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Unrated

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


Hybrid: Aggressive Hybrid

1 Lakh

Investment Grown to
₹ 1.02 Lakh

₹ 10000

Monthly SIP Grown to
₹ 1.23 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 -2.69 0.58 0.39 5.40 12.78 -3.08 2.27 -- -- -- --
VR Balanced TRI -8.10 0.88 2.15 6.47 15.84 -8.44 -3.22 -- -- -- --
Hybrid: Aggressive Hybrid -6.77 0.59 2.22 5.78 12.84 -7.28 -2.77 -- -- -- --
Rank within category 5 26 43 22 15 5 7 -- -- -- --
Number of funds in category 43 43 43 43 43 43 40 32 24 23 21

As on 09-Jul-2020

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
Unrated
Mar-19 2.27 -- -- 2.44 76
SBI Equity Hybrid Fund  | Invest Online
5 star
Dec-95 -0.04 5.88 7.39 1.74 30,192
ICICI Prudential Equity & Debt Fund  | Invest Now
4 star
Nov-99 -6.22 2.03 6.55 1.75 17,423
DSP Equity & Bond Fund  | Invest Online
4 star
May-99 3.38 4.35 7.40 1.89 5,406
Mirae Asset Hybrid Equity Fund - Regular Plan  | Invest Online
4 star
Jul-15 -0.67 5.47 -- 1.91 3,274

Best & Worst Performance

Best (Period) Worst (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 -0.06 (24-Jun-2019 - 23-Jun-2020) -22.09 (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 40
Top 10 Holdings (%) 48.87
Top 5 Holdings (%) 30.52
Top 3 Sectors (%) 41.47
Portfolio P/B Ratio 2.84
Portfolio P/E Ratio 28.78

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 0.00 - 5.95 5.30
equal 8.15% REC 2022 Non Convertible Debenture AAA 0.00 - 3.06 2.72
equal 8.55% HDFC 27/03/2029 Debenture AAA 1.33 - 1.78 1.44
equal 7.37% GOI 16/04/2023 GOI Securities SOV 1.31 - 1.78 1.42
equal 8.02% BPCL 2024 Debenture AAA 1.31 - 1.78 1.41
equal 6.57% GOI 2033 GOI Securities SOV 1.22 - 1.68 1.36
equal 8.15% REC 18/01/2021 Bonds/Debentures AAA 1.29 - 1.74 1.35
equal 8.39% State Bank of India 25/10/2024 Bonds/Debentures AA+ 1.27 - 1.72 1.33

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
up Reliance Industries Energy 31.35 7.14 5.65 7.06
up Pfizer Healthcare 37.04 7.47 3.44 6.13
equal Honeywell Automation Engineering 52.14 7.14 4.72 6.11
up HDFC Financial 15.72 6.44 3.83 5.66
equal Bayer CropScience Healthcare 54.87 5.55 3.06 5.55
up Glaxosmithkline Pharma Healthcare 268.06 4.20 2.66 4.14
equal Gillette FMCG 71.86 5.49 3.44 3.44
equal Kotak Mahindra Bank Financial 31.51 3.63 2.51 2.76
up Johnson Controls - Hitachi Air Conditioning India Cons Durable 73.42 2.58 1.58 2.51
up Shree Cement Construction 53.56 2.24 1.04 2.24
equal Biocon Healthcare 65.13 2.20 1.04 2.16
equal Larsen & Toubro Construction 13.89 3.28 2.08 2.15
equal HDFC Bank Financial 22.68 2.22 1.29 2.07
up Kansai Nerolac Paints Chemicals 45.04 2.16 1.01 1.86
equal Tata Consultancy Services Technology 25.58 1.58 0.69 1.45
up ICICI Bank Financial 25.08 1.60 0.95 1.43
up Hindustan Unilever FMCG 75.69 1.41 0.59 1.41
equal MRF Automobile 19.48 1.41 0.76 1.28
up Fortis Healthcare (India) Healthcare 160.01 1.10 0.00 1.10
equal IDFC First Bank Financial -- 2.22 1.05 1.05
equal P&G Hygiene & Health Care FMCG 81.16 1.08 0.57 0.99
up ICRA Financial 27.69 1.05 0.57 0.98
equal Sundaram-Clayton Automobile 10.05 2.08 0.95 0.95
equal Bata India FMCG 50.31 1.29 0.87 0.87
equal Quess Corp Financial -- 1.64 0.00 0.60

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

— 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:


0.58%

Change from previous, NAV as on 09-Jul-2020

Growth: ₹ 10.0710

Dividend: ₹ 10.0710


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

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: 0.53%
Benchmark: CRISIL Hybrid 35+65 Aggressive
Riskometer: Moderately High
Type: Open-ended
Assets: ₹ 76 Cr (As on 31-May-2020)
Expense: 2.44% (As on 31-May-2020)
Risk Grade: --
Return Grade: --
Turnover: 4.00%

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: 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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