These Two Solution-Oriented Retirement Funds Have Given Good Returns On 5 Year SIP

Most of us rely on investments to support our lives and well-being, but we frequently become lost and confused. One explanation for this is that the financial services sector has created uncertainty by offering a wide range of investment products that are usually marketed without regard for their suitability. To keep it simple investment in solution-oriented mutual funds, particularly retirement funds are the best investment destination for an individual. These retirement saving funds from the house of HDFC Mutual Fund and Tata Mutual Funds have delivered better returns over the years. Check out the details of the fund below.

HDFC Retirement Savings Fund - Hybrid Equity Plan Direct-Growth

NAV	Fund Size	Expense Ratio
₹26.32	₹ 785.16 Cr	1.08%

NAV as of 14 February 2022

HDFC Retirement Savings Fund - Hybrid Equity Plan Direct-Growth is an Aggressive Hybrid mutual fund scheme from the house of HDFC Mutual Fund. It is a medium-sized fund of its category. The fund was launched on 05 February 2016. Its has AMU is Rs 785 Crores as of 31 December 2021 under the Hybrid Equity Plan Direct-Growth plan. The fund's expense ratio is higher than its category average expense ratio.
Under the Direct-Growth of the Fund, it has delivered 13.06% returns in the last 1-year, which is around 2% higher than its category average in the same horizon. Since launch, it has delivered 17.59% average annual returns, which is also higher tha its category annual average. Every six years, the fund has quadrupled the money invested in it. The fund's performance during the year may be seen in the returns it has generated. In terms of performance, the fund has outperformed the returns in its category.
The ability of the HDFC Retirement Savings Fund - Hybrid Equity Plan Direct-Growth plan to provide consistent returns are comparable to that of other funds in its category. It has an average capacity to control losses in a sinking market. However, in terms of investment, the fund is quite hazardous. The fund's debt part has a low credit rating, meaning that the borrowers to whom it has given money are not of high quality.

Returns

Annualised Returns

1-Year	2-Year	3-Year	5-Year	Since Inception
13.06%	18.78%	16.91%	14.16%	17.59%

SIP Returns

Period Invested	Absolute Returns	Annualised Returns
1 Year	2.69%	4.97%
2 Year	25.36%	23.31%
3 Year	33.73%	19.75%
5 Year	46.74%	15.30%

Tata Retirement Savings Fund - Conservative Plan Direct-Growth

NAV	Fund Size	Expense Ratio
₹27.64	₹ 188.14 Cr	1.05%

NAV as of 14 February 2022

Tata Retirement Savings Fund Conservative Plan Direct-Growth is a Conservative Hybrid mutual fund scheme from Tata Mutual Fund. It is a medium-sized fund of its category. This fund was launched on 01 January 2013. Tata Retirement Savings Fund Conservative Plan Direct-Growth has Rs 188 Crores worth of AUM as of 31 December 2021. The fund has an expense ratio that is higher than its category average expense ratio is 0.89%.
Tata Retirement Savings Fund Conservative Plan Direct-Growth returns for the previous year were 5.59%. Since its inception, it has had an average annual return of 10.46%, compared to the category's average annual return of 13.18%. Fund's return other than the SIP returns is below the category average returns over the years and since its inception.
The ability of the Tata Retirement Savings Fund Conservative Plan Direct-Growth plan to provide consistent returns is comparable to that of other funds in its category. It has an average capacity to control losses in a sinking market. Investors should exercise caution while investing in the fund since it is somewhat risky and may jeopardize their savings. The fund's debt part has a reasonable credit rating, meaning that the borrowers it has loaned to are of good quality.

Returns

Annualised Returns

1-Year	2-Year	3-Year	5-Year	Since Inception
5.59%	8.71%	9.88%	8.83%	15.53%

SIP Returns

Period Invested for	Absolute Returns	Annualised Returns
1 Year	1.47%	2.72%
2 Year	8.78%	8.29%
3 Year	14.59%	9.02%
5 Year	24.13%	8.56%

Disclaimer

Mutual fund investments are subject to market risk. Read all scheme-related documents, Terms and Conditions carefully before investing. The above-mentioned information is purely informational and carried forward from MoneyControl. The Greynium Information Technologies and the Author are not liable for any losses caused as a result of a decision based on the article.