HDFC Retirement Savings Fund - Hybrid Debt Plan - Regular Plan

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Value Research Rating

4 star

Analyst’s Choice

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Riskometer

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Moderately High

₹20.4976 -0.10%

As on 23-Jul-2024

Returns

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Calculate SIP Returns of HDFC Retirement Savings Fund - Hybrid Debt Plan - Regular Plan

Upfront Investment

Monthly SIP Amount

Investment Duration

years

Risk info

This fund has Moderately High risk.

Low
Low to Moderate
Moderate
Moderately High
High
Very High

As per SEBI's Riskometer.

Portfolio of HDFC Retirement Savings Fund - Hybrid Debt Plan - Regular Plan

Asset Allocation

Split between different types of investments

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Market Cap Weightage

Split between categories of Equity investments

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Peer Comparison

Other details of HDFC Retirement Savings Fund - Hybrid Debt Plan - Regular Plan

Assets info

₹159 Cr

Exit Load (Days) info

--

Min. Investment (₹)

100

Min. Withdrawal (₹)

100

Min. SIP Investment (₹)

100

Min. No of Cheques

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

"Conservative hybrid funds invest roughly a quarter of your money in equity shares and the rest in bonds. These funds are suitable for those who cannot withstand too much volatility in the value of their investments and are content with moderate returns which are slightly higher than returns from fixed income options.

They may also suit those looking for a regular income from their accumulation. The debt portion of these funds provides a moderate, but steady stream of income. The small equity allocation though adds a bit of volatility, but helps boost returns to keep up with the rate of inflation over the long term.

Invest only if your investment horizon is three years or more. To derive dependable income with some degree of inflation protection, 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 per cent of the value of your investment every year."

Capital Gains Taxation

  • If investment is made on or after 1 April 2023: Entire amount of gain is added to the investors' income and taxed according to the applicable slab rate.
  • If investment is made before 1 April 2023:
    • Sold within 3 years from the date of investment: Gains are added to the investors' income and taxed according to the applicable slab rate.
    • Sold after 3 years from the date of investment: Gains are taxed at the rate of 20% after providing the benefit of inflation indexation.
  • No tax is to be paid as long as you continue to hold the units.

Dividend Taxation

  • Dividends are added to the income of the investors and taxed according to their respective tax slabs. Further, if an investor's dividend income exceeds Rs 5,000 in a financial year, the fund house also deducts a TDS of 10% before distributing the dividend.

Latest news on HDFC Retirement Savings Fund - Hybrid Debt Plan - Regular Plan

FAQ for HDFC Retirement Savings Fund - Hybrid Debt Plan - Regular Plan

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.

Mutual funds can be bought directly from the website of the fund house. For instance, HDFC Retirement Savings Fund - Hybrid Debt Plan - Regular 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 - Hybrid Debt Plan - Regular Plan is ₹20.4976 as of 24-Jul-2024.

The AUM of HDFC Retirement Savings Fund - Hybrid Debt Plan - Regular Plan Fund is ₹159 Cr as of 30-Jun-2024

The riskometer level of HDFC Retirement Savings Fund - Hybrid Debt Plan - Regular Plan is Moderately High. See More

Company Percentage of Portfolio

GOI Sec 6.67 17/12/2050

8.97

Mahindra Rural Housing Finance Ltd SR AA NCD 8.35 24/09/2032

6.30

TMF Holdings Ltd SR E NCD 7.7505

6.20

GOI Sec 6.19 16/09/2034

5.88

GOI Sec 7.57 17/06/2033

4.86
See More

As of 30-Jun-2024, HDFC Retirement Savings Fund - Hybrid Debt Plan - Regular Plan had invested 46.2% in Debt, 28.88% in Cash & Cash Eq. and 24.92% in Equity See More

HDFC Retirement Savings Fund - Hybrid Debt Plan - Regular Plan is 8 years 5 months old. It has delivered 8.91% returns since inception. See More

1Y
3Y
5Y
7Y
10Y
Since Inception
12.14%
8.47%
8.97%
7.57%
--
8.91%

Yes, There is lock in period in HDFC Retirement Savings Fund - Hybrid Debt Plan - Regular Plan.

The expense ratio of HDFC Retirement Savings Fund - Hybrid Debt Plan - Regular Plan is 2.14.

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