Other Solution Oriented - Retirement Fund Moderately High Risk Fund Managers: Srinivasan Ramamurthy, Anupam Joshi, Nandita Menezes, Arun Agarwal
Other Solution Oriented - Retirement Fund Moderately High Risk
The investment objective of the Scheme is to provide long-term capital appreciation / income by investing in a mix of equity and debt instruments to help investors meet their retirement goals. There is no assurance that the investment objective of the Scheme will be realized.
Expert-managed portfolios tailored to your financial goals.
Estimation is based on the past performance
| Solution Oriented - Retirement Fund | 1M | 3M | 6M | 9M | 1Y | 2Y | 3Y | 4Y | 5Y | 10Y | ALL |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Fund returns | 2.02% | -1.35% | -1.53% | -0.71% | 1% | 4.36% | 7.01% | 7.14% | 6.78% | 7.55% | 7.81% |
| Category returns | 2.62% | -0.75% | -1% | -0.06% | 1.65% | 4.96% | 7.73% | 7.1% | 6.7% | 7.77% | N/A |
| Absolute returns | 2.02% | -1.35% | -1.53% | -0.71% | 1% | 8.9% | 22.6% | 31.83% | 38.87% | 107.06% | 115.1% |
| Rank within category | 10 | 8 | 7 | 8 | 8 | 9 | 8 | 6 | 6 | 4 | N/A |
| Total Schemes in Category | 12 | 12 | 12 | 12 | 12 | 12 | 12 | 12 | 12 | 5 | N/A |
| Solution Oriented - Retirement Fund | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Yearly returns | N/A | 12.35% | 0.68% | 7.57% | 10.44% | 8.69% | 3.7% | 11.16% | 9.86% | 5.19% | -2.04% |
| Q1 returns | N/A | 4.21% | -1.12% | 2.67% | -3.21% | 1.32% | -0.41% | 0.81% | 2.78% | 0.35% | -3.97% |
| Q2 returns | 3% | 2.7% | -1.23% | 1.72% | 4.07% | 3.57% | -1.76% | 4.48% | 3.85% | 3.45% | 2.01% |
| Q3 Returns | 5.26% | 1.93% | 0.53% | 0.74% | 3.22% | 2.54% | 3.41% | 2.14% | 3.83% | -0.46% | N/A |
| Q4 Returns | 1.01% | 2.99% | 2.53% | 2.24% | 6.23% | 1.01% | 2.49% | 3.32% | -0.87% | 1.8% | N/A |
Expense ratio: 2.16%
Inclusive of GST
Exit load
NIL - Upon completion of Lock-in Period
| Alpha | 0.0725417 |
| Beta | 0.8854 |
| Sharpe Ratio | 0.0833186 |
| Sortino Ratio | 0.161299 |
| R-Squared | 0.36 |
| Tracking Error | 0.8736 |
| Downside Risk | 5.3745 |
| Std. Deviation (Annualised) | 3.7681 |
| Solution Oriented - Retirement Fund | 1M | 3M | 6M | 9M | 1Y | 3Y | 5Y | 10Y | ALL | Fund Size (Cr) | Expense Ratio | Sharpe | Risk |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ICICI Prudential Retirement Fund - Hybrid Conservative Plan - Growth | 2.18% | -0.72% | 0.97% | 3.24% | 6.66% | 10.65% | 8.02% | 0% | 8.41% | 88.92 | 2.12 | 0.33 | Moderately High |
| UTI Retirement Fund | 3.56% | -1.7% | -1.6% | -0.41% | 1.52% | 10.33% | 10.22% | 9.25% | 10.1% | 4,475.57 | 1.70 | 0.22 | High |
| Franklin India Retirement Fund - Growth | 2.8% | -1.65% | -3.17% | -2.13% | 0.6% | 8.99% | 7.42% | 7.8% | 11.12% | 484.75 | 2.28 | 0.15 | High |
| Axis Retirement Fund - Conservative Plan - Regular Plan - Growth | 2.64% | -2.33% | -2.68% | -1.34% | -1.27% | 8.41% | 6.31% | 0% | 7.33% | 46.69 | 2.15 | 0.12 | High |
| SBI Retirement Benefit Fund - Conservative Hybrid Plan - Regular Plan - Growth | 4.75% | -0.57% | -2.03% | -1.06% | 1.1% | 8.06% | 8.48% | 0% | 8.61% | 248.15 | 1.65 | 0.11 | High |
| Tata Retirement Savings Fund Conservative Plan - Growth | 4.41% | 0.61% | -0.19% | 0.58% | 3.03% | 7.82% | 6.25% | 7.6% | 8.33% | 157.87 | 2.19 | 0.09 | Moderately High |
| Aditya Birla Sun Life Retirement Fund - The 50s Plan - Regular Plan - Growth | 2.63% | 0.14% | -0.06% | 1.66% | 3.84% | 7.79% | 5.55% | 0% | 5.64% | 25.64 | 1.93 | 0.12 | Moderately High |
