May 30, 2024
mayank
HDFC Retirement Savings Fund Equity Plan details, NAV, Portfolio, Returns, Peer Comparison, Fund Managers & Guidance by Chanakyamfguidance.com
NAV Growth: Rs 51.6470
Suitable For Which Investors?
When you invest for five years or more, you can expect gains that comfortably 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.
This is a flexi-cap fund where the fund management team has complete freedom to invest in companies of different sizes, depending on where it expects maximum gains. This versatility makes flexi-cap funds most suitable for equity fund investors, as the job of stock selection is left completely to the fund manager, which is the very idea of investing in a mutual fund.
Like for all equity funds, you must invest only through the SIP route.
Fund’s Investment Strategy:
The Scheme seeks to provide long-term capital appreciation / income by investing in a mix of equity and debt instruments to help investors meet their retirement goals.
Fund Manager:
1) Srinivasan Ramamurthy
Education: Mr. Ramamurthy is an engineer by qualification from Jadavpur University and has done his MBA from IIM – Calcutta.
Experience: Prior to joining HDFC Asset Management Company Limited, he has worked with Mahindra Mutual Fund, IDBI Federal Life Insurance, IIFL Capital Limited, Maybank Kim Eng, Credit Suisse and KPMG Advisory.
2) Shobhit Mehrotra
Education: He is an MBA from Clemson University, USA.
Experience: Prior to joining HDFC AMC he has worked with Franklin Templeton AMC, and ICRA.
Investment Details
| Min. Investment (Rs) | 100 |
| Min. Addl Investment (Rs) | 100 |
| Min. SIP Investment (Rs) | 100 |
| Min. Withdrawal (Rs)100 | |
| Min. No of Cheques | 6 |
| Min. Balance (Rs) | 5,000 |
| Lock-in Period | 5 Years |
| Exit Load | 0 |
Basic Details
| Fund House | HDFC Mutual Fund |
| Launch Date | 25-Feb-16 |
| Return Since Launch | 21.99% |
| Benchmark | NIFTY 500 TRI |
| Riskometer | Very High |
| Type | Open-ended |
| Assets | Rs 5,044 Cr |
| (As on 30-Apr-2024) | |
| Expense | 0.67% |
| (As on 30-Apr-2024) | |
| Risk Grade | Low |
| Return Grade | High |
| Turnover | 12.49% |
Trailing Returns (%) of HDFC Retirement Savings Fund Equity Plan
| Fund name | YTD | 1D | 1M | 3M | 6M | 1Y | 3Y | 5Y | 7Y | 10Y |
| HDFC Retirement Savings Equity Dir | 11.04 | -0.37 | 2.67 | 6.64 | 20.17 | 38.09 | 24.39 | 23.03 | 19.06 | — |
| S&P BSE 500 TRI | 10.37 | -0.49 | 2.94 | 6.99 | 20.87 | 36.72 | 18.93 | 18.27 | 15.84 | — |
| Equity: Flexi Cap | 11.52 | -0.51 | 2.85 | 7.74 | 20.90 | 38.37 | 19.39 | 17.90 | 15.49 | — |
| Rank within category | 38 | 22 | 53 | 59 | 41 | 30 | 10 | 5 | 4 | — |
| Number of funds in category | 81 | 83 | 82 | 82 | 81 | 75 | 59 | 46 | 36 | 31 |
Peer Comparison of HDFC Retirement Savings Fund Equity 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 (%) | |
| HDFC Retirement Savings Equity Dir | 5 star | 38.09 | 24.39 | 23.03 | 0.67 | 5,044 | 21.99 | — | 8Y 3M | 12.49 |
| Parag Parikh Flexi Cap Dir | 5 star | 35.56 | 21.66 | 24.80 | 0.62 | 63,934 | 20.61 | 2.00 (365) | 11Y | 3.24 |
| HDFC Flexi Cap Dir | 4 star | 44.46 | 26.11 | 20.24 | 0.80 | 52,874 | 17.43 | 1.00 (365) | 11Y 4M | 34.72 |
| Franklin India Flexi Cap Dir | 4 star | 44.37 | 22.66 | 20.59 | 0.97 | 15,267 | 17.69 | 1.00 (365) | 11Y 4M | 20.79 |
| Franklin India Focused Equity Dir | 4 star | 38.49 | 20.80 | 18.97 | 0.97 | 11,512 | 19.42 | 1.00 (365) | 11Y 4M | 26.22 |
Portfolio Analysis of HDFC Retirement Savings Fund Equity Plan
| No. of Stocks | 70 |
| Top 10 Stocks | 37.06% |
| Top 5 Stocks | 23.85% |
| Top 3 Sectors | 45.87% |
| Portfolio P/B Ratio | 3.58 |
| Portfolio P/E Ratio | 21.80 |
Portfolio Breakup
| Fund | Category | |
| Average Mkt Cap (Rs Cr) | 1,31,876 | 1,68,660 |
| Giant (%) | 50.65 | 50.98 |
| Large (%) | 18.14 | 19.98 |
| Mid (%) | 18.25 | 22.93 |
| Small (%) | 12.96 | 6.84 |
| Tiny (%) | — | — |
How to Invest in HDFC Retirement Savings Fund Equity Plan?
Chanakya’s Mutual Fund Guidance For HDFC Retirement Savings Fund Equity Plan
Do not invest in this, or any other flexi-cap fund, if you need to redeem your investment in less than five years.
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