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Three Retirement Plans - 30s, 40s, and 50s - Compared, Check Out Returns

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All three retirement plans- The 30s Plan, The 40s Plan, and The 50s Plan- are from the one Asset Management Company, Aditya Birla Sun Life Mutual Funds. The name of fund under which these plans comes is Aditya Birla Sun Life Retirement Fund. All three retirement plans are open-ended medium-sized funds of their category launched on 11th March 2019. As all three plans are retirement plans, it has a 5-year lock-in period.

 

Aditya Birla Sun Life Retirement Fund - The 30s Plan - Direct-Growth

Aditya Birla Sun Life Retirement Fund - The 30s Plan - Direct-Growth

This "The 30s Plan" is a Flexi-cap equity retirement fund. It has Rs 236.97 Crores worth of assets under management (AUM). The Net Asset Value (NAV) of this plan declared on 20th April 2022 is Rs 13.392. The fund has an expense ratio of 1.16%, which is higher than its category average expense ratio. 

 It is a highly risky fund for investment. The minimum investment amount required for this fund is Rs 1000 for Lump-Sum payment, whereas, for SIP, it is Rs 500. Since its launch, it has delivered 9.84% average annual returns.

The fund has 97.52% investment in equities of which 62.36% is in large-cap stocks, 14.26% is in mid-cap stocks, and 9.1% is in small-cap stocks. The fund has the majority of its money invested in the Financial, Technology, Healthcare, Consumer Staples, and Automobile sectors. 

Aditya Birla Sun Life Retirement Fund - The 40s Plan - Direct-Growth
 

Aditya Birla Sun Life Retirement Fund - The 40s Plan - Direct-Growth

This "The 40s Plan" is an Aggressive Hybrid retirement fund. Under the Direct-Growth scheme of the plan, it has Rs 93.55 Crores worth of assets under management. The NAV of this plan as of 20th April 2022 is Rs 13.267. The fund has an expense ratio of 1.07%, which is higher than its category average expense ratio. 

It is a highly risky fund for investment. The minimum investment amount required for this fund is Rs 1000 for Lump-Sum payment, whereas, for SIP, it is Rs 500. Since its launch, it has delivered 9.51% average annual returns.

The fund has 78.32% investment in equities of which 48.83% is in large-cap stocks, 13.72% is in mid-cap stocks, and 6.93% is in small-cap stocks. The fund has 12.81% investment in Debt of which 3.93% in Government securities, and 8.87% in funds invested in very low-risk securities. The fund's equity portion is primarily invested in the Financial, Technology, Healthcare, Automobile, and Consumer Discretionary sectors. The debt portion of the fund has low credit quality indicating the quality of borrowers it has lent it to is not too great.

 

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

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

This "The 40s Plan" is a Conservative Hybrid retirement fund. Under the Direct-Growth scheme of the plan, it has Rs 28.9 Crores worth of assets under management. As of 20th April 2022, its NAV is Rs 11.8812. The fund has an expense ratio of 0.64%, which is higher than its category average expense ratio. charge. 

It is a moderate risky fund for investment. The minimum investment amount required for this fund is Rs 1000 for Lump-Sum payment, whereas, for SIP, it is Rs 500. Since its launch, it has delivered 5.69% average annual returns.

The fund has a 24.66% investment in equities of which 15.73% is in large-cap stocks, 2.9% is in mid-cap stocks, and 1.01% in small-cap stocks. The fund has 58.71% investment in Debt of which 40.57% in Government securities, and 18.15% in funds invested in very low-risk securities.

The fund's equity portion is primarily invested in the Financial, Technology, Healthcare, Automobile, and Consumer Discretionary sectors. The debt portion of the fund has moderate credit quality indicating the quality of borrowers it has lent it to is good.

Annualised Returns

Annualised Returns

TenureThe 30s PlanThe 40s PlanThe 50s Plan
1-Year8.42%7.58%2.35%
2-Year23.35%19.48%4.00%
3-Year9.14%9.02%5.68%
Since Inception9.84%9.51%5.69%

Disclaimers

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.

Story first published: Thursday, April 21, 2022, 18:28 [IST]
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