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Axis Retirement Savings Fund - Dynamic Plan - Regular Plan download report


1 Lakh

Investment Grown to
₹ 1.03 Lakh

₹ 10000

Monthly SIP Grown to
₹ 1.21 Lakh

Suitability:

"When you invest for five years or more, you can expect gains that 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.

Dynamic Asset Allocation or Balanced Advantage funds invest your money in equity shares and bonds though their proportions are not fixed. The fund management team may increase of decrease the allocation to equity shares depending upon their market outlook.

These funds tend to fall less than pure equity funds when the stock markets decline because of their debt allocation. This makes them suitable for conservative equity investors.

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 balanced hybrid fund, if you need to redeem your investment in less than five 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 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
Axis Retirement Savings Fund - Dynamic Plan Reg-G -3.71 0.15 1.35 7.48 8.08 0.52 3.43 -- -- -- --
VR Balanced TRI 1.86 0.67 1.00 7.28 6.86 2.34 8.45 -- -- -- --
Hybrid: Dynamic Asset Allocation 1.15 0.32 0.50 4.46 4.40 1.67 4.92 -- -- -- --
Rank within category 27 24 1 1 1 21 18 -- -- -- --
Number of funds in category 28 29 29 29 29 29 25 22 14 11 6

As on 08-Aug-2022

Peer Comparison

Fund name Rating Launch Date 1-Year Return 3-Year Return 5-Year Return Expense Ratio Assets (Cr)
Axis Retirement Savings Fund - Dynamic Plan - Regular Plan
Unrated
Dec-19 3.43 -- -- 2.35 291
ICICI Prudential Balanced Advantage Fund  | Invest Now
4 star
Dec-06 8.37 13.28 9.86 1.62 40,064
ICICI Prudential Asset Allocator (FOF) Fund  | Invest Now
4 star
Dec-03 6.73 13.23 10.51 1.49 16,031
Edelweiss Balanced Advantage Fund - Regular Plan  | Invest Online
5 star
Aug-09 4.07 15.72 10.67 1.82 7,964
Tata Balanced Advantage Fund - Regular Plan  | Invest Online
4 star
Jan-19 6.26 13.12 -- 1.84 5,100

Best & Worst Performance

Best Performance Worst Performance
Return (%) Period Return (%) Period
Week 5.58 29-Jan-2021 - 05-Feb-2021 -8.86 11-Mar-2020 - 18-Mar-2020
Month 10.06 23-Oct-2020 - 24-Nov-2020 -16.70 20-Feb-2020 - 23-Mar-2020
Quarter 21.57 24-Sep-2020 - 24-Dec-2020 -11.83 17-Feb-2020 - 18-May-2020
Year 49.53 24-Sep-2020 - 24-Sep-2021 -6.48 17-Jun-2021 - 17-Jun-2022

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Axis Retirement Savings Fund - Dynamic Plan Reg-G -- -- -- -- -- --
VR Balanced TRI* 15.74 18.34 0.67 0.80 -- --
Hybrid: Dynamic Asset Allocation* 11.54 12.45 0.66 0.81 0.62 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-Jul-2022

Asset Allocation (%)

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Concentration & Valuation

Number of Stocks 17
Top 10 Holdings (%) 59.07
Top 5 Holdings (%) 37.18
Top 3 Sectors (%) 43.12
Portfolio P/B Ratio 5.58
Portfolio P/E Ratio 29.80
Avg Credit Rating GOI/Cash

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 7.75% Bank of Baroda Additional Tier 2 Bond AAA 1.68 - 1.88 1.74
equal 7.84% Bank of Baroda Additional Tier 2 Bond AAA 1.69 - 1.92 1.69
equal 6.54% GOI 17/01/2032 GOI Securities SOV 0.00 - 1.77 1.63
equal Others CBLO -- - 18.45

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 Pidilite Industries Chemicals 111.50 11.08 0.00 9.70
equal Torrent Power Energy 34.99 8.69 0.00 8.39
equal Bajaj Finance Financial 50.20 13.00 0.00 7.98
equal Avenue Supermarts Services 134.46 6.08 0.00 5.63
equal Nestle India Consumer Staples 89.78 7.00 0.00 5.48
equal ICICI Bank Financial 21.30 5.26 0.00 5.26
equal TTK Prestige Consumer Discretionary 36.91 8.35 0.00 4.99
equal Tata Consultancy Services Technology 31.58 5.13 0.00 4.02
equal Kotak Mahindra Bank Financial 27.94 5.41 0.00 4.00
equal Info Edge (India) Services 4.28 10.24 0.00 3.62
equal HDFC Bank Financial 20.54 4.48 0.00 3.47
equal Sundaram Finance Financial 20.74 5.06 0.00 3.42
equal Astral Materials 81.26 3.22 0.00 2.64
equal Abbott India Healthcare 53.20 2.16 0.00 1.99
equal V-Guard Industries Consumer Discretionary 40.09 2.42 0.00 1.79
equal Endurance Technologies Automobile 43.98 2.95 0.00 1.60
equal Symphony Consumer Discretionary 44.50 2.39 0.00 1.54

up down equal Indicates an increase or decrease or no change in holding since last portfolio
new Indicates a new holding since last portfolio

As on 31-Jul-2022

Fund Manager

— Jinesh Gopani since 29-Nov-2019

Education: Mr. Gopani is a B. Com (H) and MMS from Bharati Vidyapeeth Institute of Management Studies and Research.

Experience: Prior to joining Axis AMC he has worked with Birla Sun Life AMC, Voyager India Capital Pvt. Ltd., Emkay Shares & Stock Brokers Limited and Net worth Stock Broking Limited.

Interviews:

Funds Managed:

— R Sivakumar since 29-Nov-2019

Education: Mr. Sivakumar is a B.Tech from IIT Madras and MBA from IIM Ahmedabad.

Experience: Prior to joining Axis AMC he has worked with BNP Paribas Mutual Fund, Sundaram Mutual Fund (2001-2004), HDFC Mutual Fund and ITC Threadneedle.

Funds Managed:


0.15%

Change from previous, NAV as on 08-Aug-2022

Growth: ₹ 13.5100

IDCW: ₹ 13.5100


Investment Strategy

The schemes seeks to generating capital appreciation by investing in equity and equity related securities as well as generating income by investing in debt and money market securities, while attempting to manage risk from the market through active asset allocation.

Investment Details

Min. Investment (₹) 5,000
Min. Addl Investment (₹) 100
Min. SIP Investment (₹) 1,000
Min. No of Cheques 6
Min. Withdrawal (₹) --
Min. Balance (₹) 500
Lock-in Period 5 Years
Exit Load 0

Basic Details

Fund House: Axis Mutual Fund
Launch Date: 20-Dec-2019
Return Since Launch: 12.09%
Benchmark: NIFTY 50 Hybrid Composite Debt 65:35
Riskometer: Very High
Type: Open-ended
Assets: ₹ 291 Cr (As on 31-Jul-2022)
Expense Ratio: 2.35% (As on 30-Jun-2022)
Risk Grade: --
Return Grade: --
Turnover: --

Contact Information

AMC: Axis Asset Management Company Ltd.

Address: "Axis House" - 1st Floor, C-2 - Wadia International Centre, Pandurang Budhkar Marg , Worli, Mumbai - 400025

Phone: 022-24255161

Fax: 022-43255199

Website: http://www.axismf.com

Registrar & Transfer Agent: KFin Technologies Ltd.

Address: 303, Vamsee Estates, Opp. Big Bazaar, Ameerpet, Hyderabad - 500016

Phone: 040-44857874

Email: [email protected]

Website: www.karvymfs.com

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