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Unrated

Principal Retirement Savings Fund Conservative Plan - Regular Plan


1 Lakh

Investment Grown to
₹ 1.13 Lakh

₹ 10000

Monthly SIP Grown to
₹ 3.78 Lakh

Analyst's Choice?

Suitability:

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

Conservative hybrid funds invest roughly a quarter of your money in equity shares and the rest in bonds and commodities. Given their underlying investments, these funds offer a viable alternative to regular income seekers. To derive dependable, inflation-protected income, 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% of the value of your investment every year.

Warning: Do not invest in this, or any other aggressive hybrid fund, if you need to redeem your investment in less than three years.

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 paid by the mutual fund scheme are taxed at the rate of 25% (effectively 29.12%, 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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Trailing Returns (%)

YTD 1-Day 1-W 1-M 3-M 6-M 1-Y 3-Y 5-Y 7-Y 10-Y
Fund 0.90 -0.47 -0.07 0.19 1.15 3.85 4.14 4.14 -- -- --
VR MIP TRI 0.93 0.29 -0.01 0.62 1.79 5.47 10.56 8.63 -- -- --
Hybrid: Conservative Hybrid 1.01 -0.39 -0.17 0.12 1.63 5.45 7.77 6.13 -- -- --
Rank within category 24 27 9 18 23 28 25 26 -- -- --
Number of funds in category 31 31 31 31 31 31 30 30 27 25 21

As on 24-Feb-2020

Best & Worst Performance

Best (Period) Worst (Period)
Week 1.59 (19-Sep-2019 - 26-Sep-2019) -1.66 (17-Sep-2018 - 24-Sep-2018)
Month 2.47 (18-Feb-2019 - 20-Mar-2019) -3.90 (07-Sep-2018 - 09-Oct-2018)
Quarter 4.97 (26-Feb-2016 - 27-May-2016) -2.82 (04-Jun-2019 - 03-Sep-2019)
Year 12.97 (26-Feb-2016 - 27-Feb-2017) -1.95 (03-Sep-2018 - 03-Sep-2019)

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Fund 4.13 3.11 -0.49 -0.60 0.66 -3.16
VR MIP TRI 8.13 4.10 0.60 0.95 -- --
Hybrid: Conservative Hybrid 5.80 4.21 0.08 0.18 0.75 -1.72
Rank within category 32 9 34 35 14 30
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-Jan-2020

Asset Allocation (%)

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Concentration & Valuation

Number of Stocks 49
Number of Bonds 1
Average Maturity (yrs) * --
Top 10 Holdings (%) 49.09
Portfolio P/B Ratio 2.58
Portfolio P/E Ratio 22.64

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
new Reserve Bank of India 364-D 20/03/2020 Treasury Bills SOV 0.00 - 0.80 0.80

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
down Axis Bank Financial 42.77 8.01 0.00 7.69
equal Dr. Reddy's Lab Healthcare 31.01 6.78 0.00 6.31
down ITC FMCG 16.65 10.02 0.00 5.57
equal Tata Steel Metals 9.24 9.26 0.00 5.33
down Larsen & Toubro Construction 18.10 5.93 0.00 5.25
equal Hindustan Unilever FMCG 70.51 4.94 0.00 4.94
equal Sun Pharmaceutical Inds. Healthcare 23.87 4.69 0.00 4.68
equal JSW Steel Metals 11.75 5.06 0.00 4.67
down HDFC Bank Financial 25.23 6.20 0.00 2.41
down ICICI Bank Financial 36.13 2.36 0.00 2.24
down Reliance Industries Energy 21.12 3.55 0.00 1.96
equal State Bank of India Financial 24.53 1.56 0.00 1.32
down Infosys Technology 20.72 1.31 0.00 1.31
equal Tata Consultancy Services Technology 24.50 1.26 0.00 1.11
down Kotak Mahindra Bank Financial 36.78 1.13 0.00 1.10
equal HDFC Financial 18.18 5.47 0.00 0.84
equal Bharti Airtel Communication -- 0.82 0.00 0.82
equal GSK Consumer Healthcare FMCG 34.74 0.79 0.00 0.79
equal Maruti Suzuki India Automobile 31.60 7.26 0.00 0.67
down Max Financial Services Financial 51.15 0.67 0.00 0.61
down Dabur India FMCG 57.67 0.67 0.00 0.59
equal Ultratech Cement Construction 35.94 0.57 0.00 0.57
up Indian Railway Catering & Tourism Corpn. Services 100.57 0.53 0.00 0.53
equal SRF Diversified 22.82 0.52 0.00 0.52
down City Union Bank Financial 21.84 0.53 0.00 0.51

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-Jan-2020

Fund Manager

— Ravi Gopalakrishnan since 29-Jul-2019

Education: Mr. Gopalakrishnan is an MBA from Bradley University, USA and Masters in Finance (Investments) from Drexel University, USA.

Experience: Prior to joining Principal Mutual Fund, he has worked with Canara Robeco AMC, PGIM India Mutual Fund, Hudson Fairfax Group,USA, and Sun F & C Asset Management Ltd.

Funds Managed:


-0.47%

Change from previous, NAV as on 24-Feb-2020

Growth: ₹ 12.6100


Investment Strategy

The scheme seeks to provide capital appreciation and income generation to enable investors save over the long term towards their retirement savings goals, by investing in a mix of securities comprising of equity, equity related instruments and fixed income securities.

Investment Details

Minimum Investment (₹) 5,000
Minimum Addl Investment (₹) 1,000
Minimum SIP Investment (₹) 2,000
Minimum No of Cheques 6
Minimum Withdrawal (₹) 500
Minimum Balance (₹) 1
Exit Load 0

Basic Details

Fund House: Principal Mutual Fund
Launch Date: 14-Dec-2015
Return Since Launch: 5.68%
Benchmark: CRISIL Liquid (70), NIFTY 50 TRI (30)
Riskometer: Moderately High
Type: Open-ended
Assets: ₹ 1 Cr (As on 31-Jan-2020)
Expense: 2.25% (As on 31-Jan-2020)
Risk Grade: --
Return Grade: --
Turnover: --

Contact Information

AMC: Principal Asset Management Pvt. Ltd.

Address: Exchange Plaza - 2rd Floor - NSE Building, "B" Wing-Bandra Kurla Complex, Bandra (East), Mumbai - 400051

Phone: 022-67720555 / 1800-425-5600

Fax: 022-67720512

Email: [email protected]

Website: www.principalindia.com

Registrar & Transfer Agent: KFin Technologies Pvt Ltd.

Address: 303, Vamsee Estates, Opp. Big Bazaar, Ameerpet, Hyderabad - 500016

Phone: 040-44857874

Email: [email protected]

Website: www.karvymfs.com

Upcoming Video

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Time to bet big on mid- and small-cap funds?

dateFriday, 28-Feb-2020
time12:30 PM - 01:00 PM