Tata Retirement Savings Fund- Moderate Plan-Regular Plan-Growth Option

Retirement Fund NAV 52.4216 0 07 December, 2023

Fund Details

Fund Type Open Ended
Investment Plan Growth
Launch Date 01 November, 2011
Benchmark CRISIL Hybrid 25+75 Aggressive Index
Asset Size(Cr) 1773.90747
Turn over 55.43%
Min Investment ₹ 5000
Min SIP Investment ₹ 500
Min Addl Investment ₹ 1000
Exit Load Exit load of 1% if redeemed before 61 months.
Expense Ratio 2.05
Fund Manager Murthy Nagarajan, Sonam Udasi
Fund House Tata Mutual Fund

Investment Returns (As on 07 Dec, 2023)

Duration Returns Benchmark Category
1 W -0.73% 0.33% 1.24%
1 M -0.29% 1.68% 2.86%
3 M 3.35% 2.58% 2.34%
6 M 16.75% 5.48% 1.39%
1 Y 14.96% 7.16% 6.08%
2 Y 7.46% 5.04% 7.76%
3 Y 14.36% 5.69% 12.84%
5 Y 12.53% 8.07% 7.75%

Risk Mesasures (As on 07 Dec, 2023)

Std Dev Sharpe Beta Alpha
Fund 10.5 1.03 -0.88 0.75
Benchmark 0 0 0 0
Returns Compare with Others
  • 1Y
  • 3Y
  • 5Y

Portfolio (As on 30 Oct, 2023)

Assets Allocation

Sector Holdings
Others 5.47%

Return Calculator

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Disclaimer: Above returns are calculated on the basis of historical NAV movement for the selected period. However, historical performance does not guarantee future returns. Investors must take investment decisions based on his/her own requirements.

Peer Comparison

Fund Name 1 Yr Rtn. 3 Yr Rtn. 5 Yr Rtn.
Tata Retirement Savings Fund- Moderate Plan-Regular Plan-Growth Option 14.96% 14.36% 12.53%
ICICI Prudential Child Care Fund (Gift Plan) - Cumulative 16.75% 17.83% 12.17%
Tata Retirement Savings Fund - Progressive Plan -Regular Plan-Growth Option 16.07% 15.33% 13.56%
SBI Magnum Childrens Benefit Fund - Savings Plan - REGULAR PLAN - GROWTH 13.45% 14.02% 10.22%
Franklin India Pension Plan-Growth 9.91% 9.31% 8.4%
SBI Gold Fund Regular Plan - Growth 20.17% 4.67% 12.71%
Nippon India Gold Savings Fund-Growth plan- Growth Option 20.33% 4.43% 12.12%

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Tata Retirement Savings Fund Moderate Plan: Retire From Financial Insecurities

It is always better to prepare for the impact rather than repair after the impact. Retirement is the only thing that is certain in the life of every earning individual and a smart citizen should be financially prepared to lead the post-retirement era independently. The retirement savings scheme offered by Tata Mutual Fund can allow the citizens to conveniently plan for one of the most burdening financial goals. This plan can allow you to enjoy your post-retirement era without relying on your kids or relatives for financial support after retirement. This innovative fund is divided into 3 plans which follow different investment strategy depending on the age of the investor. Tata Retirement Savings Fund: Moderate Plan is ideal for the investors who are not much far away from retirement and seek for risk-adjusted returns from mutual funds for efficient retirement planning.

Tata Retirement Savings Fund - How Does it Work?

This innovative solution-oriented scheme offered by Tata Mutual Fund uses 3 different strategies to achieve a single objective. The 3 plans of the scheme are handled by the same managers, however, the investment mandate is different for every plan. The three plans are named as:

  1. Tata Retirement Savings Fund: Progressive Plan
  2. Tata Retirement Savings Fund: Moderate Plan
  3. Tata Retirement Savings Fund: Conservative Plan
  • The progressive plan is an equity scheme which aims to build superior wealth by following the multi-cap investment approach.
  • Tata Retirement Savings Fund: Moderate Plan follows the mandate of aggressive hybrid mutual fund by investing in equity as well as debt securities with equity in the majority.
  • The conservative plan of Tata Retirement Savings Fund is a low-risk scheme that aims to preserve the pooled corpus in a low-risk portfolio for the retirees.

