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Unrated

Aditya Birla Sun Life Retirement Fund - The 50s Plan - Direct Plan


1 Lakh

Investment Grown to
₹ 1.05 Lakh

₹ 10000

Monthly SIP Grown to
₹ 1.23 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
Fund 2.66 -0.01 0.11 0.78 1.59 3.68 5.07 -- -- -- --
VR MIP TRI 10.92 0.29 0.74 3.39 5.46 8.85 19.62 -- -- -- --
Hybrid: Conservative Hybrid 9.84 -0.10 0.43 1.96 4.29 8.26 16.98 -- -- -- --
Rank within category 33 7 35 36 36 35 33 -- -- -- --
Number of funds in category 33 36 36 36 36 35 33 30 30 28 0

As on 17-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 50s Plan - Direct Plan  | Invest Online
Unrated
Mar-19 5.07 -- -- 0.66 32
SBI Debt Hybrid Fund - Direct Plan  | Invest Online
4 star
Jan-13 20.63 12.01 9.20 0.60 3,890
ICICI Prudential Regular Savings Fund - Direct Plan  | Invest Now
5 star
Jan-13 15.62 11.35 10.38 0.75 3,339
Kotak Debt Hybrid Fund - Direct Plan  | Invest Online
5 star
Jan-13 21.56 13.83 10.84 0.56 931
Canara Robeco Conservative Hybrid Fund - Direct Plan  | Invest Online
5 star
Jan-13 17.26 13.24 10.31 0.61 817

Best & Worst Performance

Best Performance Worst Performance
Return (%) Period Return (%) Period
Week 2.01 24-Mar-2020 - 31-Mar-2020 -1.79 12-Mar-2020 - 19-Mar-2020
Month 3.59 24-Mar-2020 - 23-Apr-2020 -1.64 20-Feb-2020 - 23-Mar-2020
Quarter 5.44 09-Apr-2020 - 10-Jul-2020 -0.81 15-Dec-2020 - 16-Mar-2021
Year 10.18 16-Dec-2019 - 15-Dec-2020 3.24 10-Jul-2020 - 12-Jul-2021

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Fund -- -- -- -- -- --
VR MIP TRI* 9.70 7.04 0.80 0.99 -- --
Hybrid: Conservative Hybrid* 8.40 6.50 0.79 0.91 0.70 0.43
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 0
Number of Bonds 13
Average Maturity (yrs) 4.35
Top 10 Holdings (%) 85.77
Portfolio P/B Ratio * --
Portfolio P/E Ratio * --

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 30.27 - 33.36 33.36
equal 4.79% Hindustan Petroleum Corporation 23/10/2023 Debenture AAA 0.00 - 9.49 9.49
equal 7.20% Karnataka State 25/01/2027 State Development Loan SOV 0.00 - 8.21 8.21
equal 8.55% HDFC 27/03/2029 Debenture AAA 6.19 - 6.87 6.87
equal 8.02% Bharat Petroleum Corporation 2024 Debenture AAA 5.95 - 6.71 6.71
equal 8.39% State Bank of India Additional Tier 1 Bond AA+ 5.73 - 6.32 6.32
equal 8.21% Tamilnadu State 24/06/2025 State Development Loan SOV 0.00 - 5.15 5.15
equal 7.37% GOI 16/04/2023 GOI Securities SOV 2.98 - 3.30 3.30
equal 8.15% REC 2022 Non Convertible Debenture AAA 2.93 - 3.25 3.25
equal 6.57% GOI 2033 GOI Securities SOV 2.87 - 3.12 3.12
equal 8.58% Gujarat State 23/01/2023 State Development Loan SOV 0.00 - 1.10 1.10
equal 7.20% Uttar Pradesh State 25/01/2027 State Development Loan SOV 0.00 - 0.69 0.69
equal Others CBLO -- - 9.88

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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As on 31-Aug-2021

Fund Manager


-0.01%

Change from previous, NAV as on 17-Sep-2021

Growth: ₹ 11.9180

IDCW: ₹ 11.9178


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

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: 7.20%
Benchmark: CRISIL Short Term Debt Hybrid 75+25 Index
Riskometer: Moderate
Type: Open-ended
Assets: ₹ 32 Cr (As on 31-Aug-2021)
Expense: 0.66% (As on 31-Aug-2021)
Risk Grade: --
Return Grade: --
Turnover: 6.00%

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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