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Aditya Birla Sun Life Retirement Fund - The 40s Plan - Regular Plan download report


1 Lakh

Investment Grown to
₹ 1.21 Lakh

₹ 10000

Monthly SIP Grown to
₹ 3.84 Lakh

Suitability:

When you invest for five years or more, you can expect gains that comfortably beat the inflation rate as well as returns from fixed income options. But be prepared for ups and downs in your investment value along the way.

Aggressive hybrid funds invest 65-80 per cent of your money in equity shares and the rest in bonds. Their returns are slightly lower than those of 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 sharp ups and downs.

Like for 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 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
Aditya Birla SL Retirement Fund - The 40s Plan Reg-G -9.98 -0.03 -2.93 -7.92 -8.08 -13.48 -2.24 6.48 -- -- --
VR Balanced TRI -7.60 -1.84 -4.47 -8.54 -7.76 -10.90 7.89 11.99 -- -- --
Hybrid: Aggressive Hybrid -9.11 -0.06 -3.11 -8.41 -8.24 -11.40 6.65 11.66 -- -- --
Rank within category 31 20 21 15 22 41 46 41 -- -- --
Number of funds in category 47 47 47 47 47 47 47 41 31 24 22

As on 13-May-2022

Peer Comparison

Fund name Rating Launch Date 1-Year Return 3-Year Return 5-Year Return Expense Ratio Assets (Cr)
Aditya Birla Sun Life Retirement Fund - The 40s Plan - Regular Plan  | Invest Online
1 star
Mar-19 -2.24 6.48 -- 2.10% 92
SBI Equity Hybrid Fund  | Invest Online
4 star
Dec-95 8.58 13.24 11.21 1.52% 50,933
ICICI Prudential Equity & Debt Fund  | Invest Now
5 star
Nov-99 18.68 18.12 12.97 1.87% 19,331
Canara Robeco Equity Hybrid Fund - Regular Plan  | Invest Online
5 star
Feb-93 5.39 13.36 10.39 1.86% 7,662
DSP Equity & Bond Fund  | Invest Online
4 star
May-99 1.24 12.53 8.64 1.85% 7,318

Best & Worst Performance

Best Performance Worst Performance
Return (%) Period Return (%) Period
Week 8.82 24-Mar-2020 - 31-Mar-2020 -14.58 16-Mar-2020 - 23-Mar-2020
Month 15.75 23-Mar-2020 - 22-Apr-2020 -26.35 20-Feb-2020 - 23-Mar-2020
Quarter 25.68 23-Mar-2020 - 22-Jun-2020 -24.82 23-Dec-2019 - 23-Mar-2020
Year 56.40 23-Mar-2020 - 23-Mar-2021 -22.09 22-Mar-2019 - 23-Mar-2020

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Aditya Birla SL Retirement Fund - The 40s Plan Reg-G 8.39 14.65 0.33 0.39 0.77 -3.33
VR Balanced TRI 14.19 17.86 0.60 0.69 -- --
Hybrid: Aggressive Hybrid 13.55 16.72 0.60 0.63 0.89 0.57
Rank within category 42 4 41 41 2 41
Number of funds in category 42 42 42 42 42 42

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

As on 30-Apr-2022

Asset Allocation (%)

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Concentration & Valuation

Number of Stocks 39
Top 10 Holdings (%) 41.60
Top 5 Holdings (%) 26.19
Top 3 Sectors (%) 42.04
Portfolio P/B Ratio 3.85
Portfolio P/E Ratio 29.16
Avg Credit Rating AAA

