The Tata Retirement Savings Fund - managed by the Tata Mutual Fund (Tata MF) - has been in the market for more than a decade. To maintain a balance between promising returns and safety of investment, the fund invests 65%-80% of your money in equity shares and the balance in debt and money market instruments.Read more
Guaranteed Tax SavingsUnder sec 80C & 10(10D)
₹ 1 CroreInvest 10k Per Month*
Zero LTCG TaxUnlike 10% in Mutual Funds
*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
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The fund is an open-ended aggressive hybrid scheme and is offered in two types of plans:
Tata Retirement Savings Fund - Regular Plan
Tata Retirement Savings Fund - Direct Plan
These plans are further offered in two categories:
|Fund House||Tata Mutual Fund House|
|Asset Management Company||Tata Asset Management Private Limited|
|Launch date||November 01, 2011|
|Benchmark||CRISIL Hybrid 25+75 Aggressive Index|
|Investment amount||Minimum investment: INR 5,000|
|Exit load||1% for redemption within 61 months|
The primary objective of the Tata Retirement Savings Fund is to be a financial planning tool for the long-term financial security of investors based on their retirement planning goals. The composition of the fund comprises 77.33% in equities, 15.85% in debts, and 6.83% in cash & cash equivalents. The top 3 sectors comprise 38.5% of the fund, with the top 10 equity holdings comprising 35.18% of the fund. The fund primarily follows a growth-oriented style of investing and invests across market capitalization. It presently invests 67.33% in giant & large-cap companies, 26.74% in mid-cap, and 5.92% in small-cap companies.
The mutual fund house constantly monitors the economic conditions and the market fluctuations to ensure the stable performance of the fund. Investments are made only when the securities show promising return trends. The constant monitoring also helps the fund house invest in the market when conditions are most favorable that yield positive results.
Expense Ratio (as of January 31, 2022): 2.12%
Net Asset Value (NAV): INR 40.7936 (as of February 28, 2022)
Returns: 11.04% (5 year)
Compound Annual Growth Rate (CAGR): 14.57% p.a. (since inception)
Expense Ratio (as of January 31, 2022): 0.64%
Net Asset Value (NAV): INR 46.3064 (as of February 28, 2022)
Returns: 12.57% (5 year)
Compound Annual Growth Rate (CAGR): 15.76% p.a. (since inception)
Risk: Below Average
Expense Ratio (as of January 31, 2022): 2.23%
Net Asset Value (NAV): INR 40.14 (as of February 28, 2022)
Returns: 12.05% (5 year)
Compound Annual Growth Rate (CAGR): 14.39% p.a. (since inception)
Risk: Below Average
Expense Ratio (as of January 31, 2022): 0.3%
Net Asset Value (NAV): INR 46.3489 (as of February 28, 2022)
Returns: 13.74% (5 year)
Compound Annual Growth Rate (CAGR): 15.59% p.a. (since inception)
*Returns are subject to change.
*The investment risk in the investment portfolio is borne by the policyholder.
|Generates promising returns over the long term||Not suitable for short term investment goals|
|Moderately lower risk than pure equity-based funds||Higher expense ratio|
|The fund provides a return that is higher than fixed deposits and the inflation rate over 5 years or more||The fund is riskier than fixed deposits and is vulnerable to price volatility.|
The Tata Retirement Savings Fund has the following benefits:
Effective Combination: The fund provides a combination of long-term wealth creation and income generation opportunities. Notwithstanding the price volatility, one should invest in this fund for a period not less than five years.
Lower Volatility: NAVs of such funds tend to fall lesser than pure equity funds when the broader stock markets decline due to significant debt allocation. These funds are suitable for equity investors who prefer conservative equity allocation.
The fund is best suited for investors who are looking for:
Conservative asset allocation
Income generation as well as wealth creation
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