May 30, 2024
mayank
HDFC Retirement Savings Fund-Hybrid Equity Plan details, NAV, Portfolio, Returns, Peer Comparison, Fund Managers & Guidance by Chanakyamfguidance.com
NAV Growth: Rs 39.5010
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.
Aggressive hybrid funds invest 65-80 per cent of your money in equity shares and the rest in bonds. Their returns are slightly lower than those of pure equity funds which invest all your money in shares, but they also fall relatively less when the stock markets decline. This makes them suitable for conservative equity investors or first-time equity investors who are not used to sharp ups and downs.
Like for all equity-linked investments, 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 | 18.09% |
| Benchmark | NIFTY 50 Hybrid Composite Debt 65:35 |
| Riskometer | Very High |
| Type | Open-ended |
| Assets | Rs 1,394 Cr |
| (As on 30-Apr-2024) | |
| Expense | 0.93% |
| (As on 30-Apr-2024) | |
| Risk Grade | Low |
| Return Grade | Above Average |
| Turnover | 13.06% |
Trailing Returns (%) of HDFC Retirement Savings Fund-Hybrid Equity Plan
| Fund name | YTD | 1D | 1M | 3M | 6M | 1Y | 3Y | 5Y | 7Y | 10Y |
| HDFC Retirement Savings Hybrid Equity Dir | 7.66 | -0.40 | 1.23 | 4.02 | 13.54 | 27.39 | 17.14 | 17.03 | 15.23 | — |
| VR Balanced TRI | 4.80 | -0.72 | 0.58 | 3.34 | 12.45 | 21.46 | 13.88 | 13.93 | 13.26 | — |
| Hybrid: Aggressive Hybrid | 9.33 | -0.38 | 1.41 | 5.74 | 15.81 | 30.46 | 16.74 | 15.76 | 13.84 | — |
| Rank within category | 32 | 25 | 26 | 38 | 32 | 26 | 15 | 9 | 7 | — |
| Number of funds in category | 46 | 46 | 46 | 46 | 45 | 44 | 43 | 37 | 29 | 23 |
Peer Comparison of HDFC Retirement Savings Fund-Hybrid 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 Hybrid Equity Dir | 5 star | 27.39 | 17.14 | 17.03 | 0.93 | 1,394 | 18.09 | — | 8Y 3M | 13.06 |
| ICICI Pru Equity & Debt Dir | 5 star | 38.37 | 24.32 | 21.11 | 1.02 | 34,733 | 18.19 | 1.00 (365) | 11Y 4M | 29.00 |
| Canara Robeco Equity Hybrid Dir | 4 star | 26.28 | 15.05 | 16.21 | 0.59 | 10,077 | 15.15 | 1.00 (365) | 11Y 4M | 26.00 |
| HDFC Children’s Gift Dir | 5 star | 27.72 | 18.62 | 18.11 | 0.97 | 8,865 | 16.71 | — | 11Y 4M | 11.54 |
| UTI Aggressive Hybrid Dir | 4 star | 31.32 | 18.08 | 16.75 | 1.32 | 5,488 | 13.67 | 1.00 (365) | 11Y 4M | 32.00 |
Portfolio Analysis of HDFC Retirement Savings Fund-Hybrid Equity Plan
| No. of Stocks | 64 |
| Top 10 Holdings | 30.48% |
| Top 5 Stocks | 19.44% |
| Top 3 Sectors | 33.64% |
| Portfolio P/B Ratio | 3.59 |
| Portfolio P/E Ratio | 22.73 |
Portfolio Breakup
| Fund | Category | |
| Average Mkt Cap (Rs Cr) | 1,29,087 | 1,74,718 |
| Giant (%) | 56.23 | 54.66 |
| Large (%) | 11.23 | 17.31 |
| Mid (%) | 15.94 | 21.54 |
| Small (%) | 16.13 | 8.88 |
| Tiny (%) | 0.46 | 0.45 |
| Fund | Category | |
| Number of Securities | 77 | 75 |
| Macaulay Duration (yrs) | 3.26 | 4.02 |
| Average Maturity (yrs) | 4.63 | 6.69 |
| Yield to Maturity (%) | 7.20 | 7.53 |
| Avg Credit Rating | AAA | — |
How to Invest in HDFC Retirement Savings-Hybrid Equity Plan?
Chanakya’s Mutual Fund Guidance For HDFC Retirement Savings Fund-Hybrid Equity Plan
Do not invest in this, or any other aggressive hybrid fund, if you need to redeem your investment in less than five years.
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