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 7.52% REC 2026 Bonds AAA 4.42 - 4.84 4.48
equal 8.21% Tamilnadu State 24/06/2025 State Development Loan SOV 2.27 - 2.48 2.29
equal 8.15% REC 2022 Non Convertible Debenture AAA 2.14 - 2.36 2.19
equal 8.55% HDFC 27/03/2029 Debenture AAA 1.14 - 1.25 1.16
equal 8.02% Bharat Petroleum Corporation 2024 Debenture AAA 1.10 - 1.20 1.12
equal 7.37% GOI 16/04/2023 GOI Securities SOV 1.09 - 1.20 1.11
equal 7.20% Karnataka State 25/01/2027 State Development Loan SOV 0.00 - 0.58 0.55
equal Others CBLO -- - 7.28

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 19.06 6.61 1.14 6.32
equal Infosys Technology 28.51 6.67 0.39 5.59
up Reliance Industries Energy 27.54 7.61 0.00 5.50
equal HDFC Bank Financial 19.08 4.47 1.52 4.29
equal HDFC Financial 17.45 7.94 4.03 4.21
equal Larsen & Toubro Construction 25.37 4.03 2.08 3.53
equal Ultratech Cement Materials 23.79 2.92 0.00 2.72
equal Honeywell Automation Capital Goods 86.03 7.65 2.42 2.49
equal State Bank of India Financial 11.49 2.62 0.00 2.46
equal Axis Bank Financial 14.08 2.55 0.17 2.44
equal Fortis Healthcare Healthcare 34.56 2.56 0.00 2.35
equal Sun Pharmaceutical Industries Healthcare 33.06 2.09 0.08 2.09
equal Crompton Greaves Consumer Electricals Consumer Discretionary 34.54 2.35 0.00 2.07
equal Glaxosmithkline Pharma Healthcare 52.12 4.20 2.05 2.05
equal Sundaram-Clayton Automobile 16.07 2.13 0.95 1.83
equal Shoppers Stop Ltd. Services -- 2.21 0.53 1.80
equal Pfizer Healthcare 33.26 7.47 1.58 1.62
equal Tata Consultancy Services Technology 32.64 1.77 0.69 1.62
equal Bayer CropScience Chemicals 36.68 6.10 1.60 1.60
equal Tata Motors Automobile -- 1.54 0.00 1.54
equal P&G Hygiene & Health Care Consumer Staples 74.41 1.76 0.61 1.52
equal Johnson Controls - Hitachi Air Conditioning India Consumer Discretionary 107.93 2.58 1.27 1.44
equal HCL Technologies Technology 21.24 1.47 0.00 1.39
equal Quess Corp Financial 89.97 1.70 0.00 1.36
equal Biocon Healthcare 59.56 2.22 1.04 1.34

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-Apr-2022

Fund Manager

— Dhaval Shah since 28-Dec-2021

Education: Mr.Shah has done B.Com. from University of Mumbai & MBA from Somaiya Institute of Management Studies & Research. He also holds CFA designation.

Experience: Prior to joining Aditya Birla Sunlife Mutual Fund he has worked with HDFC Mutual Fund, Reliance Mutual Fund, Morgan Stanley.

Funds Managed:


-0.03%

Change from previous, NAV as on 13-May-2022

Growth: ₹ 11.8150

IDCW: ₹ 11.8150


Investment Strategy

The Scheme seeks to invests predominantly in equity and equity related instruments with marginal allocation to debt and money market instruments.

Investment Details

Min. Investment (₹) 1,000
Min. Addl Investment (₹) 1,000
Min. SIP Investment (₹) 500
Min. No of Cheques 6
Min. Withdrawal (₹) 1
Min. Balance (₹) 500
Lock-in Period 5 Years
Exit Load 0

Basic Details

Fund House: Aditya Birla Sun Life Mutual Fund
Launch Date: 11-Mar-2019
Return Since Launch: 5.39%
Benchmark: CRISIL Hybrid 35+65 Aggressive Index
Riskometer: Very High
Type: Open-ended
Assets: ₹ 92 Cr (As on 30-Apr-2022)
Expense: 2.10% (As on 31-Mar-2022)
Risk Grade: Average
Return Grade: Low
Turnover: 42.00%

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

Fax: 022-43568110

Website: http://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

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