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


1 Lakh

Investment Grown to
₹ 1.01 Lakh

₹ 10000

Monthly SIP Declined to
₹ 1.19 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
Axis Retirement Savings Fund - Conservative Plan Reg-G -3.40 0.03 0.36 2.63 1.04 -1.51 1.37 -- -- -- --
VR MIP TRI 1.21 0.24 0.50 3.61 3.96 1.76 5.25 -- -- -- --
Hybrid: Conservative Hybrid 1.18 0.13 0.17 2.06 2.73 1.44 4.64 -- -- -- --
Rank within category 35 35 4 6 36 35 32 -- -- -- --
Number of funds in category 35 36 36 36 36 35 35 31 29 28 26

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 - Conservative Plan - Regular Plan
Unrated
Dec-19 1.37 -- -- 2.16 94
SBI Conservative Hybrid Fund  | Invest Online
4 star
Mar-01 7.02 11.12 7.41 1.10 6,286
ICICI Prudential Regular Savings Fund  | Invest Now
5 star
Mar-04 6.41 9.38 7.89 1.74 3,267
HDFC Hybrid Debt Fund  | Invest Online
4 star
Dec-03 4.88 9.54 6.78 1.85 2,689
Aditya Birla Sun Life Regular Savings Fund  | Invest Online
4 star
May-04 6.54 9.54 5.92 1.88 1,657

Best & Worst Performance

Best Performance Worst Performance
Return (%) Period Return (%) Period
Week 4.79 24-Mar-2020 - 31-Mar-2020 -7.36 11-Mar-2020 - 18-Mar-2020
Month 7.59 24-Mar-2020 - 23-Apr-2020 -12.76 20-Feb-2020 - 23-Mar-2020
Quarter 11.58 15-Oct-2020 - 14-Jan-2021 -6.72 17-Feb-2020 - 18-May-2020
Year 27.52 23-Mar-2020 - 23-Mar-2021 -2.21 17-Jun-2021 - 17-Jun-2022

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Axis Retirement Savings Fund - Conservative Plan Reg-G -- -- -- -- -- --
VR MIP TRI* 8.41 7.21 0.68 0.88 -- --
Hybrid: Conservative Hybrid* 7.33 6.38 0.63 0.77 0.66 0.59
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 16
Number of Bonds 7
Average Maturity (yrs) 6.39
Top 10 Holdings (%) 66.00
Portfolio P/B Ratio 4.62
Portfolio P/E Ratio 31.41

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
up 6.54% GOI 17/01/2032 GOI Securities SOV 0.00 - 15.15 15.15
equal 7.84% Bank of Baroda Additional Tier 2 Bond AAA 7.25 - 8.38 7.89
equal 8.85% REC 16/04/2029 Non Convertible Debenture AAA 7.18 - 9.46 7.38
equal 7.17% GOI 2028 GOI Securities SOV 0.00 - 10.48 5.34
equal GOI 22/09/2033 GOI Securities Floating Rate Bond SOV 4.73 - 5.36 5.23
equal 8.85% Power Finance Corporation 25/05/2029 Bonds/NCDs AAA 4.15 - 4.64 4.55
equal Others CBLO -- - 18.57

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 Asian Paints Materials 94.37 7.20 0.00 7.20
equal Maruti Suzuki India Automobile 60.44 5.80 0.00 5.80
equal Reliance Industries Energy 26.18 5.70 0.00 5.35
equal Infosys Technology 30.16 2.45 0.00 2.11
equal Bajaj Auto Automobile 18.81 2.48 0.00 2.10
equal Emami Consumer Staples 23.99 2.03 0.00 1.64
equal Mphasis Technology 29.56 3.25 0.00 1.63
equal Tech Mahindra Technology 19.20 2.55 0.00 1.62
equal Hero Motocorp Automobile 23.75 2.06 0.00 1.44
equal HCL Technologies Technology 19.05 2.28 0.00 1.13
equal ITC Consumer Staples 23.70 1.06 0.00 1.06
equal Coromandel International Chemicals 18.38 0.99 0.00 0.99
equal Wipro Technology 20.33 1.90 0.00 0.90
equal Sundaram Finance Financial 20.69 1.90 0.00 0.80
equal Colgate-Palmolive Consumer Staples 41.18 2.52 0.00 0.78
equal Avenue Supermarts Services 135.03 2.50 0.00 0.17

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:


0.03%

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

Growth: ₹ 12.3245

IDCW: ₹ 12.3237


Investment Strategy

The schemes seeks to generate regular income through investments predominantly in debt and money market instruments and to generate long term capital appreciation by investing certain portion of the portfolio in equity and equity related securities.

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: 8.25%
Benchmark: NIFTY 50 Hybrid Short Duration Debt 25:75
Riskometer: Moderately High
Type: Open-ended
Assets: ₹ 94 Cr (As on 31-Jul-2022)
Expense Ratio: 2.16% (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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