Axis Retirement Savings Fund

Fund in Brief

The Axis Retirement Savings Fund has been in the market for over two years, managed by the Axis Mutual Fund. To maintain a balance between returns and safety, the fund invests 20%-100% of your money in equity shares, depending on the plan category and the balance in debt securities, gold ETF, or securities issued by REITs & InvITs.

The fund is an Open-ended Aggressive Hybrid scheme and is offered in three types of plan categories:

• Axis Retirement Savings Fund Aggressive plan

• Axis Retirement Savings Fund Conservative plan

• Axis Retirement Savings Fund Dynamic plan

These are further offered in two plans:

• Regular Plan

• Direct Plan

These options are further offered in three plans:

• Growth option

• Income Distribution and Cash Withdrawal (IDCW) option

Axis Retirement Savings Fund Facts

Investment Objective

The primary objective of the Axis Retirement Savings Fund is to give long-term wealth creation solutions and income by investing in a mix of debt, equity, and other instruments to assist investors in meeting their retirement goals. 

The fund pursues a philosophy of bottom-up investing in high-quality stocks, thus providing an opportunity for potential capital appreciation of equity and steadiness of debt. The fund’s composition comprises financials, chemicals, consumer staples, consumer discretionary, automobile, and technology. 

The mutual fund house regularly monitors the economic situation and the market outlook to ensure the stable performance of the fund. 

Fund Summary

1. Axis Retirement Savings Fund - Aggressive Plan - Regular Plan-Growth

   • Risk: Very High

   • Expense Ratio (as of January 31, 2022): 2.28% 

   • Net Asset Value (NAV): INR 12.63 (as of February 28, 2022)

   • Returns: 5.75% (1 year)

   • Compound Annual Growth Rate (CAGR): 11.23% p.a. (since inception)

2. Axis Retirement Savings Fund - Aggressive Plan - Regular Plan - IDCW

   • Risk: Very High

   • Expense Ratio (as of January 31, 2022): 2.28% 

   • Net Asset Value (NAV): INR 12.64 (as of February 28, 2022)

   • Returns: 5.74% (1 year)

   • Compound Annual Growth Rate (CAGR): 11.27% p.a. (since inception)

3. Axis Retirement Savings Fund - Aggressive Plan - Direct Plan-Growth

   • Risk: Very High

   • Expense Ratio (as of January 31, 2022): 0.59% 

   • Net Asset Value (NAV): INR 13.12 (as of February 28, 2022)

   • Returns: 7.59% (1 year)

   • Compound Annual Growth Rate (CAGR): 13.17% p.a. (Since inception)

4. Axis Retirement Savings Fund - Aggressive Plan - Direct Plan - IDCW

   • Risk: Very High

   • Expense Ratio (as of January 31, 2022): 0.59% 

   • Net Asset Value (NAV): INR 13.09 (as of February 28, 2022)

   • Returns: 7.52% (1 year)

   • Compound Annual Growth Rate (CAGR): 13.05% p.a. (Since inception)

5. Axis Retirement Savings Fund - Dynamic Plan - Regular Plan-Growth

   • Risk: Very High

   • Expense Ratio (as of January 31, 2022): 2.35% 

   • Net Asset Value (NAV): INR 13.11 (as of February 28, 2022)

   • Returns: 8.93% (1 year)

   • Compound Annual Growth Rate (CAGR): 13.13% p.a. (since inception)

6. Axis Retirement Savings Fund - Dynamic Plan - Regular Plan - IDCW

   • Risk: Very High

   • Expense Ratio (as of January 31, 2022): 2.35% 

   • Net Asset Value (NAV): INR 13.11 (as of February 28, 2022)

   • Returns: 8.93% (1 year)

   • Compound Annual Growth Rate (CAGR): 14.59% p.a. (since inception)

7. Axis Retirement Savings Fund - Dynamic Plan - Direct Plan-Growth

   • Risk: Very High

   • Expense Ratio (as of January 31, 2022): 0.53% 

   • Net Asset Value (NAV): INR 13.65 (as of February 28, 2022)

   • Returns: 11.00% (1 year)

   • Compound Annual Growth Rate (CAGR): 15.23% p.a. (Since inception)

8. Axis Retirement Savings Fund - Dynamic Plan - Direct Plan - IDCW

   • Risk: Very High

   • Expense Ratio (as of January 31, 2022): 0.53% 

   • Net Asset Value (NAV): INR 13.53 (as of February 28, 2022)

   • Returns: 10.93% (1 year)

   • Compound Annual Growth Rate (CAGR): 14.77% p.a. (Since inception)

9. Axis Retirement Savings Fund - Conservative Plan - Regular Plan-Growth

   • Risk: High

   • Expense Ratio (as of January 31, 2022): 2.08% 

   • Net Asset Value (NAV): INR 12.4167 (as of February 28, 2022)

