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Unrated

Principal Retirement Savings Fund Moderate Plan - Regular Plan


1 Lakh

Investment Grown to
₹ 1.16 Lakh

₹ 10000

Monthly SIP Grown to
₹ 3.81 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 higher than fixed income options. But be prepared for ups and downs in your investment value along the way.

Balanced hybrid funds invest roughly half of your money in equity shares and the rest in bonds and commodities. Their returns are lower than pure equity funds which invest all your money in shares, but they also fall 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 balanced 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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(₹)
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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 1.10 -0.73 -0.16 0.16 1.73 6.17 5.95 5.09 -- -- --
VR Balanced TRI -0.30 0.63 -0.57 -0.72 0.98 8.85 13.08 11.35 -- -- --
Hybrid: Balanced Hybrid 0.30 -0.90 -0.55 -1.01 1.51 7.49 7.24 5.81 -- -- --
Rank within category 3 4 1 3 4 7 6 5 -- -- --
Number of funds in category 8 8 8 8 8 8 8 8 7 7 7

As on 24-Feb-2020

Best & Worst Performance

Best (Period) Worst (Period)
Week 3.10 (25-Feb-2016 - 03-Mar-2016) -2.72 (05-Feb-2016 - 12-Feb-2016)
Month 4.39 (26-Dec-2016 - 25-Jan-2017) -5.65 (07-Sep-2018 - 09-Oct-2018)
Quarter 8.01 (24-May-2016 - 23-Aug-2016) -4.86 (04-Jun-2019 - 03-Sep-2019)
Year 18.79 (26-Dec-2016 - 26-Dec-2017) -4.29 (03-Sep-2018 - 03-Sep-2019)

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Fund 5.43 5.53 -0.04 -0.07 0.49 -3.29
VR Balanced TRI 11.92 10.21 0.61 0.95 -- --
Hybrid: Balanced Hybrid 6.71 7.30 0.16 0.23 0.62 -2.81
Rank within category 7 4 7 7 5 6
Number of funds in category 10 10 10 10 10 10

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 48
Top 10 Holdings (%) 40.18
Top 5 Holdings (%) 29.43
Top 3 Sectors (%) 27.79
Portfolio P/B Ratio 2.50
Portfolio P/E Ratio 21.56

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 - 1.49 1.49

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 Grasim Industries Construction 11.75 9.30 0.00 8.75
up Zee Entertainment Services 15.09 6.85 0.00 6.85
equal Interglobe Aviation Services 45.08 6.19 0.00 6.19
up HDFC Bank Financial 25.23 4.08 0.00 3.97
down ICICI Bank Financial 36.13 5.75 0.00 3.67
up Reliance Industries Energy 21.12 3.21 0.00 3.21
up Infosys Technology 20.72 2.15 0.00 2.15
up Tata Consultancy Services Technology 24.50 2.12 0.00 1.81
up Kotak Mahindra Bank Financial 36.78 1.80 0.00 1.80
up Larsen & Toubro Construction 18.10 1.78 0.00 1.78
up ITC FMCG 16.65 1.99 0.00 1.63
up HDFC Financial 18.18 1.48 0.00 1.37
up Bharti Airtel Communication -- 1.38 0.00 1.32
equal GSK Consumer Healthcare FMCG 34.74 1.43 0.00 1.19
down State Bank of India Financial 24.53 2.52 0.00 1.19
equal Maruti Suzuki India Automobile 31.60 7.43 0.00 1.04
up Max Financial Services Financial 51.15 1.06 0.00 1.01
up Axis Bank Financial 42.77 1.54 0.00 0.98
up Dabur India FMCG 57.67 1.26 0.00 0.96
up Ultratech Cement Construction 35.94 0.93 0.00 0.93
up Indian Railway Catering & Tourism Corpn. Services 100.57 0.87 0.00 0.87
up SRF Diversified 22.82 0.85 0.00 0.85
up City Union Bank Financial 21.84 1.22 0.00 0.83
up Divi's Laboratories Healthcare 45.16 0.82 0.00 0.82
up Equitas Holdings Financial 16.78 0.78 0.00 0.78

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:


-0.73%

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

Growth: ₹ 12.9908

Dividend: ₹ 12.9908


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: 6.43%
Benchmark: CRISIL Hybrid 35+65 Aggressive
Riskometer: Moderately High
Type: Open-ended
Assets: ₹ 1 Cr (As on 31-Jan-2020)
Expense: 2.55% (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

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dateFriday, 28-Feb-2020
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