Tata Retirement Savings Fund – Moderate Plan details, NAV, Portfolio, Returns, Peer Comparison, Fund Managers & Guidance by Chanakyamfguidance.com
NAV Growth: Rs 55.8481
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 fund seeks to provide a financial planning tool for long term financial security for investors based on their retirement planning goals.
Fund Manager:
1) Sonam Udasi
Education: Mr. Udasi is a B.Com and also holds PGDM(Finance).
Experience: Prior to joining Tata AMC he was associated with ASK Raymond James, JM Financial AMC, Prime Securities, BRICS Securities and IDBI Capital Market Services Ltd.
2) Murthy Nagarajan
Education: Mr. Nagarajan is a M.Com, ICWA and PGPMS.
Experience: Prior to joining Tata AMC he has worked with Quantum AMC as head fixed income, Mirae Asset Global Investment India Ltd.
Investment Details
Min. Investment (Rs) | 5,000 |
Min. Addl Investment (Rs) | 1,000 |
Min. SIP Investment (Rs) | 500 |
Min. Withdrawal (Rs) | 500 |
Min. No of Cheques | 12 |
Min. Balance (Rs) | 500 |
Lock-in Period | 5 Years |
Exit Load | 1% for redemption Within 1829 days |
Basic Details of Tata Retirement Savings Fund – Moderate Plan
Fund House | Tata Mutual Fund |
Launch Date | 01-Jan-13 |
Return Since Launch | 15.45% |
Benchmark | CRISIL Hybrid 25+75 Aggressive Index |
Riskometer | Very High |
Type | Open-ended |
Assets | Rs 1,741 Cr |
(As on 31-Jul-2023) | |
Expense | 0.66% |
(As on 31-Jul-2023) | |
Risk Grade | Average |
Return Grade | Below Average |
Turnover | 57.50% |
Tata Retirement Savings Fund – Moderate Plan Trailing Returns (%)
Fund name | YTD | 1D | 1M | 3M | 6M | 1Y | 3Y | 5Y | 7Y | 10Y |
Tata Retrmnt Svngs Moderate Dir | 13.25 | 0.39 | 1.31 | 9.85 | 14.75 | 13.58 | 16.94 | 10.88 | 13.05 | 17.84 |
VR Balanced TRI | 7.62 | 0.42 | -1.34 | 6.31 | 8.88 | 9.85 | 18.38 | 11.36 | 12.37 | 13.79 |
Hybrid: Aggressive Hybrid | 10.83 | 0.44 | 0.37 | 8.35 | 11.84 | 12.84 | 18.93 | 11.87 | 12.22 | 15.73 |
Rank within category | 10 | 31 | 6 | 8 | 7 | 19 | 27 | 23 | 9 | 4 |
Number of funds in category | 45 | 45 | 45 | 45 | 45 | 44 | 41 | 34 | 27 | 21 |
Tata Retirement Savings Fund – Moderate Plan Peer Comparison
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 (%) | |
Tata Retrmnt Svngs Moderate Dir | 2 star | 13.58 | 16.94 | 10.88 | 0.66 | 1,741 | 15.45 | 1.00 (1829) | 10Y 7M | 57.50 |
ICICI Pru Eqt & Debt Dir | 5 star | 17.90 | 27.34 | 16.49 | 1.13 | 24,990 | 16.93 | 1.00 (365) | 10Y 7M | 27.00 |
HDFC Hybrid Eqt Dir | 4 star | 14.31 | 21.53 | 12.79 | 1.08 | 21,038 | 15.27 | 1.00 (365) | 10Y 7M | 35.11 |
Canara Robeco Eqt Hybrid Dir | 4 star | 10.89 | 17.21 | 12.98 | 0.61 | 9,055 | 14.33 | 1.00 (365) | 10Y 7M | 17.00 |
Mirae Asset Hybrid Eqt Dir | 4 star | 12.34 | 18.45 | 13.07 | 0.32 | 7,778 | 13.63 | 1.00 (365) | 8Y | 61.00 |
Portfolio Analysis of Tata Retirement Savings Fund – Moderate Plan
No. of Stocks | 51 |
Top 10 Holdings | 34.23% |
Top 5 Stocks | 22.35% |
Top 3 Sectors | 42.07% |
Portfolio P/B Ratio | 4.75 |
Portfolio P/E Ratio | 33.28 |
Avg Credit Rating | AAA |
Portfolio Breakup
Fund | Category | |
Average Mkt Cap (Rs Cr) | 91,106 | 1,58,589 |
Giant (%) | 38.98 | 55.11 |
Large (%) | 12.40 | 16.23 |
Mid (%) | 36.85 | 22.41 |
Small (%) | 11.77 | 7.81 |
Tiny (%) | — | 0.05 |
Fund | Category | |
Number of Securities | 71 | 64 |
Macaulay Duration (yrs) | — | — |
Average Maturity (yrs) | — | — |
Yield to Maturity (%) | — | — |
Avg Credit Rating | AAA | — |
Chanakya’s Mutual Fund Guidance For Tata Retirement Savings Fund – Moderate 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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