   • Returns: 8.07% (1 year)

   • Compound Annual Growth Rate (CAGR): 10.35% p.a. (since inception)

10. Axis Retirement Savings Fund - Conservative Plan - Regular Plan - IDCW

    • Risk: High

    • Expense Ratio (as of January 31, 2022): 2.08%

    • Net Asset Value (NAV): INR 12.4159 (as of February 28, 2022)

    • Returns: 8.07% (1 year)

    • Compound Annual Growth Rate (CAGR): 10.36% p.a. (since inception)

11. Axis Retirement Savings Fund - Conservative Plan - Direct Plan-Growth

    • Risk: High

    • Expense Ratio (as of January 31, 2022): 0.39% 

    • Net Asset Value (NAV): INR 12.9045 (as of February 28, 2022)

    • Returns: 9.96% (1 year)

    • Compound Annual Growth Rate (CAGR): 12.32% p.a. (Since inception)

12. Axis Retirement Savings Fund - Conservative Plan - Direct Plan - IDCW

    • Risk: High

    • Expense Ratio (as of January 31, 2022): 0.39% 

    • Net Asset Value (NAV): INR 12.8108 (as of February 28, 2022)

    • Returns: 9.82% (1 year)

    • Compound Annual Growth Rate (CAGR): 11.95% p.a. (Since inception)

Fund Return Summary

1. Axis Retirement Savings Fund – Aggressive Plan - Regular plan - Growth

   Tenure	Percentage return
   1 year	5.75%
   2 years	12.25%
   Since inception	11.23%

2. Axis Retirement Savings Fund – Aggressive Plan - Regular plan - IDCW

   Tenure	Percentage return
   1 year	5.74%
   2 years	12.30%
   Since inception	11.27%

3. Axis Retirement Savings Fund – Aggressive Plan - Direct plan - Growth

   Tenure	Percentage return
   1 year	5.75%
   2 years	14.18%
   Since inception	11.23%

4. Axis Retirement Savings Fund – Aggressive Plan - Direct plan - IDCW

   Tenure	Percentage return
   1 year	5.74%
   2 years	14.05%
   Since inception	11.27%

5. Axis Retirement Savings Fund – Dynamic Plan - Regular plan - Growth

   Tenure	Percentage return
   1 year	8.93%
   2 years	14.59%
   Since inception	13.13%

6. Axis Retirement Savings Fund – Dynamic Plan - Regular plan - IDCW

   Tenure	Percentage return
   1 year	8.93%
   2 years	14.59%
   Since inception	13.13%

7. Axis Retirement Savings Fund – Dynamic Plan - Direct plan - Growth

   Tenure	Percentage return
   1 year	11.00%
   2 years	16.75%
   Since inception	15.23%

8. Axis Retirement Savings Fund – Dynamic Plan - Direct plan - IDCW

   Tenure	Percentage return
   1 year	10.93%
   2 years	16.29%
   Since inception	14.77%

9. Axis Retirement Savings Fund – Conservative Plan - Regular plan - Growth

   Tenure	Percentage return
   1 year	8.07%
   2 years	10.35%
   Since inception	10.37%

10. Axis Retirement Savings Fund – Conservative Plan - Regular plan - IDCW

    Tenure	Percentage return
    1 year	8.07%
    2 years	10.35%
    Since inception	10.36%

11. Axis Retirement Savings Fund – Conservative Plan - Direct plan - Growth

    Tenure	Percentage return
    1 year	9.96%
    2 years	12.28%
    Since inception	12.32%

12. Axis Retirement Savings Fund – Conservative Plan - Direct plan - IDCW

    Tenure	Percentage return
    1 year	9.82%
    2 years	11.91%
    Since inception	11.95%

    Note: Returns are subject to change. The unitholder bears the risk in the investment portfolio.

Pros and Cons

Benefits of the Axis Retirement Savings Fund

If you wish to invest in this fund, you should know about the following benefits of the Axis Retirement Savings Fund:

• Dual Benefits: The fund provides a combination of long-term value creation and opportunities to generate income. One should invest in this fund for a period not less than five years, ready to withstand price volatility.

• Lower Relative Volatility: The NAVs of hybrid funds tend to be less volatile than pure equity funds when the broader stock markets decline because of significant debt allocation. These funds are suitable for investors who prefer conservative equity allocation.

Who Should Invest in the Axis Retirement Savings Fund?

The fund is appropriate for investors who seek:

• Balanced Asset Allocation: Although the fund falls in the high-risk category and is susceptible to fluctuations in NAV in the short to medium term, it is suited for investors who prefer a balanced asset allocation approach.

• Twin Benefits: The fund provides twin benefits of long-term capital appreciation and steady income opportunities, making it a great investment option for potential retirees.

FAQ's