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4 star

Tata Retirement Savings Fund - Conservative Plan - Direct Plan


1 Lakh

Investment Grown to
₹ 1.35 Lakh

₹ 10000

Monthly SIP Grown to
₹ 4.24 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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(₹)
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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 0.53 -0.42 -0.24 1.25 -0.66 4.27 9.03 10.61 9.62 9.80 --
VR MIP TRI 2.01 0.09 0.69 2.74 0.26 7.12 11.62 10.91 9.87 8.72 --
Hybrid: Conservative Hybrid 0.77 -0.26 0.10 1.18 0.63 5.36 11.59 9.49 8.23 8.36 --
Rank within category 27 34 36 20 36 25 24 10 5 5 --
Number of funds in category 36 36 36 36 36 36 33 30 30 28 0

As on 18-Jan-2022

Peer Comparison

Fund name Rating Launch Date 1-Year Return 3-Year Return 5-Year Return Expense Ratio Assets (Cr)
Tata Retirement Savings Fund - Conservative Plan - Direct Plan  | Invest Online
4 star
Jan-13 9.03 10.61 9.62 1.05% 188
SBI Conservative Hybrid Fund - Direct Plan  | Invest Online
4 star
Jan-13 14.98 12.85 9.31 0.56% 5,338
ICICI Prudential Regular Savings Fund - Direct Plan  | Invest Now
5 star
Jan-13 12.00 11.41 10.37 0.95% 3,375
Kotak Debt Hybrid Fund - Direct Plan  | Invest Online
5 star
Jan-13 14.76 14.38 10.71 0.48% 1,268
Canara Robeco Conservative Hybrid Fund - Direct Plan  | Invest Online
5 star
Jan-13 12.23 12.84 10.20 0.56% 1,045

Best & Worst Performance

Best Performance Worst Performance
Return (%) Period Return (%) Period
Week 3.97 24-Mar-2020 - 31-Mar-2020 -5.72 11-Mar-2020 - 18-Mar-2020
Month 7.77 23-Mar-2020 - 22-Apr-2020 -10.98 20-Feb-2020 - 23-Mar-2020
Quarter 12.16 23-Mar-2020 - 22-Jun-2020 -8.88 23-Dec-2019 - 23-Mar-2020
Year 27.02 03-Mar-2014 - 03-Mar-2015 -2.83 22-Mar-2019 - 23-Mar-2020

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Fund 9.99 5.62 1.11 1.33 0.78 1.37
VR MIP TRI 10.03 6.79 0.93 1.14 -- --
Hybrid: Conservative Hybrid 9.04 6.29 0.98 1.14 0.68 1.04
Rank within category 10 14 11 12 20 14
Number of funds in category 30 30 30 30 30 30

The Risk Measures have been calculated using calendar month returns for the last three years.

As on 31-Dec-2021

Asset Allocation (%)

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Concentration & Valuation

Number of Stocks 47
Number of Bonds 15
Average Maturity (yrs) 2.98
Top 10 Holdings (%) 55.89
Portfolio P/B Ratio 4.84
Portfolio P/E Ratio 30.63

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 13.86 - 16.53 13.86
equal 7.27% GOI 2026 GOI Securities SOV 5.59 - 6.66 5.59
equal 7.42% Power Finance Corporation 19/11/2024 Non Convertible Debenture AAA 5.53 - 6.53 5.55
equal 5.70% Bajaj Housing Finance 2024 Debenture AAA 0.00 - 5.78 5.28
equal 6.40% Jamnagar Utilities and Power 29/09/2026 Non Convertible Debenture AAA 0.00 - 5.29 5.24
equal Cholamandalam Investment & Finance Company 321-D 16/06/2022 Commercial Paper A1+ 0.00 - 5.55 5.19
equal 6.84% GOI 19/12/2022 GOI Securities SOV 4.98 - 5.92 4.98
equal Varanasi Sangam Expressway 29/12/2034 Non Convertible Debenture AAA 0.00 - 4.67 4.14
equal 8.24% GOI 15/02/2027 Central Government Loan SOV 3.19 - 3.82 3.19
equal 8.20% GOI 24/09/2025 Central Government Loan SOV 2.87 - 3.44 2.87
equal 7.73% GOI 19/12/2034 GOI Securities SOV 2.84 - 3.46 2.86
equal 9.95% Food Corporation of India 2022 Bonds AAA 2.68 - 3.27 2.68
equal 6.45% ICICI Bank 15/06/2028 Debenture AAA 0.00 - 2.84 2.61
equal Panatone Finvest 364-D 30/08/2022 Commercial Paper A1+ 0.00 - 2.71 2.57
equal 8.44% Maharashtra State 26/11/2024 State Development Loan SOV 2.00 - 2.39 2.00

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
equal ICICI Bank Financial 26.45 2.49 1.41 2.48
equal HDFC Bank Financial 23.35 3.22 1.21 1.74
equal Reliance Industries Energy 32.63 2.96 0.82 1.63
up Tata Consultancy Services Technology 38.48 1.50 0.00 1.45
equal Infosys Technology 36.53 1.50 0.00 1.32
down HCL Technologies Technology 29.56 1.05 0.00 0.98
equal ITC FMCG 19.03 2.34 0.61 0.96
equal Radico Khaitan FMCG 52.05 0.92 0.26 0.92
equal Power Grid Corporation Energy 8.91 0.89 0.00 0.85
equal SBI Cards & Payments Services Financial 79.38 1.02 0.00 0.78
equal Axis Bank Financial 22.37 1.06 0.00 0.74
up Titan Company Consumer Durable 131.52 0.75 0.00 0.72
equal Polycab India Engineering 48.59 0.67 0.00 0.65
equal Dixon Technologies Engineering 167.39 0.83 0.00 0.61
up Jubilant FoodWorks Services 117.83 0.76 0.47 0.60
down Birlasoft Technology 34.83 0.58 0.00 0.58
equal Voltas Consumer Durable 70.46 0.56 0.31 0.56
equal Oracle Fin Ser Software Technology 18.63 0.70 0.00 0.55
equal 3M India Diversified 125.63 0.73 0.00 0.54
equal Info Edge (India) Services 7.60 0.65 0.00 0.53
equal Ambuja Cements Construction 23.10 0.62 0.00 0.51
equal Tata Consumer Products FMCG 91.22 0.73 0.00 0.49
equal HDFC Life Insurance Insurance 122.86 0.85 0.00 0.43
up Matrimony.Com Services 38.01 0.42 0.00 0.42
equal HDFC Financial 22.77 1.32 0.00 0.41

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 31-Dec-2021

Fund Manager

— 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:

— 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:


-0.42%

Change from previous, NAV as on 18-Jan-2022

Growth: ₹ 28.2736


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

Min. Investment (₹) 5,000
Min. Addl Investment (₹) 1,000
Min. SIP Investment (₹) 500
Min. No of Cheques 12
Min. Withdrawal (₹) --
Min. Balance (₹) --
Lock-in Period 5 Years
Exit Load 1% for redemption within 1829 days

Basic Details

Fund House: Tata Mutual Fund
Launch Date: 01-Jan-2013
Return Since Launch: 10.82%
Benchmark: CRISIL Short Term Debt Hybrid 75+25 Index
Riskometer: Moderately High
Type: Open-ended
Assets: ₹ 188 Cr (As on 31-Dec-2021)
Expense: 1.05% (As on 31-Dec-2021)
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: http://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

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