| HDFC Retirement Savings Fund - Hybrid-Debt Plan - Regular Plan - Growth Current | 2.02% | -1.35% | -1.53% | -0.71% | 1% | 7.01% | 6.78% | 7.55% | 7.81% | 153.89 | 2.16 | 0.08 | Moderately High |
| SBI Retirement Benefit Fund - Conservative Plan - Regular Plan - Growth | 3.07% | -0.57% | -1.11% | -0.68% | 0.67% | 6.86% | 6.83% | 0% | 6.98% | 146.27 | 1.38 | 0.06 | Moderate |
| Nippon India Retirement Fund - Income Generation Scheme - Growth | 2.27% | -1.53% | -2.42% | -2.72% | -2.14% | 6.36% | 5.69% | 6.65% | 6.27% | 138.28 | 2.08 | 0.04 | Moderately High |
| Instrument Allocation | Instrument | Assets % |
|---|---|---|
|
|
Cash & Cash Equivalents and Net Assets | 19.97% |
| Government Securities | 33.34% | |
| Corporate Debt | 9.96% | |
| Domestic Equities | 36.73% |
| Sector Allocation | Sector | Assets % |
|---|---|---|
| Others | 63.27% | |
| Construction | 6.77% | |
| Petroleum Products | 6.03% | |
| IT - Software | 6.63% | |
| Banks | 6.73% | |
| Telecom - Services | 0.93% | |
| Automobiles | 0.86% | |
| Insurance | 1.24% | |
| Transport Services | 0.80% | |
| Power | 0.58% | |
| Pharmaceuticals & Biotechnology | 1.09% | |
| Diversified FMCG | 0.47% | |
| Industrial Products | 0.97% | |
| Healthcare Services | 0.34% | |
| Auto Components | 1.03% | |
| Fertilizers & Agrochemicals | 0.33% | |
| Gas | 0.30% | |
| Entertainment | 0.30% | |
| Transport Infrastructure | 0.28% | |
| Cement & Cement Products | 0.24% | |
| Electrical Equipment | 0.23% | |
| Consumer Durables | 0.22% | |
| Beverages | 0.16% | |
| Industrial Manufacturing | 0.14% | |
| IT - Services | 0.10% |
| Name | Sector | Instrument | Assets % |
|---|---|---|---|
| TREPS - Tri-party Repo | Cash & Cash Equivalents and Net Assets | 16.02% | |
| 6.67% GOI MAT 171250 | Government Securities | 8.64% | |
| 8.35% Mahindra Rural Housing Finance Ltd^ | Corporate Debt | 6.64% | |
| Larsen & Toubro Ltd. | Construction | Domestic Equities | 6.42% |
| 6.48% GOI MAT 061035 | Government Securities | 6.26% | |
| 6.19% GOI MAT 160934^ | Government Securities | 6.14% | |
| Reliance Industries Ltd. | Petroleum Products | Domestic Equities | 5.81% |
| Tata Consultancy Services Ltd. | IT - Software | Domestic Equities | 5.49% |
| 7.57% GOI MAT 170633^ | Government Securities | 5.00% | |
| Net Current Assets | Cash & Cash Equivalents and Net Assets | 3.95% | |
| 8.97% GOI MAT 051230^ | Government Securities | 3.86% | |
| 7.5% GOI MAT 100834^ | Government Securities | 3.33% | |
| 8.4% Indian Railways Finance Corp. Ltd.^ | Corporate Debt | 3.32% | |
| HDFC Bank Ltd. | Banks | Domestic Equities | 2.08% |
| ICICI Bank Ltd. | Banks | Domestic Equities | 1.96% |
| State Bank Of India | Banks | Domestic Equities | 1.24% |
| Axis Bank Ltd. | Banks | Domestic Equities | 0.98% |
| Bharti Airtel Ltd. | Telecom - Services | Domestic Equities | 0.93% |
| Infosys Ltd. | IT - Software | Domestic Equities | 0.81% |
| Maruti Suzuki India Ltd. | Automobiles | Domestic Equities | 0.80% |
| ICICI Lombard General Insurance Company Ltd. | Insurance | Domestic Equities | 0.67% |
| Transport Corporation Of India Ltd. | Transport Services | Domestic Equities | 0.60% |
| SBI Life Insurance Company Ltd. | Insurance | Domestic Equities | 0.58% |
| Power Grid Corporation Of India Ltd. | Power | Domestic Equities | 0.58% |
| Lupin Ltd. | Pharmaceuticals & Biotechnology | Domestic Equities | 0.53% |
| City Union Bank Ltd. | Banks | Domestic Equities | 0.47% |
| ITC Ltd. | Diversified FMCG | Domestic Equities | 0.47% |
| Vesuvius India Ltd. | Industrial Products | Domestic Equities | 0.42% |
| Kalpataru Projects International Ltd. | Construction | Domestic Equities | 0.34% |
