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HDFC Retirement Savings Fund - Hybrid-Equity Plan - Growth Option

Fund House: HDFC Mutual Fund
Category: Retirement Fund
Launch Date: 05-02-2016
Asset Class: Mixed Asset
Benchmark: NIFTY 50 Hybrid Composite Debt 65:35
Expense Ratio: 2.66% As on (31-03-2021)
Status: Open Ended Schemes
Minimum Investment: 5000.0
Minimum Topup: 1000.0
Total Assets: 589.19 Cr As on (30-04-2021)
Turn over: 16.2% | Exit Load: Nil
NAV as on 17-05-2021

22.098

0.29 (1.3169%)

CAGR Since Inception

16.39%

S&P BSE India Bond Index 9.35%

PERFORMANCE

Returns Type:
of  : 
Start :  
End : 
Period:  
This Scheme
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vs
S&P BSE India Bond Index
-
Gold
-
PPF
-
Returns Type:
of  : 
  Period:  

Start :  
Period:  

RETURNS ANALYSIS

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Fund Multiplier

Time it would have taken to make your money double (2x), quadruple (4x) and quintuple (5x)

Time Taken To Multiply
2x
4x
5x
10x
FUND
4 Years 10 Months
There is no value for 4x
There is no value for 5x
There is no value for 10x
FD
11 years 10 Months
GOLD
8 years 9 Months
NIFTY
5 years 5 Months

 

Investment Objective

The Scheme seeks to generate a corpus to provide for pension to an investor in the form of income to the extent of the redemption value of their holding after the age of 60 years by investing in a mix of securities comprising of equity, equity related instruments and/or Debt/Money Market instruments.

Current Asset Allocation (%)

Indicators

Volatility -
Sharp Ratio -
Alpha 3.84
Beta 1.33
Yield to Maturity 5.64
Average Maturity 4.28

PEER COMPARISON

Scheme Name Inception
Date		 1 Year
Return(%)		 2 Year
Return(%)		 3 Year
Return(%)		 5 Year
Return(%)		 10 Year
Return(%)
HDFC Retirement Savings Fund - Hybrid-Equity Plan - Growth Option 05-02-2016 54.05 16.09 11.35 14.6 -
HDFC Retirement Savings Fund - Equity Plan - Growth Option 25-02-2016 75.04 20.29 11.5 15.62 -
Nippon India Retirement Fund- Wealth Creation Scheme- Growth Plan - Growth Option 05-02-2015 60.71 6.01 2.58 8.52 -
ICICI Prudential Retirement Fund - Pure Equity - Growth Option 01-02-2019 59.42 11.92 - - -
ICICI Prudential Retirement Fund - Hybrid Aggressive - Growth Option 02-02-2019 47.54 12.37 - - -
Tata Retirement Savings Fund -Regular Plan -Progressive -Growth 01-11-2011 46.25 14.67 8.01 14.62 -
Aditya Birla Sun Life Retirement Fund-The 30s Plan-Regular Growth 10-03-2019 42.08 11.15 - - -
Tata Retirement Savings Fund Moderate -Regular Plan (Growth) 01-11-2011 40.17 13.04 7.8 13.03 -
Axis Retirement Savings Fund - Aggressive Plan - Regular Growth 05-12-2019 35.21 - - - -
Aditya Birla Sun Life Retirement Fund-The 40s Plan-Regular Plan-Growth 28-03-2019 33.41 10.8 - - -

Scheme Characteristics

Scheme having a lock-in for at least 5 years or till retirement age whichever is earlier.

Riskometer

riskometer

PORTFOLIO

Market Cap Distribution

Small Cap

22.87%

Others

34.65%

Large Cap

37.83%

Mid Cap

4.65%

Scheme Documents

Fact Sheet for the month of February- 21

Monthly Portfolios (Other than Debt Schemes) for February 2021

Tax Benefits of investing in this fund

Long term capital gains (LTCG) tax @20% (plus surcharge, if applicable and cess) with indexation if units held for more than 36 months

Short term capital gains (STCG) tax at the income tax slab rate applicable to the investor, if units are held for less than 36 months

Investor does not pay any tax on dividends but a Dividend Distribution Tax (DDT) is deducted at source @29.12% ( 25% + 12% surcharge + 4% Health & education cess) for Individuals and @ 34.944% ( 30% + 12% surcharge + 4% Health & education cess) for any other person **

In case of an investor being NRI, LTCG tax are chargeable @ 10% (plus surcharge, if applicable and cess) without indexation relating to units redeemed from unlisted schemes.

** The DDT is to be paid by the mutual fund

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