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Value Research Rating
Analyst’s Choice
Riskometer
Very High
₹58.1800 -0.33%
As on 18-Sep-2024
As per SEBI's Riskometer.
Split between different types of investments
Split between categories of Equity investments
Rating |
VR Opinion |
Risk
|
Return (%) |
|
Expense Ratio (%)
|
|
|---|---|---|---|---|---|---|
|
HDFC Retirement Savings Fund Equity Plan - Direct Plan
|
|
|
Very High
|
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0.67 |
|
|
|
Very High
|
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0.63 |
||
 |
|
Very High
|
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0.77 |
||
|
|
Very High
|
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0.95 |
||
|
|
Very High
|
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0.73 |
₹6,016 Cr
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100
100
100
6
Investment Strategy
The Scheme seeks to provide long-term capital appreciation / income by investing in a mix of equity and debt instruments to help investors meet their retirement goals.
Suitability
When you invest for five years or more, you can expect gains that comfortably beat the inflation rate as well as returns from fixed income options. But be prepared for ups and downs in your investment value along the way.
This is a flexi-cap fund where the fund management team has complete freedom to invest in companies of different sizes, depending on where it expects maximum gains. This versatility makes flexi-cap funds most suitable for equity fund investors, as the job of stock selection is left completely to the fund manager, which is the very idea of investing in a mutual fund.
Like for all equity funds, 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 flexi-cap fund, if you need to redeem your investment in less than five years.
Capital Gains Taxation
Dividend Taxation
HDFC Retirement Savings Fund Equity Plan - Direct Plan is mandated to invest at least 65 per cent of its assets in equity stocks at all times. Note that it carries a lock-in period of 5 years or till the investor attains retirement age, whichever is earlier. Flexi cap funds have complete freedom to invest in companies of different sizes, depending on where the fund management team expects maximum gains.
Mutual funds can be bought directly from the website of the fund house. For instance, HDFC Retirement Savings Fund Equity Plan - Direct Plan fund can be purchased from the website of HDFC Mutual Fund. You can also buy mutual funds through platforms like MF Central, MF Utility, among others. However, if you are not comfortable buying mutual funds online, you can seek help of a mutual fund distributor. Most banks also act as mutual fund distributors. So you can connect with your bank for assistance.
The NAV of HDFC Retirement Savings Fund Equity Plan - Direct Plan is ₹58.1800 as of 19-Sep-2024.
The AUM of HDFC Retirement Savings Fund Equity Plan - Direct Plan Fund is ₹6,016 Cr as of 31-Aug-2024
The riskometer level of HDFC Retirement Savings Fund Equity Plan - Direct Plan is Very High. See More
| Company | Percentage of Portfolio |
|---|---|
|
7.62
|
|
|
6.13
|
|
|
3.55
|
|
|
3.13
|
|
|
3.01
|
As of 31-Aug-2024, HDFC Retirement Savings Fund Equity Plan - Direct Plan had invested 91.91% in Equity, 7.24% in Cash & Cash Eq. and 0.84% in Real Estate See More
HDFC Retirement Savings Fund Equity Plan - Direct Plan is 8 years 6 months old. It has delivered 22.81% returns since inception. See More
|
1Y
|
3Y
|
5Y
|
7Y
|
10Y
|
Since Inception
|
|---|---|---|---|---|---|
|
36.44%
|
22.98%
|
27.96%
|
19.56%
|
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|
22.81%
|
Yes, There is lock in period in HDFC Retirement Savings Fund Equity Plan - Direct Plan.
The expense ratio of HDFC Retirement Savings Fund Equity Plan - Direct Plan is 0.67.
