This Retirement Fund (The 50s Plan) Has Given 19.09% Returns In 3 Years

Retirement plans are financial instruments that may help you increase your hard-earned money for the rest of your life. Investing in the finest retirement plans entails accumulating cash throughout your life to assure a steady stream of income once you retire. Investing in the finest retirement plan early in life ensures a sizable savings account.

In this article, we look at a three-year-old retirement fund. This is a form of retirement account that increases over time as a result of frequent investments.

Aditya Birla Sun Life Retirement Fund - The 50s Plan - Direct-Growth

The Retirement Fund -The 50s Plan Direct-Growth is a Conservative Hybrid mutual fund scheme launched by the Aditya Birla Sun Life Mutual Fund on 11 March 2019. It is a fund designed to build a retirement corpus. 

The fund's size or Assets Under Management is Rs 29.18 Crore as of 28 February 2022. The NAV of this fund is Rs 11.9788 declared on 30th March 2022. Its expense ratio is 0.64, which is below its category average and what other funds charges in the same category. 

This fund is an open-ended medium-sized fund of its category. This fund is moderately risky and could attract losses. As the fund is a hybrid fund, it aims to invest in both equity and money market instruments with marginal allocation to equity and equity-related instruments. 

The minimum investment amount required to invest in this fund is Rs 1,000 and for SIP, the minimum amount is Rs 500.

Absolute And Annualised Returns

Lump-Sum Investment Returns

Since its launch, it has delivered 6.09% average annual returns.

Investment Period	Absolute Returns	Annualised Returns
1 Year	3.65%	3.65%
2 Year	10.27%	5.01%
3 Year	19.09%	5.99%
Since Inception	19.79%	6.09%

SIP Returns

SIP Period	Absolute Returns	Annualised Returns
1 Year	1.29%	2.41%
2 Year	3.51%	3.36%
3 Year	7.32%	4.65%

Portfolio

The fund is invested in Indian equities to the tune of 21.29 percent, with 14.06 percent in large-cap stocks, 2.67 percent in mid-cap stocks, and 0.97 percent in small-cap stocks. The fund has a debt investment of 69.29%, with 41.06 percent in government securities and 28.23% in funds that invest in very low-risk securities. 

The fund's debt part has a reasonable credit rating, meaning that the borrowers it has loaned to are of good quality. The financial, technology, healthcare, consumer discretionary, and automobile sectors make up the majority of the fund's stock holdings. In comparison to other funds in the category, it has less exposure to the Financial and Technology industries. 

GoI, Hindustan Petroleum Corpn. Ltd., Karnataka State, Housing Development Finance Corpn. Ltd., and Bharat Petroleum Corpn. Ltd. are the fund's top five holdings.

Disclaimer

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