+91-22-489139095 Best Solution Oriented Schemes to Invest in 2026
The Security and Exchange Board of India (SEBI) has introduced a new classification ‘Solution Oriented Schemes’ under Mutual Funds. These funds are important for long-term goal planning, particularly for—Retirement planning and a child’s education. So, if you are looking at something with a similar goal-wise Investing, then you are at the right place. Let’s look at these funds in a detailed manner, along with some of the best solution oriented schemes to invest.
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What are Solution Oriented Schemes?
Solution oriented schemes are helpful for those investors who wish to create long-term wealth that mainly includes retirement planning and a child’s future education by investing in Mutual Funds. Earlier, these plans were a part of equity or balanced schemes, but as per SEBI’s new circulation, these funds are separately categorised under solution oriented schemes.
Also, these schemes used to have a lock-in for three years, but now these funds have a mandatory lock-in of five years. This is ideally a good way to keep investors invested for a longer duration in order to attain these investment goals. It maintains discipline in investments.
Fund Selection Methodology used to find 5 funds
Top 5 Best Performing Solution Oriented Schemes FY 26 - 27
Fund NAV Net Assets (Cr) 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2024 (%) Tata Retirement Savings Fund-Moderate Growth ₹63.0842
↑ 0.70 ₹2,166 -3.4 -1.1 7.1 15.1 12 1 Tata Retirement Savings Fund - Progressive Growth ₹63.4142
↑ 0.87 ₹2,108 -4 -1.8 6.6 16.2 12.6 -1.2 SBI Magnum Children's Benefit Plan Growth ₹110.44
↑ 0.61 ₹132 0.1 0.3 5.5 12.2 11.4 3.2 Tata Retirement Savings Fund - Conservative Growth ₹31.6588
↑ 0.15 ₹173 -1 0.1 5.3 8.5 6.5 3.6 ICICI Prudential Child Care Plan (Gift) Growth ₹318.6
↑ 3.33 ₹1,418 -4.2 -2.7 9.3 17.4 14.7 8.3 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 28 Jan 26 Research Highlights & Commentary of 5 Funds showcased
Commentary Tata Retirement Savings Fund-Moderate Tata Retirement Savings Fund - Progressive SBI Magnum Children's Benefit Plan Tata Retirement Savings Fund - Conservative ICICI Prudential Child Care Plan (Gift) Point 1 Highest AUM (₹2,166 Cr). Upper mid AUM (₹2,108 Cr). Bottom quartile AUM (₹132 Cr). Bottom quartile AUM (₹173 Cr). Lower mid AUM (₹1,418 Cr). Point 2 Established history (14+ yrs). Established history (14+ yrs). Established history (23+ yrs). Established history (14+ yrs). Oldest track record among peers (24 yrs). Point 3 Top rated. Rating: 5★ (upper mid). Rating: 5★ (lower mid). Rating: 4★ (bottom quartile). Rating: 2★ (bottom quartile). Point 4 Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderately High. Point 5 5Y return: 12.01% (lower mid). 5Y return: 12.58% (upper mid). 5Y return: 11.38% (bottom quartile). 5Y return: 6.50% (bottom quartile). 5Y return: 14.65% (top quartile). Point 6 3Y return: 15.05% (lower mid). 3Y return: 16.18% (upper mid). 3Y return: 12.18% (bottom quartile). 3Y return: 8.45% (bottom quartile). 3Y return: 17.40% (top quartile). Point 7 1Y return: 7.08% (upper mid). 1Y return: 6.62% (lower mid). 1Y return: 5.48% (bottom quartile). 1Y return: 5.30% (bottom quartile). 1Y return: 9.29% (top quartile). Point 8 1M return: -2.81% (lower mid). 1M return: -3.11% (bottom quartile). 1M return: -0.43% (top quartile). 1M return: -1.05% (upper mid). 1M return: -3.46% (bottom quartile). Point 9 Alpha: 0.00 (top quartile). Alpha: -8.71 (bottom quartile). Alpha: 0.00 (upper mid). Alpha: 0.00 (lower mid). Alpha: 0.00 (bottom quartile). Point 10 Sharpe: -0.28 (upper mid). Sharpe: -0.34 (lower mid). Sharpe: -0.58 (bottom quartile). Sharpe: -0.41 (bottom quartile). Sharpe: 0.21 (top quartile). Tata Retirement Savings Fund-Moderate
Tata Retirement Savings Fund - Progressive
SBI Magnum Children's Benefit Plan
Tata Retirement Savings Fund - Conservative
ICICI Prudential Child Care Plan (Gift)
To provide a financial planning tool for long term financial security for investors based on their retirement planning goals. However, there can be no assurance
that the investment objective of the fund will be realized, as actual market movements may be at variance with anticipated trends. Below is the key information for Tata Retirement Savings Fund-Moderate Returns up to 1 year are on To provide a financial planning tool for long term financial security for investors based on their retirement planning goals. However, there can be no assurance
that the investment objective of the fund will be realized, as actual market movements may be at variance with anticipated trends. Research Highlights for Tata Retirement Savings Fund - Progressive Below is the key information for Tata Retirement Savings Fund - Progressive Returns up to 1 year are on To provide attractive returns to the Magnum holders / Unit holders by means
of capital appreciation through an actively managed portfolio of debt, equity
and money market instruments. Income generated through the receipt of coupon payments, the amortization of the discount on the debt instruments, receipt of dividends or purchase and sale of securities in the underlying portfolio, will be reinvested. Research Highlights for SBI Magnum Children's Benefit Plan Below is the key information for SBI Magnum Children's Benefit Plan Returns up to 1 year are on To provide a financial planning tool for long term financial security for investors based on their retirement planning goals. However, there can be no assurance
