₹30.8900 as of 05-Oct-2024.
The AUM of Tata Retirement Savings Fund - Conservative Plan - Regular Plan Fund is ₹176 Cr as of 31-Aug-2024
The riskometer level of Tata Retirement Savings Fund - Conservative Plan - Regular Plan is Moderately High. See More
| Company | Percentage of Portfolio |
|---|---|
|
GOI Sec 7.38 20/06/2027 |
8.67
|
|
GOI Sec 7.17 17/04/2030 |
8.67
|
|
GOI Sec 7.36 12/09/2052 |
5.94
|
|
GOI Sec 7.27 08/04/2026 |
5.73
|
|
Power Finance Corporation Ltd SERIES 192 NCD 7.42 19/11/2024 |
5.69
|
As of 31-Aug-2024, Tata Retirement Savings Fund - Conservative Plan - Regular Plan had invested 50.92% in Debt, 29.65% in Equity and 19.43% in Cash & Cash Eq. See More
Tata Retirement Savings Fund - Conservative Plan - Regular Plan is 12 years 11 months old. It has delivered 9.11% returns since inception. See More
|
1Y
|
3Y
|
5Y
|
7Y
|
10Y
|
Since Inception
|
|---|---|---|---|---|---|
|
14.70%
|
7.16%
|
8.78%
|
7.38%
|
8.54%
|
9.11%
|
Yes, There is lock in period in Tata Retirement Savings Fund - Conservative Plan - Regular Plan.
The expense ratio of Tata Retirement Savings Fund - Conservative Plan - Regular Plan is 2.17.
