Tata Retirement Savings Fund is an open-ended retirement solution-oriented plan with a lock-in of 5 years or till the age of retirement, whichever is earlier. The fund offers three options: Progressive Plan, with an equity exposure range of 85% to 100%, Moderate Plan, with an equity exposure range of 65% to 85%, and Conservative Plan, with an exposure range of 65% to 85%. 70% to 100% of the loan. The fund is rated 3 Star by Value Research. The Fund was launched on November 1, 2011 and as a result, it successfully celebrated its 11th anniversary. Let’s now evaluate the historical performance of the Fund’s Progressive Plan, Moderate Plan, and Conservative Plan.
Performance of Tata Retirement Savings Fund – Progressive Plan
The fund has given a return of 5.58% in last one year; Thus, a monthly SIP 10,000 would have boosted your total investment 1.20 Lakh onwards 1.23 lakhs. The fund has given a return of 13.32% in last three years; Hence, a monthly SIP 10,000 will increase your total investment by 3.60 Lakh onwards 4.38 lakhs. Due to the fund’s return of 11.38% in last five years, monthly SIP 10,000 to accelerate your actual investment from 6 lakhs 7.98 lakhs. In the last 7 years, the fund has given a return of 11.87%, hence the monthly SIP 10,000 your total investment would have been in 8.40 lakhs 12.82 lakhs.
As the fund has given returns of 13.20% in last ten years as monthly SIP 10,000 will max out your total investment from 12 lakhs 23.89 Lakhs. your entire investment would have been 13.10 lakhs 28.33 Lakh with monthly SIP of Rs. 10,000 as per the fund’s annualized returns of 13.44% since its inception. As on 31st October 2022, the fund registered a Net AUM of Rs. 1647.52 Crore and Monthly Average AUM 1623.51 cr. Top 5 holdings of the fund are ICICI Bank, HDFC Bank, Reliance Industries, ITC and SBI Cards. The fund’s top 5 sector allocations are exposed to financial services, consumer durables, capital goods, fast moving consumer goods and consumer services. The fund is benchmarked against the Nifty 500 TRI Index.
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Performance of Tata Retirement Savings Fund – Medium Plan
Due to the fund’s return of 6.01% during the last year, Monthly SIP 10,000 will boost your total investment 1.20 Lakh onwards 1.23 lakhs. The fund has given a return of 12.77% in last three years; Hence, a monthly SIP 10,000 would have now expanded your entire investment 3.60 Lakh onwards 4.35 lakhs. Due to the fund’s 10.92% returns in last five years, monthly SIP 10,000 would have skyrocketed your total investment now from 6 lakhs 7.89 lakhs.
In the last 7 years, the fund has given a return of 11.13%, hence the monthly SIP 10,000 Now your total investment would be in 8.40 lakhs 12.48 lakhs. Given that the fund has given a return of 12.82% in the last ten years, the monthly SIP 10,000 would have expanded your total investment from 12 lakhs 23.40 Lakhs. your entire investment 13.10 lakh would have been done now 27.90 lakh thanks to a monthly SIP of Rs. 10,000 considering that the annualized return of the fund is 13.18%. The fund is benchmarked against CRISIL Hybrid 25+75 – Aggressive Index. The Net AUM of the Fund is Rs. 1647.52 Crore as on October 31, 2022 and an average AUM of Rs. 1623.51 crore on a monthly basis.
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Performance of Tata Retirement Savings Fund – Conservative Plan
Since the fund’s inception, it has given an annualized return of 7.88%; Hence, a monthly SIP 10,000 will now accelerate your entire investment 13.10 Lakh onwards 20.45 lakhs. The fund is benchmarked against CRISIL Short Term Debt Hybrid 75+25 Fund Index. As on October 31, 2022, the Net AUM of the fund is Rs. 183.84 Crore and an average monthly AUM of Rs. 183.03 cr. Tata Retirement Savings Fund – Conservative plan with an exposure of 40.52% in Government Securities, 29.48% in Equity, 15.88% in NCDs, 8.02% in Cash & Cash Equivalents, 4.16% in Floating Rate Bonds and 1.94% in State Development Loans in the conservative plan.
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Tata Retirement Savings Fund is managed by Sonam Udasi (Management since 1-Apr-16 and overall experience of 24 years) (Equity) and Murthy Nagarajan (Management since 1-Apr-17 and overall experience of 25 years) (Debt) Is.