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Unrated

ICICI Prudential Retirement Fund - Hybrid Aggressive Plan


Hybrid: Aggressive Hybrid

1 Lakh

Investment declined to
₹ 0.94 Lakh

₹ 10000

Monthly SIP Grown to
₹ 1.20 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 -8.21 -0.61 2.53 2.75 14.61 -7.60 -6.17 -- -- -- --
VR Balanced TRI -8.91 -0.69 2.26 4.53 18.58 -8.02 -4.08 -- -- -- --
Hybrid: Aggressive Hybrid -7.32 -0.52 2.33 4.24 15.38 -6.78 -3.23 -- -- -- --
Rank within category 25 30 3 37 22 24 29 -- -- -- --
Number of funds in category 43 43 43 43 43 43 40 32 24 23 21

As on 08-Jul-2020

Peer Comparison

Fund name Rating Launch Date 1-Year Return 3-Year Return 5-Year Return Expense Ratio Assets (Cr)
ICICI Prudential Retirement Fund - Hybrid Aggressive Plan  | Invest Now
Unrated
Feb-19 -6.17 -- -- 2.32 72
SBI Equity Hybrid Fund  | Invest Online
5 star
Dec-95 -0.41 5.68 7.24 1.74 28,583
ICICI Prudential Equity & Debt Fund  | Invest Now
4 star
Nov-99 -6.30 1.83 6.39 1.75 17,423
DSP Equity & Bond Fund  | Invest Online
4 star
May-99 2.74 4.11 7.27 1.89 5,406
Mirae Asset Hybrid Equity Fund - Regular Plan  | Invest Online
4 star
Jul-15 -0.96 5.30 -- 1.91 3,274

Best & Worst Performance

Best (Period) Worst (Period)
Week 7.67 (01-Apr-2020 - 09-Apr-2020) -13.68 (16-Mar-2020 - 23-Mar-2020)
Month 13.38 (23-Mar-2020 - 22-Apr-2020) -28.17 (20-Feb-2020 - 23-Mar-2020)
Quarter 23.05 (24-Mar-2020 - 23-Jun-2020) -27.43 (23-Dec-2019 - 23-Mar-2020)
Year 2.29 (05-Mar-2019 - 04-Mar-2020) -24.80 (22-Mar-2019 - 23-Mar-2020)

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Fund -- -- -- -- -- --
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 -- -- -- -- -- --
Number of funds in category -- -- -- -- -- --

The Risk Measures have been calculated using calendar month returns for the last three years.

As on

* As on 30-Jun-2020

Asset Allocation (%)

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Concentration & Valuation

Number of Stocks 22
Top 10 Holdings (%) 56.90
Top 5 Holdings (%) 35.16
Top 3 Sectors (%) 47.68
Portfolio P/B Ratio 1.65
Portfolio P/E Ratio 14.08

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 8.41% HUDCO 15/03/2029 Debenture AAA 3.82 - 4.99 4.67
equal 9.15% ICICI Bank Debenture AA+ 3.69 - 4.53 4.21
equal 8.75% Axis Bank Bonds/Debentures AA+ 3.63 - 4.53 4.14
equal PVR 2021 Debenture AA 0.00 - 3.11 2.84
equal 8.80% REC 25/10/2020 Bonds AAA 2.44 - 3.09 2.83
equal 8.95% Pipeline Infrastructure 22/03/2024 Non Convertible Debenture AAA 2.41 - 2.99 2.82

