Tata Retirement Savings Fund Moderate Plan Direct-...
(Scheme Rating)
NAV as of Aug 30, 2024
75.920.61%
- Growth - Direct
(Earn upto 1.57% Extra Returns with Direct Plan)
Fund Category:
Hybrid: Aggressive Hybrid
Expense Ratio:
0.60%(0.82% Category
average)Fund Size:
Rs. 2,183.40 Cr(0.90% of Investment in Category)
- Invest in MFADD TO PORTFOLIO
Tata Retirement Savings Fund Moderate Plan Direct-Growth
(Scheme Rating)
NAV as of Aug 30, 2024
75.920.61%
Expense Ratio:
0.60%
Fund Size:
Rs. 2,183.40 Cr
Fund Category:
Hybrid: Aggressive Hybrid
1. Current NAV: The Current Net Asset Value of the Tata Retirement Savings Fund - Moderate Plan - Direct Plan as of Aug 30, 2024 is Rs 75.92 for Growth option of its Direct plan.
2. Returns: Its trailing returns over different time periods are: 33.58% (1yr), 16.82% (3yr), 19.18% (5yr) and 16.98% (since launch). Whereas, Category returns for the same time duration are: 32.69% (1yr), 16.07% (3yr) and 18.06% (5yr).
3. Fund Size: The Tata Retirement Savings Fund - Moderate Plan - Direct Plan currently holds Assets under Management worth of Rs 2183.4 crore as on Jul 31, 2024.
4. Expense ratio: The expense ratio of the fund is 0.6% for Direct plan as on Aug 05, 2024.
5. Exit Load: Tata Retirement Savings Fund - Moderate Plan - Direct Plan shall attract an Exit Load, "Exit load of 1% if redeemed before 61 months."
6. Minimum Investment: Minimum investment required is Rs 5000 and minimum additional investment is Rs 1000. Minimum SIP investment is Rs 500.
Tata Retirement Savings Fund Moderate Plan Direct-Growth Returns
Trailing Returns
Rolling Returns
Discrete Period
SIP Returns
1M 3M 6M 1Y 3Y 5Y Annualized Returns 1.47 13.03 21.10 33.90 16.30 19.34 Category Avg 1.35 10.78 16.43 32.66 15.37 18.27 Rank within Category 23 9 5 18 18 17 No. of funds within Category 44 44 43 41 40 37 - Loading...
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Return Comparison
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Tata Retirement Savings Fund Moderate Plan Direct-Growth Fund Details
Investment Objective - The fund seeks to provide a financial planning tool for long term financial security for investors based on their retirement planning goals.
Fund House | Tata Mutual Fund |
Launch Date | Jan 01, 2013 |
Benchmark | CRISIL Hybrid 25+75 Aggressive Index |
Return Since Launch | 17.04% |
Riskometer | Very High |
Type | Open-ended |
Risk Grade | Average |
Return Grade | Average |
Tata Retirement Savings Fund Moderate Plan Direct-Growth Investment Details
Minimum Investment (Rs.) | 5,000.00 |
Minimum Additional Investment (Rs.) | 1,000.00 |
Minimum SIP Investment (Rs.) | 500.00 |
Minimum Withdrawal (Rs.) | 500.00 |
Exit Load Exit load of 1% if redeemed before 61 months. |
Portfolio Allocation
Equity
Debt
Asset Allocation
Loading...Asset Allocation History
Loading...EquityDebtCashSector Allocation
Loading...Market Cap Allocation
Loading...Concentration & Valuation Analysis
JUL 2024 JUN 2024 MAY 2024 APR 2024 MAR 2024 FEB 2024 Number of Holdings 71 73 76 74 72 73 Top 5 Company Holdings 17.55% 18.23% 18.09% 19.26% 18.97% 19.39% Top 10 Company Holdings 28.25% 28.93% 29.06% 31.44% 30.94% 31.45% Company with Highest Exposure HDFC Bank (5.09%) HDFC Bank (5.49%) HDFC Bank (5.2%) HDFC Bank (5.2%) HDFC Bank (5.11%) HDFC Bank (5.63%) Number of Sectors 15 15 15 15 14 13 Top 3 Sector Holdings 36.04% 36.18% 37.05% 37.61% 38.2% 39.38% Top 5 Sector Holdings 54.84% 55.95% 57.97% 56.64% 55.28% 57.56% Sector with Highest Exposure Consumer Staples (13.02%) Financial (13.23%) Financial (13.2%) Financial (14.31%) Financial (15.04%) Financial (16.04%)
