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Unrated

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


1 Lakh

Investment Grown to
₹ 1.25 Lakh

₹ 10000

Monthly SIP Grown to
₹ 1.35 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
Fund 11.42 -0.90 -0.32 3.57 5.13 9.12 24.55 -- -- -- --
VR Balanced TRI 23.32 -0.22 1.12 5.30 10.95 17.93 45.94 -- -- -- --
Hybrid: Aggressive Hybrid 24.36 -0.96 -0.07 4.55 9.47 18.05 42.52 -- -- -- --
Rank within category 48 22 34 40 49 49 46 -- -- -- --
Number of funds in category 48 49 49 49 49 49 46 39 30 26 24

As on 20-Sep-2021

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 24.55 -- -- 2.48 93
SBI Equity Hybrid Fund  | Invest Online
4 star
Dec-95 41.92 16.44 13.86 1.62 45,748
ICICI Prudential Equity & Debt Fund  | Invest Now
4 star
Nov-99 58.10 16.40 14.24 1.80 17,880
DSP Equity & Bond Fund  | Invest Online
4 star
May-99 44.63 17.60 13.62 1.87 7,516
Canara Robeco Equity Hybrid Fund - Regular Plan  | Invest Online
5 star
Feb-93 39.62 17.57 14.49 1.93 6,493

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
Fund -- -- -- -- -- --
VR Balanced TRI* 14.75 18.44 0.58 0.69 -- --
Hybrid: Aggressive Hybrid* 13.56 17.66 0.54 0.59 0.91 -0.19
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-Aug-2021

Asset Allocation (%)

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Concentration & Valuation

Number of Stocks 40
Top 10 Holdings (%) 46.81
Top 5 Holdings (%) 28.07
Top 3 Sectors (%) 40.59
Portfolio P/B Ratio 4.59
Portfolio P/E Ratio 37.90
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 4.51 - 5.93 4.51
equal 8.21% Tamilnadu State 24/06/2025 State Development Loan SOV 0.00 - 2.48 2.34
equal 8.15% REC 2022 Non Convertible Debenture AAA 2.21 - 2.96 2.21
equal 8.55% HDFC 27/03/2029 Debenture AAA 1.17 - 1.56 1.17
equal 8.02% Bharat Petroleum Corporation 2024 Debenture AAA 1.14 - 1.51 1.14
equal 7.37% GOI 16/04/2023 GOI Securities SOV 1.12 - 1.50 1.12
equal 8.39% State Bank of India Additional Tier 1 Bond AA+ 1.08 - 1.43 1.08
equal 7.20% Karnataka State 25/01/2027 State Development Loan SOV 0.00 - 0.58 0.56
equal Others CBLO -- - 7.54

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 Financial 24.59 7.94 3.83 6.78
equal Pfizer Healthcare 46.01 7.47 3.44 5.88
equal Honeywell Automation Engineering 82.85 7.65 4.72 5.47
down Reliance Industries Ltd - Partly Paid Equity Energy -- 5.42
equal Kotak Mahindra Bank Financial 39.91 5.47 2.51 4.36
equal Bayer CropScience Chemicals 48.67 6.10 3.06 4.03
equal Larsen & Toubro Construction 19.22 3.88 2.08 3.88
equal ICICI Bank Financial 24.60 3.50 0.95 3.50
equal Glaxosmithkline Pharma Healthcare 69.63 4.20 2.66 2.97
equal Gillette FMCG 62.36 5.49 2.82 2.90
equal Fortis Healthcare Healthcare -- 2.50 0.00 2.50
equal HDFC Bank Financial 26.30 2.54 1.29 2.27
equal Kansai Nerolac Paints Chemicals 54.24 2.54 1.01 2.21
equal Shree Cement Construction 41.96 2.32 1.04 2.14
equal Sundaram-Clayton Automobile 14.51 2.08 0.95 1.73
equal Tata Consultancy Services Technology 41.08 1.77 0.69 1.72
equal Quess Corp Financial 196.40 1.69 0.00 1.60
equal P&G Hygiene & Health Care FMCG 69.00 1.76 0.57 1.48
equal Johnson Controls - Hitachi Air Conditioning India Consumer Durable 133.04 2.58 1.44 1.44
equal IDFC First Bank Financial -- 2.22 1.05 1.43
equal Biocon Healthcare 64.07 2.22 1.04 1.28
equal Container Corporation Of India Services 61.34 1.32 0.04 1.22
equal Bata India FMCG -- 1.29 0.69 1.02
up MRF Automobile 23.41 1.41 0.76 0.97
equal Hindustan Unilever FMCG 80.24 1.42 0.59 0.89

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-Aug-2021

Fund Manager


-0.90%

Change from previous, NAV as on 20-Sep-2021

Growth: ₹ 13.2030

IDCW: ₹ 13.2030


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 (₹) 1
Minimum 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: 11.60%
Benchmark: CRISIL Hybrid 35+65 Aggressive Index
Riskometer: Very High
Type: Open-ended
Assets: ₹ 93 Cr (As on 31-Aug-2021)
Expense: 2.48% (As on 31-Aug-2021)
Risk Grade: --
Return Grade: --
Turnover: 9.00%

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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