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Unrated

Principal Retirement Savings Fund Conservative Plan - Direct Plan


Hybrid: Conservative Hybrid

1 Lakh

Investment Grown to
₹ 1.07 Lakh

₹ 10000

Monthly SIP Grown to
₹ 3.68 Lakh

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 -1.05 0.05 0.01 1.93 4.78 -1.57 -0.11 2.37 -- -- --
VR MIP TRI 0.08 0.17 0.43 3.10 7.97 -0.46 3.01 6.17 -- -- --
Hybrid: Conservative Hybrid 0.29 0.07 0.51 3.22 6.76 -0.37 3.49 4.39 -- -- --
Rank within category 30 25 36 35 33 30 31 28 -- -- --
Number of funds in category 38 38 38 38 38 38 37 35 32 29 0

As on 13-Jul-2020

Peer Comparison

Fund name Rating Launch Date 1-Year Return 3-Year Return 5-Year Return Expense Ratio Assets (Cr)
Principal Retirement Savings Fund Conservative Plan - Direct Plan
Unrated
Dec-15 -0.11 2.37 -- 1.80 1
ICICI Prudential Regular Savings Fund - Direct Plan  | Invest Now
5 star
Jan-13 7.59 7.29 9.55 1.39 1,597
HDFC Hybrid Debt Fund - Direct Plan  | Invest Online
2 star
Jan-13 2.11 3.29 6.84 1.41 2,344
UTI Regular Savings Fund - Direct Plan  | Invest Online
2 star
Jan-13 0.70 3.26 6.25 1.11 1,673
Aditya Birla Sun Life Regular Savings Fund - Direct Plan  | Invest Online
2 star
Jan-13 -0.56 1.90 6.81 1.12 1,198

Best & Worst Performance

Best (Period) Worst (Period)
Week 2.78 (24-Mar-2020 - 31-Mar-2020) -4.77 (11-Mar-2020 - 18-Mar-2020)
Month 5.24 (23-Mar-2020 - 22-Apr-2020) -10.84 (20-Feb-2020 - 23-Mar-2020)
Quarter 8.56 (23-Mar-2020 - 22-Jun-2020) -9.69 (23-Dec-2019 - 23-Mar-2020)
Year 13.33 (26-Feb-2016 - 27-Feb-2017) -8.02 (22-Mar-2019 - 23-Mar-2020)

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Fund 2.59 5.45 -0.50 -0.49 0.80 -3.32
VR MIP TRI 6.06 6.50 0.12 0.13 -- --
Hybrid: Conservative Hybrid 4.43 7.02 -0.05 0.01 0.84 -1.51
Rank within category 29 14 32 34 21 29
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 30-Jun-2020

Asset Allocation (%)

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Concentration & Valuation

Number of Stocks 58
Number of Bonds 1
Average Maturity (yrs) * --
Top 10 Holdings (%) 45.94
Portfolio P/B Ratio 2.64
Portfolio P/E Ratio 18.31

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 91-D 27/08/2020 Treasury Bills SOV 0.00 - 0.83 0.83

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 Dr. Reddy's Lab Healthcare 31.99 8.72 0.00 8.26
down Hindustan Unilever FMCG 78.80 6.67 0.00 6.31
up ITC FMCG 15.86 10.02 0.00 5.56
up Sun Pharmaceutical Inds. Healthcare 31.84 5.54 0.00 5.54
down Axis Bank Financial 67.06 8.01 0.00 4.43
up JSW Steel Metals 11.90 5.06 0.00 4.28
up Coal India Energy 4.81 4.11 0.00 4.11
up Indusind Bank Financial 8.40 3.18 0.00 3.18
down Reliance Industries Energy 33.24 3.55 0.00 2.21
down HDFC Bank Financial 21.76 6.20 0.00 2.06
down Infosys Technology 20.45 1.60 0.00 1.24
down Tata Consultancy Services Technology 26.68 1.39 0.00 1.10
down ICICI Bank Financial 23.93 2.36 0.00 1.09
down Bharti Airtel Communication -- 1.23 0.00 0.94
up HDFC Financial 14.94 5.47 0.00 0.90
equal Kotak Mahindra Bank Financial 30.75 1.13 0.00 0.84
down Divi's Laboratories Healthcare 43.11 0.84 0.00 0.63
equal Coromandel International Chemicals 20.68 0.62 0.00 0.62
down Larsen & Toubro Construction 13.65 5.93 0.00 0.56
down Maruti Suzuki India Automobile 31.89 7.26 0.00 0.54
down Abbott India Healthcare 55.63 0.75 0.00 0.53
equal Bajaj Finance Financial 37.01 0.53 0.00 0.52
equal TCI Express Ltd. Services 27.64 0.44 0.00 0.41
down Dixon Technologies Engineering 61.96 0.42 0.00 0.39
down SBI Life Insurance Company Financial 60.70 0.79 0.00 0.39

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-Jun-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:


0.05%

Change from previous, NAV as on 13-Jul-2020

Growth: ₹ 12.5978


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: 5.17%
Benchmark: CRISIL Liquid (70), NIFTY 50 TRI (30)
Riskometer: Moderately High
Type: Open-ended
Assets: ₹ 1 Cr (As on 30-Jun-2020)
Expense: 1.80% (As on 30-Jun-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: http://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

Value Investing

Evaluating Covid-affected financials of India Inc

dateFriday, 17-Jul-2020
time12:30 PM - 01:00 PM