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This Retirement Fund's Two Plan - Conservative And Moderate - Has Delivered Good Returns

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If you have small children or are still in the early stages of your profession, retiring may not be on your radar. But, if you're lucky and save regularly, it will be someday. It's a good idea to make a plan early in life - or right now if you haven't already - to assist ensure you have a financially comfortable retirement. These two retirements saving Fund-Conservative and Moderate Plans- have given good returns. You can add these funds to build your retirement corpus. Check out the fund details.

 

Tata Retirement Savings Fund - Direct Plan - Conservative Plan-Growth

Tata Retirement Savings Fund - Direct Plan - Conservative Plan-Growth

As the name suggests, it is a conservative plan saving fund retirement fun from the Tata Mutual Funds. The fund's assets under management or the fund size are Rs 185.29 Crore as of February 28, 2022. The NAV of the fund as of March 25, 2022, is Rs 27.7309 and the expense ratio is 1.05%.

The fund's expense ratio is higher than its category average. It is a medium-sized fund open-ended fund of its category. When comes to the risk factor, it is a posses moderate risk to investments.

At the moment, the fund's equity allocation is 26.85%, while debt is 69.56 percent. The fund's debt part has a decent credit rating, implying that the borrowers to whom it has given money are of good quality.

The financial, technology, energy, consumer staples, and materials sectors make up the bulk of the fund's stock holdings. When compared to other funds in the category, it has taken less risk in the financial and technology industries.

GOI, Power Finance Corp. Ltd., Bajaj Housing Finance Ltd., Cholamandalam Investment & Finance Co. Ltd., Reliance Utilities and Power Pvt. Ltd., and Reliance Utilities and Power Pvt. Ltd. are the fund's top five holdings.

Tata Retirement Savings Fund - Direct Plan - Moderate Plan-Growth
 

Tata Retirement Savings Fund - Direct Plan - Moderate Plan-Growth

This fund retirement saving fund- the moderate plan is an open-ended medium-sized fund of its category. The fund has Rs 1535.34 Crore worth of Assets Under Management as of 28 February 2022. The NAV of the fund as of March 25, 2022, is Rs 46.9733.

Its expense ratio is 0.65%, which is below then it category average as well as the conservative plan. It is a highly risky fund, investors should follow up on the fund's performance before investing in this fund. 

The fund now has a 76.37 percent stock allocation and a 14.99 percent debt exposure. 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.

The financial, technology, energy, consumer staples, and materials 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.

Reliance Industries Ltd., Infosys Ltd., HDFC Bank Ltd., GOI, and Tata Consultancy Services Ltd. are the fund's top five holdings.

Absolute Returns

Absolute Returns

Lump-Sum Returns

TenureConservativeModerate
1 Year7.20%14.77%
2 Year32.46%75.00%
3 Year29.78%46.17%
5 Year50.61%79.59%
Since Inception148.19%287.38%

SIP Returns

SIP TenureConservativeModerate
1 Year1.58%1.84%
2 Year8.53%19.10%
3 Year13.83%26.44%
5 Year23.50%37.70%

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.

Read more about: tata retirement fund mutual fund
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