April 14, 2025
mayank
Axis Retirement Fund-Conservative Plan details, NAV, Portfolio, Returns, Peer Comparison, Fund Managers & Guidance by sahifund.com
NAV Growth: Rs 16.7780
NAV IDCW: Rs 16.5947
Suitable For Which Investors?
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.
Fund’s 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.
Fund Manager:
1) Devang Shah
Education: Mr. Shah is B.Com and ACA.
Experience: Prior to joining Axis AMC he has worked with ICICI Prudential AMC, Deutsche Asset Management (India) Pvt. Ltd. and Pricewaterhouse Coopers.
2) Hardik Shah
Education: Mr. Shah has done B.E. Information Technology and MBA Finance.
Experience: Prior to joining Axis Mutual Fund, he has worked with Nippon India Mutual Fund, Quantum Asset Management Company and ICAP India (P) Ltd.
3) Jayesh Sundar
Education: Mr. Sundar is a Chartered Accountant
Experience: Prior to joining Axis MF, he has worked with Aviva Life Insurance Company, Tata Securities Ltd., Collins Stewart India Pvt. Ltd., IL&FS Investsmart and CRISIL
Investment Details
| Min. Investment (Rs) | 5,000 |
| Min. Addl Investment (Rs) | 1,000 |
| Min. SIP Investment (Rs) | 1,000 |
| Min. Withdrawal (Rs) | — |
| Min. No of Cheques | 6 |
| Min. Balance (Rs) | 500 |
| Lock-in Period | 5 Years |
| Exit Load | 0 |
Basic Details of Axis Retirement Fund-Conservative Plan
| Fund House | Axis Mutual Fund |
| Launch Date | 20-Dec-19 |
| Return Since Launch | 10.23% |
| Benchmark | CRISIL Hybrid 75+25 Conservative Index |
| Riskometer | High |
| Type | Open-ended |
| Assets | Rs 62 Cr |
| (As on 31-Mar-2025) | |
| Expense | 0.92% |
| (As on 31-Mar-2025) | |
| Risk Grade | High |
| Return Grade | Average |
| Turnover | — |
Trailing Returns (%) of Axis Retirement Fund-Conservative Plan
| Fund name | YTD | 1D | 1M | 3M | 6M | 1Y | 3Y | 5Y | 7Y | 10Y |
| Axis Retirement-Conservative Plan Dir | -0.24 | 0.57 | 2.61 | -0.05 | -1.56 | 6.55 | 8.47 | 11.86 | — | — |
| VR Conservative Hybrid TRI | 0.73 | 0.40 | 1.24 | 0.67 | 0.44 | 7.20 | 8.01 | 9.74 | — | — |
| Hybrid: Conservative Hybrid | 0.59 | 0.52 | 1.94 | 1.04 | 0.59 | 8.12 | 9.11 | 11.09 | — | — |
| Rank within category | 22 | 8 | 1 | 24 | 27 | 24 | 20 | 8 | — | — |
| Number of funds in category | 28 | 28 | 28 | 28 | 28 | 28 | 28 | 25 | 22 | 21 |
Peer Comparison of Axis Retirement Fund-Conservative Plan
| Rating | 1 Year Returns | 3 Year Returns | 5 Year Returns | Expense Ratio (%) | Net Assets (Rs Cr) | Return Since Launch (%) | Exit Load (Days) | Fund Age | Turnover (%) | |
| Axis Retirement-Conservative Plan Dir | 1 star | 6.55 | 8.47 | 11.86 | 0.92 | 62 | 10.23 | — | 5Y 3M | — |
| SBI Conservative Hybrid Dir | 4 star | 8.10 | 9.77 | 12.97 | 1.05 | 9,666 | 9.93 | 1.00 (365) | 12Y 3M | — |
| HDFC Hybrid Debt Dir | 4 star | 7.96 | 10.52 | 13.05 | 1.15 | 3,310 | 9.98 | 1.00 (365) | 12Y 3M | — |
| ICICI Pru Regular Savings Dir | 4 star | 8.74 | 9.85 | 11.62 | 0.97 | 3,127 | 10.66 | 1.00 (365) | 12Y 3M | 21.00 |
| Kotak Debt Hybrid Dir | 4 star | 9.24 | 11.22 | 14.04 | 0.45 | 3,017 | 10.97 | 1.00 (180) | 12Y 3M | 24.23 |
Portfolio Analysis of Axis Retirement Fund-Conservative Plan
| Number of Stocks | 33 |
| Number of Bonds | 5 |
| Average Maturity (yrs) | 0.06 |
| Top 10 Holdings | 72.52% |
| Portfolio P/B Ratio | 3.54 |
| Portfolio P/E Ratio | 21.43 |
Portfolio Breakup
| Fund | Category | |
| Average Mkt Cap (Rs Cr) | 3,73,779 | 2,44,800 |
| Giant (%) | 72.41 | 62.31 |
| Large (%) | 21.00 | 14.25 |
| Mid (%) | 6.60 | 15.38 |
| Small (%) | — | 9.90 |
| Tiny (%) | — | 0.25 |
| Fund | Category | |
| Number of Securities | 38 | 65 |
| Macaulay Duration (yrs) | 0.03 | 4.81 |
| Average Maturity (yrs) | 0.06 | 8.53 |
| Yield to Maturity (%) | 7.10 | 7.13 |
| Avg Credit Rating | GOI/Cash | — |
Chanakya’s Mutual Fund Guidance For Axis Retirement Fund-Conservative Plan
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