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Unrated

ICICI Prudential Retirement Fund - Hybrid Conservative Plan - Direct Plan


Hybrid: Conservative Hybrid

1 Lakh

Investment Grown to
₹ 1.10 Lakh

₹ 10000

Monthly SIP Grown to
₹ 1.28 Lakh

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.

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 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.

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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 6.33 0.35 0.46 2.02 8.29 4.37 10.42 -- -- -- --
VR MIP TRI 1.58 0.11 1.04 1.67 7.58 1.09 5.55 -- -- -- --
Hybrid: Conservative Hybrid 1.93 0.28 0.93 1.60 7.92 0.34 5.87 -- -- -- --
Rank within category 5 11 33 6 12 5 8 -- -- -- --
Number of funds in category 39 39 39 39 39 39 38 36 33 29 0

As on 10-Aug-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 Conservative Plan - Direct Plan  | Invest Now
Unrated
Feb-19 10.42 -- -- 0.31 56
ICICI Prudential Regular Savings Fund - Direct Plan  | Invest Now
5 star
Jan-13 9.32 7.83 9.43 1.15 1,729
HDFC Hybrid Debt Fund - Direct Plan  | Invest Online
2 star
Jan-13 4.89 4.09 6.77 1.42 2,382
UTI Regular Savings Fund - Direct Plan  | Invest Online
2 star
Jan-13 2.78 3.82 6.37 1.11 1,679
Aditya Birla Sun Life Regular Savings Fund - Direct Plan  | Invest Online
2 star
Jan-13 1.75 2.33 6.73 1.12 1,202

Best & Worst Performance

Best (Period) Worst (Period)
Week 3.34 (24-Mar-2020 - 31-Mar-2020) -5.16 (16-Mar-2020 - 23-Mar-2020)
Month 6.74 (24-Mar-2020 - 23-Apr-2020) -10.04 (20-Feb-2020 - 23-Mar-2020)
Quarter 11.52 (24-Mar-2020 - 23-Jun-2020) -8.20 (23-Dec-2019 - 23-Mar-2020)
Year 10.56 (01-Aug-2019 - 31-Jul-2020) -1.71 (22-Mar-2019 - 23-Mar-2020)

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Fund -- -- -- -- -- --
VR MIP TRI* 6.24 6.56 0.16 0.18 -- --
Hybrid: Conservative Hybrid* 4.68 7.10 0.00 0.07 0.84 -1.40
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 31-Jul-2020

Asset Allocation (%)

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Concentration & Valuation

Number of Stocks 13
Number of Bonds 11
Average Maturity (yrs) * 4.21
Top 10 Holdings (%) 70.58
Portfolio P/B Ratio 2.23
Portfolio P/E Ratio 19.22

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 7.80 - 10.15 10.15
equal 7.57% GOI 17/06/2033 GOI Securities SOV 0.00 - 9.96 9.96
equal 8.75% Axis Bank Bonds/Debentures AA+ 7.27 - 9.12 9.12
equal State Bank of India 2056 Debenture AA+ 6.53 - 8.27 8.27
equal 8.95% Pipeline Infrastructure 22/03/2024 Non Convertible Debenture AAA 5.81 - 7.72 7.72
equal 9.02% LIC Housing Fin. 2020 Debenture AAA 5.84 - 7.37 7.28
equal 11.50% Sterlite Power Grid Ventures 28/03/2022 Non Convertible Debenture A 0.00 - 5.40 5.40
equal Embassy Office Parks REIT 2022 Non Convertible Debenture AAA 3.14 - 4.12 4.12
down 8.80% REC 25/10/2020 Bonds AAA 3.62 - 5.51 3.62
equal 7.90% National Bank Agr. Rur. Devp 18/04/2022 Non Convertible Debenture AAA 0.00 - 3.37 1.89
equal 9.15% ICICI Bank Debenture AA+ 1.53 - 9.07 1.87

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
down Sun Pharmaceutical Inds. Healthcare 180.14 4.58 0.00 4.58
down HCL Technologies Technology 15.78 3.98 0.00 3.98
down Infosys Technology 23.72 3.81 0.00 3.81
equal Bharti Airtel Communication -- 2.96 0.00 2.96
equal State Bank of India Financial 8.06 3.37 0.00 2.53
equal SBI Life Insurance Company Financial 59.59 2.04 0.00 2.04
equal ICICI Bank Financial 23.40 1.95 0.00 1.95
equal Larsen & Toubro Construction 16.11 2.47 0.00 1.48
down HDFC Bank Financial 20.60 3.55 0.00 1.44
equal NTPC Energy 12.96 0.62 0.00 0.59
equal LIC Housing Fin. Financial 5.60 0.84 0.00 0.51
equal Power Grid Corporation Energy 10.85 0.44 0.00 0.44
equal Mahindra & Mahindra Automobile -- 0.11 0.00 0.10

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-Jul-2020

*As on 30-Jun-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:


0.35%

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

Growth: ₹ 11.5661

Dividend: ₹ 11.5659


Investment Strategy

The scheme seeks to generate regular income through investments predominantly in debt and money market instruments. The Scheme also seeks to generate long term capital appreciation from the portion of equity investments under the Scheme.

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: 10.54%
Benchmark: NIFTY 50 Hybrid Composite Debt 15:85
Riskometer: Moderately High
Type: Open-ended
Assets: ₹ 56 Cr (As on 31-Jul-2020)
Expense: 0.31% (As on 30-Jun-2020)
Risk Grade: --
Return Grade: --
Turnover: 6.00%

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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