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Tata Retirement Savings Fund - Moderate Plan - Direct Plan


1 Lakh

Investment Grown to
₹ 1.13 Lakh

₹ 10000

Monthly SIP Declined to
₹ 3.57 Lakh

Analyst's Choice?

Suitability:

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

Aggressive hybrid funds invest 65-80% of your money in equity shares and the rest in bonds and commodities. Their returns are slightly lower than 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 its sharp ups and downs.

Like 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.

Taxability of earnings:

Capital gains

  • If the mutual fund units are sold after 1 year from the date of investment, gains upto Rs 1 lakh in a financial year are exempt from tax. Gains over Rs 1 lakh are taxed at the rate of 10%.
  • If the mutual fund units are sold within 1 year from the date of investment, entire amount of gain is taxed at the rate of 15%.
  • 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 10% (effectively 11.648%, 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 -9.00 0.64 5.50 1.52 -7.00 -8.45 -5.92 4.10 8.54 15.02 --
VR Balanced TRI -13.61 0.70 6.50 1.94 -8.48 -12.50 -11.96 3.51 6.01 8.82 --
Hybrid: Aggressive Hybrid -11.62 0.55 5.29 1.53 -9.92 -10.86 -10.25 1.17 5.54 10.72 --
Rank within category 10 12 20 18 5 10 8 6 2 1 --
Number of funds in category 43 43 43 43 43 42 40 32 24 23 0

As on 03-Jun-2020

Best & Worst Performance

Best (Period) Worst (Period)
Week 9.40 (24-Mar-2020 - 31-Mar-2020) -15.01 (11-Mar-2020 - 18-Mar-2020)
Month 18.39 (23-Mar-2020 - 22-Apr-2020) -29.44 (20-Feb-2020 - 23-Mar-2020)
Quarter 24.56 (07-Apr-2014 - 07-Jul-2014) -27.79 (23-Dec-2019 - 23-Mar-2020)
Year 76.53 (13-Feb-2014 - 13-Feb-2015) -22.52 (22-Mar-2019 - 23-Mar-2020)

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Fund 4.76 16.92 -0.04 -0.04 0.94 0.93
VR Balanced TRI 3.73 16.94 -0.10 -0.11 -- --
Hybrid: Aggressive Hybrid 1.59 15.97 -0.23 -0.23 0.89 -2.32
Rank within category 5 28 5 5 26 5
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 31-May-2020

Asset Allocation (%)

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Concentration & Valuation

Number of Stocks 43
Top 10 Holdings (%) 42.71
Top 5 Holdings (%) 27.01
Top 3 Sectors (%) 49.78
Portfolio P/B Ratio 3.84
Portfolio P/E Ratio 29.55

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 7.27% GOI 2026 GOI Securities SOV 0.00 - 4.47 4.10
equal 7.26% GOI 14/01/2029 GOI Securities SOV 0.00 - 5.00 3.74
new HUDCO 2020 Non Convertible Debenture AAA 0.00 - 2.37 2.37
equal 9.23% Talwandi Sabo Power 30/07/2021 Debenture AA 2.12 - 2.66 2.31
equal 7.41% Nabha Power 20/04/2022 Non Convertible Debenture AAA 0.00 - 2.14 1.89
equal 7.42% Power Finance Corp. 19/11/2024 Non Convertible Debenture AAA 0.00 - 1.62 1.43
equal 7.13% NHPC 2026 Debenture AAA 0.00 - 0.54 0.48
equal ONGC Petro Additions 27/03/2021 Debenture AAA 0.42 - 0.53 0.48
equal 7.13% NHPC 2027 Debenture AAA 0.00 - 0.54 0.47
equal 7.13% NHPC 2029 Debenture AAA 0.00 - 0.53 0.47
equal 7.13% NHPC 2030 Debenture AAA 0.00 - 0.54 0.47
equal 7.13% NHPC 2028 Debenture AAA 0.00 - 0.53 0.47
equal 7.47% Power Finance Corp. 16/09/2021 Bonds AAA 0.15 - 0.18 0.16
equal 9.10% Shriram Transport Finance 2021 Debenture AA+ 0.05 - 0.08 0.06
equal 8.22% ICICI Home Finance Company 27/05/2021 Bonds/NCDs AAA 0.04 - 0.05 0.05
equal 8.20% Power Grid Corporation 23/01/2022 Bonds/NCDs AAA 0.04 - 0.04 0.04
equal 8.81% SIDBI 25/01/2022 Debenture AAA 0.02 - 0.02 0.02
equal 10.09% MRF 27/05/2021 Debenture AAA 0.02 - 0.02 0.02

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 20.58 8.37 2.15 7.07
up ICICI Bank Financial 24.14 6.49 0.00 6.14
equal Reliance Industries Energy 26.50 5.88 0.00 5.88
up Bharti Airtel Communication -- 3.83 0.00 3.83
up Kotak Mahindra Bank Financial 31.95 4.29 0.81 3.43
equal HDFC Financial 14.84 3.74 0.00 3.21
up Hindustan Unilever FMCG 73.76 2.99 0.00 2.95
up Dr. Reddy's Lab Healthcare 32.49 2.33 0.00 2.33
equal ITC FMCG 16.15 6.79 0.00 2.30
equal HDFC Life Insurance Financial 78.03 2.39 0.00 2.07
equal Container Corp. Services 52.29 2.71 0.00 1.86
equal Titan Company Cons Durable 58.35 2.20 0.00 1.85
equal Tata Consumer Products FMCG 73.04 2.08 0.00 1.85
equal Divi's Laboratories Healthcare 49.79 2.24 0.00 1.78
equal 3M India Services 62.55 1.94 0.00 1.70
equal Muthoot Finance Financial 13.04 2.03 0.76 1.70
equal Jubilant FoodWorks Services 79.52 2.05 0.00 1.60
equal Bajaj Auto Automobile 15.46 1.77 0.00 1.53
equal Bata India FMCG 54.92 2.53 0.00 1.49
equal HDFC Asset Management Company Financial 44.44 1.76 0.00 1.47
equal Axis Bank Financial 62.38 2.97 0.00 1.42
equal ICICI Lombard General Insurance Company Financial 48.42 1.44 0.00 1.36
up Pfizer Healthcare 36.03 1.28 0.00 1.28
equal Kansai Nerolac Paints Chemicals 40.35 1.38 0.00 1.20
equal Johnson Controls - Hitachi Air Conditioning India Cons Durable 55.35 1.29 0.00 1.17

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:


0.64%

Change from previous, NAV as on 03-Jun-2020

Growth: ₹ 31.5734


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 (₹) 150
Minimum No of Cheques 12
Minimum Withdrawal (₹) 500
Minimum Balance (₹) 500
Exit Load 1% for redemption within 1829 days

Basic Details

Fund House: Tata Mutual Fund
Launch Date: 01-Jan-2013
Return Since Launch: 13.77%
Benchmark: CRISIL Hybrid 25+75 Aggressive Index
Riskometer: Moderately High
Type: Open-ended
Assets: ₹ 1,048 Cr (As on 30-Apr-2020)
Expense: 0.87% (As on 30-Apr-2020)
Risk Grade: Average
Return Grade: High
Turnover: 59.02%

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

Upcoming Video

Value Investing

Shop for value or hold cash

dateFriday, 12-Jun-2020
time12:30 PM - 01:00 PM