Widely used:
Analyst’s Choice
Recently Viewed
Clear AllValue Research Rating
Analyst’s Choice
Riskometer
Very High
₹72.7196 0.84%
As on 28-Apr-2025
As per SEBI's Riskometer.
Split between different types of investments
Split between categories of Equity investments
|
Fund name
|
Rating |
VR Opinion |
Risk
|
Return (%) |
|
Expense Ratio (%)
|
|---|---|---|---|---|---|---|
|
Tata Retirement Savings Fund - Moderate Plan - Direct Plan
|
|
|
Very High
|
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0.64 |
|
 |
|
Very High
|
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1.00 |
||
|
|
Very High
|
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0.97 |
||
 |
|
Very High
|
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0.50 |
||
|
|
Very High
|
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1.21 |
₹2,008 Cr
1.00 (1829)
5,000
500
150
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
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.
Capital Gains Taxation
The following tax treatment is based upon last 12-months asset allocation and may vary from other funds in the category.
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 - Moderate Plan - Direct 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 - Moderate Plan - Direct Plan is ₹72.7196 as of 29-Apr-2025.
The AUM of Tata Retirement Savings Fund - Moderate Plan - Direct Plan Fund is ₹2,008 Cr as of 31-Mar-2025
The riskometer level of Tata Retirement Savings Fund - Moderate Plan - Direct Plan is Very High. See More
| Company | Percentage of Portfolio |
|---|---|
|
GOI Sec 6.79 07/10/2034 |
6.32
|
|
GOI Sec 7.38 20/06/2027 |
1.52
|
|
GOI Sec 7.27 08/04/2026 |
1.51
|
|
HDFC Bank Ltd SR US002 Debenture 7.80 03/05/2033 |
1.28
|
|
GOI Sec 6.79 26/12/2029 |
1.01
|
As of 31-Mar-2025, Tata Retirement Savings Fund - Moderate Plan - Direct Plan had invested 78.56% in Equity, 14.31% in Debt and 7.13% in Cash & Cash Eq. See More
Tata Retirement Savings Fund - Moderate Plan - Direct Plan is 12 years 4 months old. It has delivered 15.65% returns since inception. See More
|
1Y
|
3Y
|
5Y
|
7Y
|
10Y
|
Since Inception
|
|---|---|---|---|---|---|
|
10.35%
|
15.23%
|
19.11%
|
12.18%
|
13.35%
|
15.65%
|
Yes, There is lock in period in Tata Retirement Savings Fund - Moderate Plan - Direct Plan.
The expense ratio of Tata Retirement Savings Fund - Moderate Plan - Direct Plan is 0.64.
