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4 star

HDFC Retirement Savings Fund - Hybrid Equity Plan - Regular Plan


Hybrid: Aggressive Hybrid

1 Lakh

Investment Grown to
₹ 1.10 Lakh

₹ 10000

Monthly SIP Grown to
₹ 3.68 Lakh

Suitability:

When you invest for five years or above, you can expect gains that comfortably 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.

Aggressive hybrid funds invest 65-80% of your money in equity shares and the rest in bonds and commodities. Their returns are slightly lower than pure equity funds which invest all your money in shares, but they also fall relatively 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 aggressive hybrid fund, if you need to redeem your investment in less than five years.

Taxability of earnings:

Capital gains

  • If the mutual fund units are sold after 1 year from the date of investment, gains upto Rs 1 lakh in a financial year are exempt from tax. Gains over Rs 1 lakh are taxed at the rate of 10%.
  • If the mutual fund units are sold within 1 year from the date of investment, entire amount of gain is taxed at the rate of 15%.
  • 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 10% (effectively 11.648%, 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 -5.33 -0.21 1.19 5.55 14.21 -6.28 -2.62 3.08 -- -- --
VR Balanced TRI -8.40 -0.32 1.38 5.53 15.46 -8.98 -3.15 5.04 -- -- --
Hybrid: Aggressive Hybrid -7.02 -0.27 1.51 5.05 12.53 -7.76 -2.62 1.41 -- -- --
Rank within category 15 17 17 9 9 16 20 10 -- -- --
Number of funds in category 43 43 43 43 43 43 40 32 24 23 21

As on 10-Jul-2020

Peer Comparison

Fund name Rating Launch Date 1-Year Return 3-Year Return 5-Year Return Expense Ratio Assets (Cr)
HDFC Retirement Savings Fund - Hybrid Equity Plan - Regular Plan  | Invest Online
4 star
Feb-16 -2.62 3.08 -- 2.43 395
SBI Equity Hybrid Fund  | Invest Online
5 star
Dec-95 0.17 5.44 7.23 1.74 30,192
ICICI Prudential Equity & Debt Fund  | Invest Now
4 star
Nov-99 -6.25 1.55 6.32 1.75 17,423
DSP Equity & Bond Fund  | Invest Online
4 star
May-99 3.47 4.03 7.25 1.89 5,406
Mirae Asset Hybrid Equity Fund - Regular Plan  | Invest Online
4 star
Jul-15 -0.45 5.13 -- 1.91 3,274

Best & Worst Performance

Best (Period) Worst (Period)
Week 6.91 (24-Mar-2020 - 31-Mar-2020) -13.57 (16-Mar-2020 - 23-Mar-2020)
Month 13.41 (24-Mar-2020 - 23-Apr-2020) -27.58 (20-Feb-2020 - 23-Mar-2020)
Quarter 23.44 (24-Mar-2020 - 23-Jun-2020) -25.54 (23-Dec-2019 - 23-Mar-2020)
Year 34.30 (26-Feb-2016 - 27-Feb-2017) -23.17 (22-Mar-2019 - 23-Mar-2020)

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Fund 4.08 16.00 -0.08 -0.08 0.89 -1.76
VR Balanced TRI 5.91 17.27 0.04 0.04 -- --
Hybrid: Aggressive Hybrid 2.29 16.30 -0.18 -0.19 0.90 -3.56
Rank within category 8 18 8 8 15 8
Number of funds in category 34 34 34 34 34 34

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 55
Top 10 Holdings (%) 43.82
Top 5 Holdings (%) 26.90
Top 3 Sectors (%) 32.08
Portfolio P/B Ratio 2.09
Portfolio P/E Ratio 15.27