The three plans of Tata Retirement Savings Fund are designed strategically to assist the investors of different age groups to achieve the same objective. With an aggressive strategy, the progressive plan aims to accumulate maximum wealth for the investors. As the risk factor is high for the multi-cap scheme, it is ideal for young investors. The ideal age to invest in the scheme is less than 45 years. Tata Retirement Savings Fund provides a facility of auto-switch in which the invested amount along with wealth gain is directly transferred to the different plans of the same scheme as soon as the investor reaches the age of 45. No exit load is charged for switching between schemes of the same fund.

What is Tata Retirement Savings Fund: Moderate Plan?

The Moderate Plan of Tata Retirement Savings Fund is structured to assist the investors for retirement planning. The plan is ideal for investors who are close to retirement as the portfolio of the scheme includes equity as well as debt instruments. It follows the mandate of aggressive hybrid mutual fund in which allocation in equity instruments is done in majority while the minor allocation is done towards fixed income securities which provide consistent gains and reduce the volatility in the NAV. Tata Retirement Savings Fund: Moderate Plan follows an innovative strategy to shift the accumulated corpus into the conservative plan of the same scheme. The moderate plan is ideal for the investors who are neither very close to the retirement nor too far away from it. The recommended age is between 45 and 60 and the units can be transferred to the conservative plan automatically once the investor achieves the age of 60.

The conservative plan of Tata Retirement Savings Fund is suitable for the retirees who either want to keep their investments in a low-risk scheme or want to withdraw a fixed amount monthly in the form of pension. It follows the investment strategy of conservative hybrid or debt oriented hybrid funds. The allocation in debt tools is done in majority to promote consistency and reduce the volatility. The minor allocation in the equity instruments increase the growth rate and provides decent gains to the investors in their old age.

Why do you need to Invest in Tata Retirement Savings Fund: Moderate Plan?

The financial burden for every need can easily be reduced if proper planning is done at the right time. Majority of the retirees rely financially on someone else for the daily requirements. This can cause a financial breakdown in the old age when possibilities to overcome the breakdown are rare. By making a smart plan, one can avoid the sufferings and can enjoy a pleasant retirement without worrying about the basic needs. However, retirements are taken to stay away from all the worries and tensions. You don’t want to search for ways to earn money for daily household even after the retirement. By making a small and affordable contribution towards Tata Retirement Savings Fund: Moderate Plan, one can conveniently garner enough wealth to lead rest of the life with prosperously.

Benefits of Investing

  • Apart from creating a thriving wealth for the post-retirement era, one can also avail following benefits by investing in Tata Retirement Savings Fund: Moderate Plan.
  • Investors can take advantage of the power of compounding which can multiply the investments manifold.
  • The SIP option allows convenient wealth creation and also reduces the risk as the NAV is averaged out.
  • Different plans for different age groups can be instrumental for achieving the financial objective.
  • It has been trusted by a large number of investors and has allowed thousands of investors to plan their retirement.
  • The switching between different plans of the scheme is free of cost.

Who Should Invest in Tata Retirement Savings Fund: Moderate Plan?

This  Retirement Fund is suitable for investors who want to create wealth for their future. Every individual lying in the age group of 45-60 must secure his/her future with this scheme while those who age less than that must only choose the moderate plan if the risk appetite is low. Otherwise, the progressive plan should be chosen by young investors. This is one of the best ways to plan for retirement as investors can gain a lot without investing a significant amount.

Tata Retirement Savings Fund: Moderate Plan is a successful scheme which can aid in efficient financial planning for the retirees. To start investing now, open a free account and get the benefits of multiple tools like SIP calculator, Tax Calculator etc., which can ease out the mutual funds' investment.

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