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This Retirement Fund's Two Plans - Conservative & Aggressive Plans- Are Good For SIP

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Retirement planning is a multi-step process that takes time to complete. To have a comfortable, secure, and enjoyable retirement, you must first develop the financial cushion that will cover it all. In this article, we have analysed two schemes Conservative and Aggressive Plans of one retirement fund. Both schemes of this fund are retirement saving scheme that seeks to provide long-term capital appreciation or income by investing in a mix of equity and debt instruments to help investors meet their retirement goals. Check out the details to know more!

 

HDFC Retirement Saving Fund-Hybrid-Debt Plan- Direct Plan
 

HDFC Retirement Saving Fund-Hybrid-Debt Plan- Direct Plan

This scheme was launched on 26th February 2016 by HDFC Mutual Funds. This is a Conservative Hybrid mutual fund scheme that seeks to offer long-term capital gains by investing in both or mix of debt and equity instruments. The Fund's - Hybrid Debt Plan Direct-Growth has worth Rs 151.56 Crores assets under management (AUM). The scheme's NAV dated 5th March 2022 is Rs 17.9218.

The scheme has an expense ratio of 0.82%, which is close to the category average and what most other Conservative Hybrid funds charge. It is an open-ended and moderately risky fund of its category. It is also a medium-sized fund of its category. The minimum investment amount required for lump-sum payment in this scheme is Rs 5,000, whereas, the amount is Rs 500.

The scheme's debt investments account for the vast bulk of its investments. The fund now has 13.95 per cent of its assets in Indian stocks. Debt accounts for 58.79 per cent of the fund's holdings. The equity element of the fund is predominantly invested in the financial, energy, capital goods, healthcare, and services sectors. In comparison to other funds in the category, it has acquired less exposure in the financial and energy industries.
The fund's top holdings are GOI, Tata Motor Finance Ltd., Vedanta Ltd., and Indian Railway Finance Corp. Ltd., and Housing Development Finance Corp. Ltd.

HDFC Retirement Saving Fund-Hybrid-Equity Plan- Direct Plan

HDFC Retirement Saving Fund-Hybrid-Equity Plan- Direct Plan

This scheme was launched on 25th February 2016 by the HDFC Mutual fund. It is an aggressive hybrid mutual fund scheme that also seeks to invest in a mix of both Debt And Equity for capital appreciation. The Fund's Hybrid Equity Plan Direct-Growth plan has Rs 767.21 Crores worth of AUM (assets under management). The Recent declared NAV or Net Assets Value dated 05th April 2022 is Rs 27.494.

It is an open-ended medium-sized fund of its category. The scheme is highly risky as it is a majority equity scheme. The scheme has an expense ratio of 1.17%, which is higher than its category average expense ratio. For investment in this scheme, the minimum amount required is Rs 5000 and for SIP the amount is Rs 500.

The majority of this scheme's investment is in equity. The fund now has a 67.17 per cent allocation to equities and a 22.32 per cent exposure to debt. The equity element of the fund is predominantly invested in the financial, technology, energy, capital goods, and healthcare sectors. In comparison to other funds in the category, it has acquired less exposure in the financial and technology industries.

The fund's top holdings include the Government of India, HDFC Bank Ltd., ICICI Bank Ltd., Infosys Ltd., and Reliance Industries Ltd.

Annualised Returns

Annualised Returns

HDFC Retirement Saving Fund-Hybrid-Debt Plan- Direct Plan

Lump-Sum Returns

1 Year2 Year3 Year5 YearSince Inception
8.61%13.09%9.26%8.28%9.98%

SIP Returns

1 Year2 Year3 Year5 Year
5.91%9.73%9.65%8.86%

HDFC Retirement Saving Fund-Hybrid-Equity Plan- Direct Plan

Lump-Sum Returns

1 Year2 Year3 Year5 YearSince Inception
19.64%38.93%15.61%13.87%18.00%

SIP Returns

1 Year2 Year3 Year5 Year
11.27%25.58%21.45%16.40%

Disclaimer

Mutual fund/Retirement 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: hdfc retirement fund mutual funds
Story first published: Wednesday, April 6, 2022, 10:35 [IST]
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