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Aditya Birla Sun Life Retirement Fund - The 50s Plan - Regular Plan download report


1 Lakh

Investment Grown to
₹ 1.10 Lakh

₹ 10000

Monthly SIP Grown to
₹ 3.61 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
Aditya Birla SL Retirement Fund - The 50s Plan Reg-G -4.13 -0.05 -0.64 -3.19 -3.67 -3.97 -2.34 3.11 -- -- --
VR MIP TRI* -3.84 -0.12 -1.23 -3.92 -3.92 -5.35 4.18 7.99 -- -- --
Hybrid: Conservative Hybrid* -2.22 -0.06 -0.69 -2.71 -2.29 -2.72 4.77 6.79 -- -- --
Rank within category* 28 11 18 26 27 22 34 29 -- -- --
Number of funds in category* 35 36 36 36 35 35 34 31 29 28 26

As on 13-May-2022

* As on 16-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 50s Plan - Regular Plan  | Invest Online
2 star
Mar-19 -2.34 3.11 -- 1.74% 28
SBI Conservative Hybrid Fund  | Invest Online
4 star
Mar-01 7.58 10.43 7.30 1.10% 5,976
ICICI Prudential Regular Savings Fund  | Invest Now
5 star
Mar-04 6.17 8.85 8.06 1.83% 3,285
HDFC Hybrid Debt Fund  | Invest Online
4 star
Dec-03 5.88 9.07 6.63 1.82% 2,711
Aditya Birla Sun Life Regular Savings Fund  | Invest Online
4 star
May-04 7.25 8.89 6.21 2.09% 1,727

Best & Worst Performance

Best Performance Worst Performance
Return (%) Period Return (%) Period
Week 1.98 24-Mar-2020 - 31-Mar-2020 -2.18 02-May-2022 - 10-May-2022
Month 3.47 24-Mar-2020 - 23-Apr-2020 -3.64 06-Apr-2022 - 06-May-2022
Quarter 5.06 09-Apr-2020 - 10-Jul-2020 -3.86 10-Feb-2022 - 12-May-2022
Year 8.62 16-Dec-2019 - 15-Dec-2020 -2.34 12-May-2021 - 13-May-2022

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Aditya Birla SL Retirement Fund - The 50s Plan Reg-G 4.09 2.20 0.26 0.36 0.08 0.18
VR MIP TRI 8.58 6.80 0.74 0.90 -- --
Hybrid: Conservative Hybrid 7.31 6.33 0.67 0.73 0.66 0.44
Rank within category 29 1 28 27 2 19
Number of funds in category 31 31 31 31 31 31

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 33
Number of Bonds 10
Average Maturity (yrs) 4.20
Top 10 Holdings (%) 58.75
Portfolio P/B Ratio 3.74
Portfolio P/E Ratio 28.54

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 7.27% GOI 2026 GOI Securities SOV 17.80 - 34.89 18.31
equal 7.20% Karnataka State 25/01/2027 State Development Loan SOV 0.00 - 9.03 9.03
equal 8.55% HDFC 27/03/2029 Debenture AAA 6.57 - 7.62 7.62
equal 8.21% Tamilnadu State 24/06/2025 State Development Loan SOV 4.91 - 5.64 5.64
down 8.02% Bharat Petroleum Corporation 2024 Debenture AAA 3.69 - 7.21 3.69
equal 7.37% GOI 16/04/2023 GOI Securities SOV 3.16 - 3.66 3.66
equal 8.15% REC 2022 Non Convertible Debenture AAA 3.11 - 3.60 3.60
equal 6.57% GOI 2033 GOI Securities SOV 3.00 - 3.39 3.39
equal 8.58% Gujarat State 23/01/2023 State Development Loan SOV 0.00 - 1.21 1.21
equal Others CBLO -- - 17.90

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 19.67 1.98 0.00 1.96
equal HDFC Bank Financial 19.17 1.91 0.00 1.86
equal Infosys Technology 28.90 2.13 0.00 1.81
equal Reliance Industries Energy 28.21 1.63 0.00 1.63
equal HDFC Financial 17.58 1.37 0.00 1.28
equal Ultratech Cement Materials 24.01 0.90 0.00 0.90
equal Larsen & Toubro Construction 26.00 0.96 0.00 0.90
equal Bharti Airtel Communication -- 0.79 0.00 0.79
equal Axis Bank Financial 14.24 0.80 0.00 0.79
equal State Bank of India Financial 11.79 0.81 0.00 0.79
equal Sun Pharmaceutical Industries Healthcare 33.21 0.73 0.00 0.71
equal Biocon Healthcare 61.41 0.61 0.00 0.61
equal Hindustan Unilever Consumer Staples 59.41 0.58 0.00 0.58
equal Craftsman Automation Automobile 29.80 0.58 0.00 0.57
equal Zydus Wellness Consumer Staples 835.49 0.57 0.00 0.57
equal Metropolis Healthcare Healthcare 42.03 0.57 0.00 0.57
equal HDFC Life Insurance Insurance 88.36 0.56 0.00 0.56
equal Bata India Consumer Discretionary 326.25 0.55 0.00 0.54
equal Fortis Healthcare Healthcare 34.28 0.57 0.00 0.54
equal V-Guard Industries Consumer Discretionary 45.32 0.54 0.00 0.54
equal Ashok Leyland Automobile -- 0.54 0.00 0.54
equal Polycab India Capital Goods 42.98 0.53 0.00 0.53
equal United Breweries Consumer Staples 107.55 0.52 0.00 0.52
equal Hindalco Inds. Metals & Mining 8.16 0.59 0.00 0.52
equal SBI Cards & Payments Services Financial 42.86 0.51 0.00 0.51

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:


-0.05%

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

Growth: ₹ 11.0455

IDCW: ₹ 11.0445


Investment Strategy

The Scheme seeks to invests predominantly in debt and money market instruments with marginal allocation to equity and equity related 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: 3.18%
Benchmark: CRISIL Short Term Debt Hybrid 75+25 Index
Riskometer: Moderately High
Type: Open-ended
Assets: ₹ 28 Cr (As on 30-Apr-2022)
Expense: 1.74% (As on 31-Mar-2022)
Risk Grade: Low
Return Grade: Low
Turnover: 38.00%

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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