Top Stock Holdings
Sector Holdings in MF
Debt Holdings in Portfolio
Company Sector Assest(%) P/E EPS-TTM(₹) RETURN 1 YR(%) HDFC Bank Financial 5.09 18.27 89.60 3.03 Reliance Industries Energy 4.1 29.72 101.60 25.68 ITC Consumer Staples 3.58 30.65 16.38 14.77 ICICI Bank Financial 2.42 18.65 65.91 26.26 Zomato Services 2.36 - - - Solar Industries India Chemicals 2.34 104.96 102.22 112.67 Tata Consultancy Technology 2.24 35.15 129.55 33.64 Radico Khaitan Consumer Staples 2.17 95.72 20.29 45.38 Mahanagar Gas Energy 2.0 14.79 121.15 73.23 Oil India Energy 1.95 17.74 41.77 296.85
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Peer Comparison
Cumulative Returns
SIP returns
Discrete Returns
Quant Measures
Asset Allocation
Scheme Name NAV(Rs./Unit) Scheme Rating AUM(Rs. Cr) 1M 1Y 3Y 5Y Tata Retirement Savings Fund Moderate Plan Direct-Growth 75.46 2,183.40 1.47 33.90 16.30 19.34 JM Aggressive Hybrid Fund Direct-Growth 145.23 486.95 1.88 52.32 25.72 28.31 Edelweiss Aggressive Hybrid Fund Direct - Growth 70.92 1,951.63 1.84 39.71 21.42 22.39 Quant Absolute Fund Direct-Growth 473.06 2,295.21 -1.16 38.33 20.51 28.46 ICICI Prudential Equity & Debt Fund Direct-Growth 418.03 39,090.93 1.49 39.89 24.17 25.04
Risk Ratios
Ratios are calculated using the calendar month returns for the last 3 years
Standard Deviation
Standard Deviation
Standard deviation is the deviation of the fund's return around mean.
High Volatality
10.35VS10.04Fund Vs Category Avg
Beta
Beta
Beta shows the portfolio risk in relation to the market. A beta of less than 1 means that the fund returns are less volatile compared to the broader market. A beta of more than 1 means that the fund returns are more volatile than the broader markets. A beta equal to 1 means that fund's volatility is in line with the broader market.
High Volatality
0.79VS0.78Fund Vs Category Avg
Sharpe Ratio
Sharpe Ratio
Sharpe ratio is a risk adjusted performance measure. A fund with a higher Sharpe ratio is considered better than a fund with a lower Sharpe ratio.
Poor risk-adjusted returns
1.11VS1.17Fund Vs Category Avg
Treynor's Ratio
Treynor's Ratio
Treynor is a risk adjusted performance measure. A fund with a higher Treynor ratio is considered better than a fund with a lower Treynor ratio.
Poor risk-adjusted returns
14.50VS15.20Fund Vs Category Avg
Jensen's Alpha
Jensen's Alpha
Alpha shows the ability of the fund manager to outperform the market. A higher Alpha is preferred.
Poor risk-adjusted returns
3.22VS3.58Fund Vs Category Avg
Mean Return
Mean Return
Average return generated by the fund during a specified period.
Poor average monthly returns
17.01VS17.25Fund Vs Category Avg
Risk Ratio Chart
- Risk Ratio
- Category Average
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Fund Manager
- M.N.Murthy NagarajanSince Apr 201711 schemes
- S.U.Sonam UdasiSince Apr 20164 schemes
Mr. Nagarajan is a M.Com, ICWA and PGPMS. Prior to joining Tata AMC he has worked with Quantum AMC as head fixed income, Mirae Asset Global Investment India Ltd..