| Alkem Laboratories Ltd. | Pharmaceuticals & Biotechnology | Domestic Equities | 0.34% |
| Dr. Lal Pathlabs Ltd. | Healthcare Services | Domestic Equities | 0.34% |
| Balkrishna Industries Ltd. | Auto Components | Domestic Equities | 0.34% |
| Zensar Technologies Ltd. | IT - Software | Domestic Equities | 0.33% |
| Lumax Industries Ltd. | Auto Components | Domestic Equities | 0.33% |
| Bayer CropScience Ltd. | Fertilizers & Agrochemicals | Domestic Equities | 0.33% |
| Gujarat State Petronet Ltd. | Gas | Domestic Equities | 0.30% |
| PVR Inox Ltd. | Entertainment | Domestic Equities | 0.30% |
| Gujarat Pipavav Port Ltd. | Transport Infrastructure | Domestic Equities | 0.28% |
| Finolex Cables Ltd. | Industrial Products | Domestic Equities | 0.25% |
| The Ramco Cements Ltd. | Cement & Cement Products | Domestic Equities | 0.24% |
| Voltamp Transformers Ltd. | Electrical Equipment | Domestic Equities | 0.23% |
| Symphony Ltd. | Consumer Durables | Domestic Equities | 0.22% |
| Hindustan Petroleum Corporation Ltd. | Petroleum Products | Domestic Equities | 0.22% |
| Alembic Pharmaceuticals Ltd. | Pharmaceuticals & Biotechnology | Domestic Equities | 0.22% |
| Gateway Distriparks Ltd. | Transport Services | Domestic Equities | 0.20% |
| SKF India Ltd. | Auto Components | Domestic Equities | 0.18% |
| Goodyear India Ltd. | Auto Components | Domestic Equities | 0.17% |
| United Spirits Ltd. | Beverages | Domestic Equities | 0.16% |
| TCPL Packaging Ltd. | Industrial Products | Domestic Equities | 0.15% |
| Huhtamaki India Ltd. | Industrial Products | Domestic Equities | 0.15% |
| The Anup Engineering Ltd. | Industrial Manufacturing | Domestic Equities | 0.14% |
| 7.54% GOI MAT 230536 | Government Securities | 0.10% | |
| Amagi Media Labs Ltd. | IT - Services | Domestic Equities | 0.10% |
| Popular Vehicles & Services Ltd. | Automobiles | Domestic Equities | 0.06% |
| Total | 100.00% |
RETURNS
It is an Open ended scheme that primarily invests in Solution Oriented - Retirement Fund.
The investment objective of the Scheme is to provide long-term capital appreciation / income by investing in a mix of equity and debt instruments to help investors meet their retirement goals. There is no assurance that the investment objective of the Scheme will be realized.
The scheme benchmark is the NIFTY 50 Hybrid Composite Debt 15:85 Index
It is classified as Moderately High Risk, suitable for investors with a Moderately High risk appetite.
Returns Delivered by the funds are as follows:
1-year: 1%
3-year: 7.02%
5-year: 6.78%
Top holdings include names such as:
The NAV is around ₹21.51 (approx.) for the HDFC Retirement Savings Fund - Hybrid-Debt Plan - Regular Plan - Growth.
The fund’s AUM is approximately ₹154 Cr.
The expense ratio for the Regular Plan is 2.16.
NIL - Upon completion of Lock-in Period.
Minimum SIP starts at ₹100.
The minimum lump sum investment is ₹100. Often platforms may require higher in practice, but the statutory minimum remains the same.
You can start a SIP through:
Broker/agent platform like Sharescart.
Enter KYC details, choose the Regular Growth option, set SIP amount/frequency, and submit.
Yes. You can modify your SIP amount or frequency anytime online through the Sharescart platform.
You can redeem online via the Sharescart platform — choose the scheme, select the amount/units, and submit. Proceeds are credited to your bank account.
The fund managers: Srinivasan Ramamurthy, Anupam Joshi, Nandita Menezes, Arun Agarwal
This fund is suitable for investors with a Moderately High risk tolerance.
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