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Aditya Birla Sun Life Retirement Fund - The 30s Plan - Regular Plan


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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.

This is a multi cap fund where the fund management team has complete freedom to invest in companies of different sizes, depending upon where it expects maximum gains. This versatility makes multi cap funds most suitable for equity fund investors as the job of stock selection is completely left to the fund manager, which is the very idea of investing in a mutual fund.

Like all equity funds, 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 multi cap 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 2.26 -0.12 -1.90 1.00 2.87 13.83 -- -- -- -- --
S&P BSE 500 TRI 0.88 -0.13 -0.59 -0.73 2.23 11.54 -- -- -- -- --
Equity: Multi Cap 2.71 0.03 -0.25 0.98 3.78 13.96 -- -- -- -- --
Rank within category 35 45 60 29 39 30 -- -- -- -- --
Number of funds in category 60 60 60 60 59 57 51 41 39 33 29

As on 20-Feb-2020

Best & Worst Performance

Best (Period) Worst (Period)
Week 6.19 (19-Sep-2019 - 26-Sep-2019) -3.68 (03-Jul-2019 - 10-Jul-2019)
Month 9.70 (23-Aug-2019 - 23-Sep-2019) -7.90 (02-Jul-2019 - 01-Aug-2019)
Quarter 13.23 (22-Aug-2019 - 21-Nov-2019) -10.28 (04-Jun-2019 - 03-Sep-2019)
Year -- ( - ) -- ( - )

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Fund -- -- -- -- -- --
S&P BSE 500 TRI* 11.88 12.82 0.48 0.72 -- --
Equity: Multi Cap* 10.89 13.09 0.40 0.57 0.94 -0.62
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-Jan-2020

Asset Allocation (%)

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Concentration & Valuation

Number of Stocks 42
Top 10 Stocks (%) 57.39
Top 5 Stocks (%) 36.49
Top 3 Sectors (%) 53.76
Portfolio P/B Ratio 3.26
Portfolio P/E Ratio 33.00

Portfolio Aggregates

Fund Category
Average Mkt Cap (Rs Cr) 56,219 94,528
Giant (%) 37.00 52.45
Large (%) 8.35 14.99
Mid (%) 42.96 24.99
Small (%) 11.69 9.29
Tiny (%) -- 0.39

Value Research Fund Style

Sector Allocation vis-à-vis Category

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Top Holdings

Company Sector P/E 3Y High 3Y Low % Assets
up Reliance Industries Energy 21.71 9.02 7.42 8.22
up HDFC Financial 18.80 8.18 4.73 8.18
equal Honeywell Automation Engineering 66.64 9.00 6.33 7.58
up Pfizer Healthcare 37.11 7.09 4.96 6.83
up Glaxosmithkline Pharma Healthcare 288.79 5.68 3.69 5.68
equal Gillette FMCG 72.38 7.38 5.24 5.24
up Bayer CropScience Healthcare 66.68 5.30 4.16 4.97
up Larsen & Toubro Construction 18.40 4.32 3.71 3.97
equal Kotak Mahindra Bank Financial 36.96 4.60 3.37 3.79
up Johnson Controls - Hitachi Air Conditioning India Cons Durable 67.85 2.93 2.03 2.93
equal Shree Cement Construction 65.69 2.73 1.46 2.73
equal Kansai Nerolac Paints Chemicals 50.29 2.86 1.28 2.62
equal HDFC Bank Financial 25.38 2.95 1.73 2.57
equal IDFC First Bank Financial -- 3.22 2.25 2.41
up Quess Corp Financial 30.68 2.19 0.00 2.19
equal Biocon Healthcare 45.08 2.05 1.46 1.96
up Sundaram-Clayton Automobile 9.98 2.79 1.80 1.94
equal Shopper's Stop Services -- 2.95 1.76 1.91
equal Tata Consultancy Services Technology 24.96 2.06 0.94 1.90
equal ICICI Bank Financial 37.30 1.87 1.17 1.61
equal Bata India FMCG 61.12 1.62 1.23 1.47
equal MRF Automobile 28.92 1.53 0.94 1.31
up ICRA Financial 33.88 1.38 0.74 1.28
equal Axis Bank Financial 43.84 1.29 0.95 1.12
up Thomas Cook (India) Services 40.05 4.53 1.02 1.10

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-Jan-2020

Fund Manager

— Ajay Garg since 19-Feb-2019

Education: Mr. Garg is B.E (Electronics) and MBA (Finance).

Experience: Prior to joining Birla Sun Life AMC in 2003 he has worked with Birla Sun Life Securities Ltd.

Funds Managed:

— Pranay Sinha since 19-Feb-2019

Education: Mr. Sinha has done B.Tech in Aerospace Engg. from IIT Kharagpur and PGDM with Major in Finance from IIM Calcutta.

Experience: Prior to joining BSLAMC , he has worked with BNP Paribas Bank (October 2010 - August,2014) , Morgan Stanley Investment Management Pvt. Ltd. (March 2008 - October 2010) and ICICI Prudential Asset Management Co. Ltd. ( October 2005 - March 2008).

Funds Managed:


-0.12%

Change from previous, NAV as on 20-Feb-2020

Growth: ₹ 10.5630

Dividend: ₹ 10.5630


Investment Strategy

The Scheme seeks to invest primarily in a well-diversified portfolio of equity and equity related securities.

Investment Details

Minimum Investment (₹) 1,000
Minimum Addl Investment (₹) 1,000
Minimum SIP Investment (₹) 500
Minimum No of Cheques 6
Minimum Withdrawal (₹) --
Minimum Balance (₹) 500
Exit Load 0

Basic Details

Fund House: Aditya Birla Sun Life Mutual Fund
Launch Date: 11-Mar-2019
Return Since Launch: 5.63%
Benchmark: S&P BSE 200 TRI
Riskometer: Moderately High
Type: Open-ended
Assets: ₹ 129 Cr (As on 31-Jan-2020)
Expense: 2.65% (As on 31-Jan-2020)
Risk Grade: --
Return Grade: --
Turnover: 2.00%

Contact Information

AMC: Aditya Birla Sun Life AMC Ltd.

Address: One India Bulls Center - Tower 1, 17th Floor - Jupiter Mills Compound, 841 Senapati Bhawan, Elphinstone Road, Mumbai - 400013

Phone: 022-43568000 / 1800-270-7000 / 1800-22-7000

Fax: 022-43568110

Website: mutualfund.adityabirlacapital.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

Upcoming Video

Investors' Hangout

Time to bet big on mid- and small-cap funds?

dateFriday, 28-Feb-2020
time12:30 PM - 01:00 PM