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Tata Retirement Savings Fund- Moderate Plan-Regular Plan-Growth Option

Fund House: Tata Mutual Fund
Category: Retirement Fund
Launch Date: 01-11-2011
Asset Class: Mixed Asset
Benchmark: CRISIL Hybrid 25+75 Aggressive Index
TER: 2.05% As on (31-08-2023)
Status: Open Ended Schemes
Minimum Investment: 5000.0
Minimum Topup: 1000.0
Total Assets: 1,766.4 Cr As on (31-08-2023)
Turn over: 54.6% | Exit Load: Exit load of 1% if redeemed before 61 months.
NAV as on 26-09-2023

48.9452

0.07 (0.1426%)

CAGR Since Inception

14.26%

Benchmark: 12.34%

PERFORMANCE

Returns Type:
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This Scheme
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S&P BSE India Bond Index
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Gold
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PPF
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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
3 Years 2 Months
9 Years 7 Months
11 Years 10 Months
There is no value for 10x
FD
11 years 10 Months
GOLD
8 years 9 Months
NIFTY
5 years 5 Months

 

Investment Objective

The fund seeks to provide a financial planning tool for long term financial security for investors based on their retirement planning goals.

Current Asset Allocation (%)

Indicators

Standard Deviation 10.14
Sharpe Ratio 1.1
Alpha 1.68
Beta 0.72
Yield to Maturity -
Average Maturity 2.87

PEER COMPARISON

Scheme Name Inception
Date		 1 Year
Return(%)		 2 Year
Return(%)		 3 Year
Return(%)		 5 Year
Return(%)		 10 Year
Return(%)
Tata Retirement Savings Fund- Moderate Plan-Regular Plan-Growth Option 01-11-2011 15.69 5.39 15.59 11.41 15.64
HDFC Retirement Savings Fund - Equity Plan - Growth Option 07-02-2016 27.55 13.94 31.25 18.22 -
ICICI Prudential Retirement Fund - Pure Equity - Growth Option 01-02-2019 23.19 14.38 30.71 - -
Nippon India Retirement Fund- Wealth Creation Scheme- Growth Plan - Growth Option 05-02-2015 22.98 8.77 24.93 10.01 -
HDFC Retirement Savings Fund - Hybrid-Equity Plan - Growth Option 05-02-2016 21.66 9.6 21.66 14.02 -
SBI Retirement Benefit Fund - Aggressive Plan - Regular Plan - Growth 10-02-2021 20.3 12.54 - - -
ICICI Prudential Retirement Fund - Hybrid Aggressive - Growth Option 02-02-2019 19.68 8.41 20.84 - -
SBI Retirement Benefit Fund - Aggressive Hybrid Plan - Regular Plan - Growth 10-02-2021 18.02 11.22 - - -
Tata Retirement Savings Fund - Progressive Plan -Regular Plan-Growth Option 01-11-2011 16.38 4.32 16.55 12.02 15.7
Aditya Birla Sun Life Retirement Fund-The 30s Plan-Regular Growth 10-03-2019 15.48 4.19 14.09 - -

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

17.63%

Others

17.4%

Large Cap

37.0%

Mid Cap

27.97%

Scheme Documents

Monthly Portfolio Disclosure - August 2023

Tax Benefits of investing in this fund

Capital gains will be deemed as short-term capital gains (STCG) for units acquired on or after April 1, 2023 and will be taxed at the applicable income tax slab rate**.

Income distribution cum capital withdrawal (IDCW) shall be taxable in the hands of investors and the mutual fund will deduct TDS @10% for resident investors and @20% (plus applicable surcharge and cess) for non-resident investors before payouts/re-investment. However, investors can claim tax-credit of TDS deducted at the time of filing their annual return.

** Capital gains on sale of units acquired on or before March 31, 2023 & redeemed on or after April 1, 2023 will be taxed as below:

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

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.

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

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