Scheme Name Category Nav(Rs./Unit) Scheme Rating Asset(Rs. Cr) 1Y Tata Multi Asset Opportunities Fund Direct - Growth Multi Asset Allocation 24.38 3,187.72 28.75 Tata Hybrid Equity Fund Direct Plan-Growth Aggressive Hybrid 495.60 4,241.61 30.22 Tata Retirement Savings Fund Progressive Plan Direct-Growth Flexi Cap 80.35 2,099.53 40.25 Tata Short Term Bond Direct Plan-Growth Short Duration 49.36 2,311.88 7.97 Tata Equity Savings Fund Direct-Growth Equity Savings 58.74 157.95 17.52 Tata Retirement Savings Fund Conservative Plan Direct-Growth Conservative Hybrid 35.69 174.93 16.04 Tata Multicap Fund Direct - Growth Multi Cap 15.68 Unrated 3,279.00 33.69 Tata Housing Opportunities Fund Direct - Growth Thematic 17.07 Unrated 637.81 37.64 Tata Business Cycle Fund Direct - Growth Thematic 21.10 Unrated 2,775.86 49.07 Tata Dividend Yield Fund Direct - Growth Thematic-Dividend Yield 19.81 Unrated 1,037.66 42.16 Tata Medium Term Fund Segregated Portfolio 1 Direct - Growth Medium Duration 2.40 Unrated 2.15 - Mr. Udasi is a B.Com and also holds PGDM(Finance). Prior to joining Tata AMC he was associated with ASK Raymond James, JM Financial AMC, Prime Securities, BRICS Securities and IDBI Capital Market Services Ltd.
Scheme Name Category Nav(Rs./Unit) Scheme Rating Asset(Rs. Cr) 1Y Tata Retirement Savings Fund Progressive Plan Direct-Growth Flexi Cap 80.35 2,099.53 40.25 Tata Equity PE Fund Direct-Growth Value Oriented 419.40 8,864.64 56.50 Tata India Consumer Fund Direct-Growth Thematic-Consumption 52.14 2,247.42 45.01 Tata Retirement Savings Fund Conservative Plan Direct-Growth Conservative Hybrid 35.69 174.93 16.04
More Tata Mutual Fund
Scheme Name | Rating | Asset Size(Cr) | 1M | 3M | 6M | 1Y | 3Y |
---|---|---|---|---|---|---|---|
Tata Liquid Fund Direct-Growth | 29,639.40 | 0.60 | 1.85 | 3.62 | 7.29 | 5.39 | |
Tata Money Market Fund Direct-Growth | 16,515.32 | 0.74 | 1.98 | 3.78 | 7.93 | 5.91 | |
Tata Arbitrage Fund Direct - Growth | 10,151.81 | 0.67 | 2.28 | 4.09 | 8.32 | 6.18 | |
Tata Digital India Fund Direct-Growth | 10,068.22 | -1.31 | 10.59 | 17.14 | 37.16 | 20.37 | |
Tata Balanced Advantage Fund Direct - Growth | 8,729.74 | 2.27 | 6.86 | 11.33 | 25.12 | 14.16 | |
Tata Equity PE Fund Direct-Growth | 7,255.96 | 1.41 | 9.94 | 21.11 | 48.31 | 22.92 | |
Tata Large & Mid Cap Fund Direct Plan-Growth | 6,619.55 | 1.35 | 7.10 | 10.66 | 33.68 | 18.40 | |
Tata Small Cap Fund Direct - Growth | 6,289.22 | -2.00 | 1.64 | 8.52 | 36.51 | 29.58 | |
Tata ELSS Tax Saver Fund Direct-Growth | 4,016.44 | 0.67 | 4.84 | 10.43 | 32.55 | 17.11 | |
Tata Hybrid Equity Fund Direct Plan-Growth | 3,693.58 | 1.86 | 6.74 | 10.33 | 24.74 | 14.69 |
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1. Tata Retirement Savings Fund - Moderate Plan - Direct Plan is Open-ended Aggressive Hybrid Hybrid scheme which belongs to Tata Mutual Fund House.
2. The fund was launched on Jan 01, 2013.
Investment objective & Benchmark
1. The investment objective of the fund is that " The fund seeks to provide a financial planning tool for long term financial security for investors based on their retirement planning goals. "
2. It is benchmarked against CRISIL Hybrid 25+75 Aggressive Index.
Asset Allocation & Portfolio Composition
1. The asset allocation of the fund comprises around 83.36% in equities, 8.5% in debts and 8.14% in cash & cash equivalents.
2. While the top 10 equity holdings constitute around 28.25% of the assets, the top 3 sectors constitute around 36.04% of the assets.
3. The fund largely follows a Growth oriented style of investing and invests across market capitalisations - around 0.0% in giant & large cap companies, 0.0% in mid cap and 0.0% in small cap companies.
