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Top Rated Regular Savings Fund, Offered 19.41% Returns On 5-Years SIP
Conservative hybrid funds invest mostly in debt and have little equity exposure. These funds are designed for investors who want to put a modest portion of their money into equity and earn a higher return. If you're looking for a ready-made scheme to assist you to get a tiny amount of equity exposure, here's a conservative hybrid that has also offered promising returns on SIP investments.
HSBC Regular Savings Plan - Direct Plan-Growth
The regular savings fund is a Conservative Hybrid Fund from the HSBC Mutual Fund. It is an open-ended medium-sized fund of its category. The fund Asset under Management size is worth Rs 94.66 crore. Whereas, the fund has a Net Asset Value (NAV) declared on 13th May 2022. The expense ratio of the fund is 0.91%. whereas the category average expense ratio is 0.87%.
It is a moderately high-risk fund, however, the fund is rated 4-star by the rating agency CRISIL. The fund is also rated 3-start by the value research. The fund's benchmark is CRISIL Hybrid 85+15 Conservative Index. One can start investing in this fund by investing a minimum of Rs 5,000, while, to start SIP, one can start with a minimum investment amount of RS 500. The Lock-in period is not applicable in this fund.
Absolute & Annualised Returns
Lump-Sum Investment Returns
Since its launch, it has delivered 8.35% average annual returns.
| Tenure | Absolute Returns | Annualised Returns |
|---|---|---|
| 1 Year | 3.85% | 3.84% |
| 2 Year | 21.42% | 10.19% |
| 3 Year | 29.29% | 8.93% |
| 5 Year | 37.36% | 6.55% |
| Since Inception | 111.41% | 8.35% |
SIP Returns
| Tenure | Absolute Returns | Annualised Returns |
|---|---|---|
| 1 Year | -2.07% | -3.81% |
| 2 Year | 4.33% | 4.14% |
| 3 Year | 10.35% | 6.51% |
| 5 Year | 19.41% | 7.03% |
Portfolio
The fund has 23.65% investment in equities of which 14.1% is in large-cap stocks, 3.6% is in mid-cap stocks, and 3.11% in small-cap stocks. The fund has 66.22% investment in Debt of which 66.22% is in Government securities.
The fund's equity portion is primarily invested in the Financial, Technology, Energy, Healthcare, and Automobile sectors. The debt portion of the fund has moderate credit quality indicating the quality of borrowers it has lent it to is good.
The fund's top holdings are in Government of India, Rajasthan State, HDFC Bank Ltd., ICICI Bank Ltd., and Infosys Ltd.
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.