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 22.35 9.60 0.00 8.68
equal Infosys Technology 19.88 8.72 0.00 8.47
equal HCL Technologies Technology 14.10 7.14 0.00 7.14
equal Bharti Airtel Communication -- 5.74 0.00 5.74
equal Sun Pharmaceutical Inds. Healthcare 30.84 5.14 0.00 5.14
equal ICICI Bank Financial 24.97 5.68 0.00 4.79
equal Larsen & Toubro Construction 13.84 5.71 0.00 3.94
equal NTPC Energy 13.38 4.33 0.00 3.93
equal Axis Bank Financial 67.64 5.98 0.00 3.44
equal Mahindra & Mahindra Automobile 538.88 3.82 0.00 3.15
equal Wipro Technology 13.11 3.12 0.00 2.46
equal State Bank of India Financial 8.67 7.23 0.00 2.46
equal Tech Mahindra Technology 13.99 5.51 0.00 1.66
equal Bank of Baroda Financial 26.25 2.12 0.00 1.41
new Titan Company Cons Durable 58.62 1.12 0.00 1.12
down Hindustan Aeronautics Services 10.89 1.31 0.00 0.94
equal Grasim Industries Construction 9.04 1.67 0.00 0.91
equal Power Grid Corporation Energy 9.48 3.93 0.00 0.82
equal LIC Housing Fin. Financial 5.92 1.22 0.00 0.73
equal SBI Life Insurance Company Financial 59.85 0.72 0.00 0.72
equal Hindalco Inds. Metals 9.24 0.79 0.00 0.42
equal Cochin Shipyard Services 6.63 0.02 0.00 0.02

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-May-2020

Fund Manager

— Ashwin Jain since 07-Feb-2019

Education: Mr. Jain is a B.E. and PGDM.

Experience: Prior to joining ICICI Prudential Asset Management Co. Ltd. in 2010 he has worked with HCL Technologies, Irevana and Merill Lynch.

Funds Managed:

— Mrinal Singh since 07-Feb-2019

Education: Mr. Singh is B.E (Mechanical) and PGDM from SPJIMR Mumbai.

Experience: He has been associated with ICICI Prudential AMC since June 2008.

Interviews:

Funds Managed:

— Anuj Tagra since 07-Feb-2019

Education: Mr. Anuj Tagra is a graduate of Guru Gobind Singh Indraprastha University and an MBA from Narsee Monjee Institute of Management Studies

Experience: Prior to joining ICICI Prudential AMC he has worked with Union Bank of India and Fidelity Investments.

Funds Managed:

— Manish Banthia since 07-Feb-2019

Education: Mr. Banthia is B.Com, CA and MBA

Experience: He is associated with ICICI Prudential Asset Management Company since Oct 2005, ICICI Prudential AMC - Fixed Income Investments - Aug 2007 to Oct 2009, ICICI Prudential AMC - New Product Development - Oct 2005 to Jul 2007, Aditya Birla Nuvo Ltd. - From May 2005 to Oct 2005, Aditya Birla Management Corporation Ltd. - From May 2004 to May 2005.

Funds Managed:


-0.61%

Change from previous, NAV as on 08-Jul-2020

Growth: ₹ 9.7300

Dividend: ₹ 9.7300


Investment Strategy

The scheme seeks to investing in equity and equity related securities to generate capital appreciation. The scheme may also invest in Debt, Gold/Gold ETF/units of REITs & InvITs and such other asset classes as may be permitted from time to time for income generation / wealth creation.

Investment Details

Minimum Investment (₹) 5,000
Minimum Addl Investment (₹) 1,000
Minimum SIP Investment (₹) 100
Minimum No of Cheques 6
Minimum Withdrawal (₹) 1
Minimum Balance (₹) --
Exit Load 0

Basic Details

Fund House: ICICI Prudential Mutual Fund
Launch Date: 27-Feb-2019
Return Since Launch: -1.99%
Benchmark: CRISIL Hybrid 35+65 Aggressive
Riskometer: Moderately High
Type: Open-ended
Assets: ₹ 72 Cr (As on 31-May-2020)
Expense: 2.32% (As on 31-May-2020)
Risk Grade: --
Return Grade: --
Turnover: 27.00%

Contact Information

AMC: ICICI Prudential Asset Management Company Ltd

Address: One BKC , A Wing , 13th Floor, Bandra Kurla Complex, Mumbai - 400051

Phone: 022-26525000 / 1800-222-999 / 1800-200-6666

Fax: 022-26528100

Email: [email protected]

Website: http://www.icicipruamc.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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