4. The portfolio allocation of debt securities primarily have 2 kinds of risks: interest rate risk & credit risk. While the interest rate movements are driven by the fund's duration, credit quality of debt securities are based on the weighted average credit ratings of a fund. Generally, funds with high credit quality will have the weighted average credit rating of AA- and higher rated securities, funds with medium credit quality will hold securities having credit rating lying between A- to BBB- and funds with low credit quality will hold securities having average credit rating of less than BBB-. Credit rating is a qualitative tool that basically assesses the creditworthiness and financial soundness of a company and takes into consideration several factors including the default rate and solvency of the concerned business entity.
Tax Implications on Tata Retirement Savings Fund Moderate Plan Direct-Growth
Hybrid funds which usually invest 65% or more in equity & equity-related instruments will be taxed like Equity funds and those which invest up to 35% in equity & equity-related instruments will be taxed like the new taxation structure of debt funds. Also, the hybrid funds which invest between 35-65% in equity & equity-related instruments will be taxed as per the old taxation structure of debt funds. Generally, tax implications are based on the average asset allocation of the last 12 months in which the fund has invested. However, since the market is dynamic, asset allocation towards equity may increase or decrease depending on the prevailing market & economic conditions. So, the tax treatment of the given fund will vary accordingly and will be determined by its asset allocation. Below are the tax implications from the equity as well as debt side:
For Hybrid funds with 65% and above allocation in equity & equity related instruments:
1. Gains are taxed at a rate of 15% (Short-term Capital Gain Tax - STCG) if units are redeemed within 1 year of investment.
2. For units redeemed after 1 year of investment, gains of up to Rs. 1 lakh accruing from those units in a financial year shall be exempted from tax.
3. Gains of more than Rs. 1 lakh will be taxed at a rate of 10% (Long-term Capital Gain Tax - LTCG).
For Hybrid funds with 35-65% allocation in equity & equity related instruments:
1. If units are redeemed within 3 years of investment, the whole gain will be added to the investor's income and taxed as per his/her applicable slab rate.
2. For units redeemed after 3 years of investment, gains will be taxed at a rate of 20% post-indexation benefits. Indexation is a process of recalculating the purchase price after accounting for inflation into it. The benefit of indexation lies in lowering one's capital gains which brings down the taxable income and thereby reduces taxes on it.
For Hybrid funds with 0-35% allocation in equity & equity related instruments:
Capital Gains Tax Implications:
If the investment is made after Apr 1, 2023:
1. The entire amount of gain will be added to the investor's income (irrespective of the period of investment) and will be taxed as per his/her applicable slab rate.
If the investment is made before Apr 1, 2023:
1. If units are redeemed within 3 years of investment, the whole gain will be added to the investor's income and taxed as per his/her applicable slab rate.
2. For units redeemed after 3 years of investment, gains will be taxed at a rate of 20% post-indexation benefits. Indexation is a process of recalculating the purchase price after accounting for inflation into it. The benefit of indexation lies in lowering one's capital gains which brings down the taxable income and thereby reduces taxes on it.
Dividend Tax Implications:
1. For Dividend Distribution Tax, the dividend income from this fund will get added to an investor’s income and taxed according to his/her respective tax slabs.
2. Also, for dividend income more than Rs 5,000 in a financial year; the fund house shall deduct a TDS of 10% on such income.
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FAQs about Tata Retirement Savings Fund Moderate Plan Direct-Growth
- Is it safe to invest in Tata Retirement Savings Fund - Moderate Plan - Direct Plan?As per SEBI’s latest guidelines to calculate risk grades, investment in the Tata Retirement Savings Fund - Moderate Plan - Direct Plan comes under Very High risk category.
- What is the category of Tata Retirement Savings Fund - Moderate Plan - Direct Plan?Tata Retirement Savings Fund - Moderate Plan - Direct Plan belongs to the Hybrid : Aggressive Hybrid category of funds.
- How Long should I Invest in Tata Retirement Savings Fund - Moderate Plan - Direct Plan?The suggested investment horizon of investing into Tata Retirement Savings Fund - Moderate Plan - Direct Plan is >3 years. The suggested investment horizon is the minimum time required for holding investments in the fund to reduce its downside risk and ensure that the returns become more predictable.
- Who manages the Tata Retirement Savings Fund - Moderate Plan - Direct Plan?The Tata Retirement Savings Fund - Moderate Plan - Direct Plan is managed by Murthy Nagarajan (Since Apr 01, 2017) and Sonam Udasi (Since Apr 01, 2016).
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