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 9.10% Power Finance Corp. 23/03/2029 Non Convertible Debenture AAA 6.63 - 8.09 6.72
equal 7.57% GOI 17/06/2033 GOI Securities SOV 0.00 - 4.06 3.49
equal 8.75% Vedanta 30/06/2022 Non Convertible Debenture AA 0.00 - 4.51 3.36
equal 8.95% Jamnagar Utilities and Power 26/04/2023 Debenture AAA 2.64 - 3.30 2.69
equal 8.55% L&T Infrastructre Finance 29/11/2022 Non Convertible Debenture AAA 0.00 - 3.03 2.59
equal 8.75% State Bank of India Bonds AA+ 2.18 - 2.79 2.18
equal 7.93% Power Grid Corporation 20/05/2028 Bonds AAA 1.33 - 1.69 1.37
equal 11.25% Canara Bank 30/03/2050 Debenture A+ 0.00 - 1.06 0.89
equal 9.25% Reliance Jio Infocomm 16/06/2024 Debenture AAA 0.68 - 0.84 0.70

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 HDFC Bank Financial 22.27 6.92 5.44 5.98
down Reliance Industries Energy 32.28 5.48 3.44 5.47
equal HDFC Financial 15.26 5.32 0.00 4.53
equal ICICI Bank Financial 24.39 5.30 2.94 4.20
equal Infosys Technology 20.07 4.78 1.37 3.69
equal ITC FMCG 15.60 4.04 0.00 3.69
equal Larsen & Toubro Construction 13.71 3.46 2.25 2.51
equal Procter & Gamble Health Healthcare 41.91 3.22 0.00 1.90
equal Engineers India Construction 10.85 1.87 0.00 1.87
equal Aurobindo Pharma Healthcare 16.99 2.24 0.74 1.78
equal Timken India Engineering 30.06 1.79 0.00 1.68
down NIIT Technologies Technology 22.41 2.29 1.00 1.32
equal HPCL Energy 12.14 1.45 0.33 1.32
equal JB Chemicals & Pharma Healthcare 20.44 1.30 0.00 1.25
equal Suprajit Eng Automobile 21.31 1.22 0.00 1.22
equal Voltamp Transformers Engineering 12.49 1.41 0.00 1.22
equal Balrampur Chini Mills FMCG 5.45 1.19 0.00 1.19
equal Bajaj Electricals Cons Durable -- 1.31 0.60 1.18
up Oriental Carbon & Chemicals Chemicals 10.70 1.93 0.37 1.11
equal Power Grid Corporation Energy 9.63 1.72 0.78 1.11
equal Balkrishna Industries Automobile 25.47 1.30 0.00 1.06
equal Bharat Electronics Engineering 13.31 1.01 0.00 1.01
equal State Bank of India Financial 8.83 2.54 0.96 0.99
equal Chambal Fertilisers & Chem. Chemicals 5.24 1.83 0.00 0.99
equal KEC International Engineering 12.53 1.48 0.00 0.96

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

— Chirag Setalvad since 05-Feb-2016

Education: Mr. Setalvad is a B. Sc and MBA from University of North Carolina.

Experience: Prior to joining HDFC AMC he has worked with New Vernon Advisory Services Ltd., HDFC AMC and ING Barings N.V.

Funds Managed:

— Shobhit Mehrotra since 05-Feb-2016

Education: He is an MBA from Clemson University, USA.

Experience: Prior to joining HDFC AMC he has worked with Templeton AMC, and ICRA.

Funds Managed:


-0.21%

Change from previous, NAV as on 10-Jul-2020

Growth: ₹ 16.2730


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.

Investment Details

Minimum Investment (₹) 5,000
Minimum Addl Investment (₹) 1,000
Minimum SIP Investment (₹) 500
Minimum No of Cheques 12
Minimum Withdrawal (₹) 500
Minimum Balance (₹) 5,000
Exit Load 0

Basic Details

Fund House: HDFC Mutual Fund
Launch Date: 25-Feb-2016
Return Since Launch: 11.77%
Benchmark: NIFTY 50 Hybrid Composite Debt 65:35
Riskometer: Moderately High
Type: Open-ended
Assets: ₹ 395 Cr (As on 30-Jun-2020)
Expense: 2.43% (As on 31-May-2020)
Risk Grade: Average
Return Grade: Above Average
Turnover: 16.59%

Contact Information

AMC: HDFC Asset Management Company Ltd

Address: "HDFC House"-2nd Floor, H.T. Parekh Marg - 165-166, Backbay Reclamation, Churchgate Mumbai - 400020

Phone: 1800-3010-6767 / 1800-419-7676

Fax: 022-22821144

Website: http://www.hdfcfund.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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