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Unrated

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


1 Lakh

Investment Grown to
₹ 1.09 Lakh

₹ 10000

Monthly SIP Grown to
₹ 1.26 Lakh

Analyst's Choice?

Suitability:

When you invest for three years or above, you can expect gains that beat the inflation rate and are also slightly higher than fixed income options. But be prepared for some ups and downs in your investment value along the way.

Conservative hybrid funds invest roughly a quarter of your money in equity shares and the rest in bonds and commodities. Given their underlying investments, these funds offer a viable alternative to regular income seekers. To derive dependable, inflation-protected income, 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% of the value of your investment every year.

Warning: Do not invest in this, or any other aggressive hybrid fund, if you need to redeem your investment in less than three years.

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 paid by the mutual fund scheme are taxed at the rate of 25% (effectively 29.12%, 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 5.21 0.04 -0.03 1.37 2.74 5.08 9.22 -- -- -- --
VR MIP TRI -2.83 0.30 2.25 1.32 -1.80 -2.13 0.14 -- -- -- --
Hybrid: Conservative Hybrid -3.03 0.23 1.93 1.61 -3.38 -2.71 -0.52 -- -- -- --
Rank within category 1 37 38 27 1 1 2 -- -- -- --
Number of funds in category 38 38 38 38 38 37 37 35 32 29 0

As on 03-Jun-2020

Best & Worst Performance

Best (Period) Worst (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 3.65 (11-Dec-2019 - 11-Mar-2020) 0.59 (23-Dec-2019 - 23-Mar-2020)
Year 10.09 (09-May-2019 - 08-May-2020) 6.27 (22-Mar-2019 - 23-Mar-2020)

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Fund -- -- -- -- -- --
VR MIP TRI* 5.43 6.39 0.01 0.01 -- --
Hybrid: Conservative Hybrid* 3.75 6.85 -0.16 -0.09 0.82 -1.67
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-May-2020

Asset Allocation (%)

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Concentration & Valuation

Number of Stocks 0
Number of Bonds 9
Average Maturity (yrs) 3.84
Top 10 Holdings (%) 72.53
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 0.00 - 39.46 35.36
equal 8.55% HDFC 27/03/2029 Debenture AAA 6.98 - 8.74 6.98
equal 8.02% BPCL 2024 Debenture AAA 6.79 - 8.77 6.79
equal 8.15% REC 18/01/2021 Bonds/Debentures AAA 6.68 - 8.61 6.68
equal 8.39% State Bank of India 25/10/2024 Bonds/Debentures AA+ 6.52 - 8.47 6.52
equal 7.37% GOI 16/04/2023 GOI Securities SOV 3.53 - 4.38 3.53
equal 8.15% REC 2022 Non Convertible Debenture AAA 0.00 - 3.86 3.35
equal 6.57% GOI 2033 GOI Securities SOV 3.32 - 4.02 3.32

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 30-Apr-2020

Fund Manager

— Ajay Garg since 19-Feb-2019

Education: Mr. Garg is B.E (Electronics) and MBA (Finance).

Experience: Prior to joining Birla Sun Life AMC in 2003 he has worked with Birla Sun Life Securities Ltd.

Funds Managed:

— 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:


0.04%

Change from previous, NAV as on 03-Jun-2020

Growth: ₹ 11.1619

Dividend: ₹ 11.1618


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 (₹) --
Minimum Balance (₹) 500
Exit Load 0

Basic Details

Fund House: Aditya Birla Sun Life Mutual Fund
Launch Date: 11-Mar-2019
Return Since Launch: 9.33%
Benchmark: CRISIL Short Term Debt Hybrid 75+25 Fund
Riskometer: Moderately High
Type: Open-ended
Assets: ₹ 30 Cr (As on 30-Apr-2020)
Expense: 0.82% (As on 30-Apr-2020)
Risk Grade: --
Return Grade: --
Turnover: 15.00%

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: 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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