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3 star

HDFC Retirement Savings Fund - Hybrid Debt Plan - Regular Plan


Hybrid: Conservative Hybrid

1 Lakh

Investment Grown to
₹ 1.15 Lakh

₹ 10000

Monthly SIP Grown to
₹ 3.88 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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(₹)
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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 2.12 0.36 0.86 2.64 5.56 1.65 5.00 4.79 -- -- --
VR MIP TRI -0.09 -0.04 0.75 2.53 7.50 -0.44 3.22 6.29 -- -- --
Hybrid: Conservative Hybrid -0.26 0.07 0.86 2.80 6.31 -0.70 2.77 3.56 -- -- --
Rank within category 15 3 19 23 28 16 17 16 -- -- --
Number of funds in category 38 38 38 38 38 38 37 35 32 30 27

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 Debt Plan - Regular Plan  | Invest Online
3 star
Feb-16 5.00 4.79 -- 2.14 82
ICICI Prudential Regular Savings Fund  | Invest Now
5 star
Mar-04 7.10 6.60 8.70 1.95 1,544
HDFC Hybrid Debt Fund  | Invest Online
2 star
Dec-03 2.00 2.86 6.32 1.86 2,344
UTI Regular Savings Fund - Regular Plan  | Invest Online
2 star
Dec-03 0.18 2.71 5.55 1.78 1,673
Aditya Birla Sun Life Regular Savings Fund  | Invest Online
2 star
May-04 -1.06 1.23 5.75 1.97 1,198

Best & Worst Performance

Best (Period) Worst (Period)
Week 2.36 (24-Mar-2020 - 31-Mar-2020) -3.89 (11-Mar-2020 - 18-Mar-2020)
Month 4.09 (24-Mar-2020 - 23-Apr-2020) -7.88 (20-Feb-2020 - 23-Mar-2020)
Quarter 6.24 (23-Mar-2020 - 22-Jun-2020) -5.43 (23-Dec-2019 - 23-Mar-2020)
Year 15.24 (26-Feb-2016 - 27-Feb-2017) -1.83 (26-Oct-2017 - 26-Oct-2018)

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Fund 4.63 4.69 -0.14 -0.17 0.62 -1.14
VR MIP TRI 6.06 6.50 0.12 0.13 -- --
Hybrid: Conservative Hybrid 3.54 7.02 -0.20 -0.16 0.84 -2.40
Rank within category 16 8 16 17 9 16
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 42
Number of Bonds 13
Average Maturity (yrs) 4.02
Top 10 Holdings (%) 56.26
Portfolio P/B Ratio 1.82
Portfolio P/E Ratio 14.80

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 7.57% GOI 17/06/2033 GOI Securities SOV 0.00 - 10.53 10.16
equal 8.55% L&T Infrastructre Finance 29/11/2022 Non Convertible Debenture AAA 0.00 - 8.34 8.16
equal 8.75% Vedanta 30/06/2022 Non Convertible Debenture AA 0.00 - 9.07 7.60
equal 8.40% IRFC 2029 Debenture AAA 6.73 - 7.90 6.82
equal 6.79% GOI 26/12/2029 GOI Securities SOV 0.00 - 7.38 6.42
equal 8.75% State Bank of India Bonds AA+ 5.59 - 6.73 5.59
equal 8.95% Jamnagar Utilities and Power 26/04/2023 Debenture AAA 3.24 - 3.75 3.25
equal 9.10% Shriram Transport Finance 2021 Debenture AA+ 0.00 - 3.53 3.21
equal 9.25% Reliance Jio Infocomm 16/06/2024 Debenture AAA 2.55 - 2.90 2.57
equal 11.25% Canara Bank 30/03/2050 Debenture A+ 0.00 - 2.61 2.48
equal 9.50% Union Bank of India 31/12/2048 Bonds AA- 2.20 - 2.86 2.39
equal 8.40% Tata Motors 26/05/2021 Debenture AA- 0.00 - 1.77 1.73
equal 9.10% Power Finance Corp. 23/03/2029 Non Convertible Debenture AAA 1.36 - 1.53 1.36

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 ICICI Bank Financial 24.39 1.77 0.93 1.06
equal HDFC Bank Financial 22.27 1.43 0.76 0.89
down Reliance Industries Energy 32.28 0.91 0.58 0.84
down NIIT Technologies Technology 22.41 0.93 0.37 0.62
equal Infosys Technology 20.07 0.75 0.48 0.52
equal Alkyl Amines Chemicals Chemicals 24.56 0.52 0.00 0.52
equal Avanti Feeds FMCG 18.93 1.35 0.29 0.46
equal Voltamp Transformers Engineering 12.49 0.49 0.00 0.40
equal Larsen & Toubro Construction 13.71 0.78 0.35 0.38
equal Timken India Engineering 30.06 0.49 0.25 0.35
equal Chambal Fertilisers & Chem. Chemicals 5.24 0.57 0.00 0.35
equal Redington India Technology 6.94 0.51 0.00 0.32
equal Carborundum Universal Metals 17.84 0.64 0.25 0.31
equal Axis Bank Financial 66.93 0.71 0.25 0.29
equal Bajaj Electricals Cons Durable -- 0.57 0.20 0.27
new JB Chemicals & Pharma Healthcare 20.44 0.26 0.00 0.26
equal Tata Steel Metals 26.19 0.75 0.22 0.26
equal Vesuvius India Construction 21.57 0.63 0.23 0.25
equal SKF India Engineering 30.10 0.47 0.22 0.25
equal Mahindra Holidays & Resorts Services 33.93 0.56 0.19 0.23
equal Blue Star Cons Durable 32.75 0.78 0.23 0.23
equal Oriental Carbon & Chemicals Chemicals 10.70 0.69 0.19 0.23
new Navneet Education FMCG 8.84 0.22 0.00 0.22
equal State Bank of India Financial 8.83 0.60 0.19 0.21
equal HPCL Energy 12.14 0.75 0.19 0.20

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:


0.36%

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

Growth: ₹ 14.0228


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: 26-Feb-2016
Return Since Launch: 8.04%
Benchmark: NIFTY 50 Hybrid Composite Debt 15:85
Riskometer: Moderately High
Type: Open-ended
Assets: ₹ 82 Cr (As on 30-Jun-2020)
Expense: 2.14% (As on 31-May-2020)
Risk Grade: Average
Return Grade: Average
Turnover: --

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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