that the investment objective of the fund will be realized, as actual market movements may be at variance with anticipated trends. Research Highlights for Tata Retirement Savings Fund - Conservative Below is the key information for Tata Retirement Savings Fund - Conservative Returns up to 1 year are on The primary investment objective of the Study Plan is to seek generation of current income by creating a portfolio that is invested in debt, money market instruments and equity and equity related securities. Research Highlights for ICICI Prudential Child Care Plan (Gift) Below is the key information for ICICI Prudential Child Care Plan (Gift) Returns up to 1 year are on 1. Tata Retirement Savings Fund-Moderate
Tata Retirement Savings Fund-Moderate
Growth Launch Date 1 Nov 11 NAV (28 Jan 26) ₹63.0842 ↑ 0.70 (1.12 %) Net Assets (Cr) ₹2,166 on 31 Dec 25 Category Solutions - Retirement Fund AMC Tata Asset Management Limited Rating ☆☆☆☆☆ Risk Moderately High Expense Ratio 2.02 Sharpe Ratio -0.28 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 150 Exit Load 0-60 Years (1%),60 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value Returns for Tata Retirement Savings Fund-Moderate
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Jan 26 Duration Returns 1 Month -2.8% 3 Month -3.4% 6 Month -1.1% 1 Year 7.1% 3 Year 15.1% 5 Year 12% 10 Year 15 Year Since launch 13.8% Historical performance (Yearly) on absolute basis
Year Returns 2024 1% 2023 19.5% 2022 25.3% 2021 -1.9% 2020 20.5% 2019 15.1% 2018 8.6% 2017 -3.6% 2016 38.8% 2015 6.7% Fund Manager information for Tata Retirement Savings Fund-Moderate
Name Since Tenure Data below for Tata Retirement Savings Fund-Moderate as on 31 Dec 25
Asset Allocation
Asset Class Value Top Securities Holdings / Portfolio
Name Holding Value Quantity 2. Tata Retirement Savings Fund - Progressive
Tata Retirement Savings Fund - Progressive
Growth Launch Date 1 Nov 11 NAV (28 Jan 26) ₹63.4142 ↑ 0.87 (1.40 %) Net Assets (Cr) ₹2,108 on 31 Dec 25 Category Solutions - Retirement Fund AMC Tata Asset Management Limited Rating ☆☆☆☆☆ Risk Moderately High Expense Ratio 2.02 Sharpe Ratio -0.34 Information Ratio -0.2 Alpha Ratio -8.71 Min Investment 5,000 Min SIP Investment 150 Exit Load 0-60 Years (1%),60 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value Returns for Tata Retirement Savings Fund - Progressive
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Jan 26 Duration Returns 1 Month -3.1% 3 Month -4% 6 Month -1.8% 1 Year 6.6% 3 Year 16.2% 5 Year 12.6% 10 Year 15 Year Since launch 13.8% Historical performance (Yearly) on absolute basis
Year Returns 2024 -1.2% 2023 21.7% 2022 29% 2021 -3.9% 2020 23.3% 2019 14.4% 2018 11.5% 2017 -6.1% 2016 49.1% 2015 3.1% Fund Manager information for Tata Retirement Savings Fund - Progressive
Name Since Tenure Data below for Tata Retirement Savings Fund - Progressive as on 31 Dec 25
Asset Allocation
Asset Class Value Top Securities Holdings / Portfolio
Name Holding Value Quantity 3. SBI Magnum Children's Benefit Plan
SBI Magnum Children's Benefit Plan
Growth Launch Date 21 Feb 02 NAV (28 Jan 26) ₹110.44 ↑ 0.61 (0.56 %) Net Assets (Cr) ₹132 on 31 Dec 25 Category Solutions - Childrens Fund AMC SBI Funds Management Private Limited Rating ☆☆☆☆☆ Risk Moderately High Expense Ratio 1.21 Sharpe Ratio -0.59 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load 0-1 Years (3%),1-2 Years (2%),2-3 Years (1%),3 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value
Purchase not allowed Returns for SBI Magnum Children's Benefit Plan
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Jan 26 Duration Returns 1 Month -0.4% 3 Month 0.1% 6 Month 0.3% 1 Year 5.5% 3 Year 12.2% 5 Year 11.4% 10 Year 15 Year Since launch Historical performance (Yearly) on absolute basis
Year Returns 2024 3.2% 2023 17.4% 2022 16.9% 2021 1.9% 2020 18.3% 2019 14.8% 2018 2.6% 2017 0.1% 2016 24.3% 2015 16.1% Fund Manager information for SBI Magnum Children's Benefit Plan
Name Since Tenure Data below for SBI Magnum Children's Benefit Plan as on 31 Dec 25
Asset Allocation
Asset Class Value Top Securities Holdings / Portfolio
Name Holding Value Quantity 4. Tata Retirement Savings Fund - Conservative
Tata Retirement Savings Fund - Conservative
Growth Launch Date 1 Nov 11 NAV (28 Jan 26) ₹31.6588 ↑ 0.15 (0.47 %) Net Assets (Cr) ₹173 on 31 Dec 25 Category Solutions - Retirement Fund AMC Tata Asset Management Limited Rating ☆☆☆☆ Risk Moderately High Expense Ratio 2.18 Sharpe Ratio -0.41 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load 0-60 Years (1%),60 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value Returns for Tata Retirement Savings Fund - Conservative
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Jan 26 Duration Returns 1 Month -1% 3 Month -1% 6 Month 0.1% 1 Year 5.3% 3 Year 8.5% 5 Year 6.5% 10 Year 15 Year Since launch 8.4% Historical performance (Yearly) on absolute basis
Year Returns 2024 3.6% 2023 9.9% 2022 12.1% 2021 0.1% 2020 7.6% 2019 11.8% 2018 7.6% 2017 0.8% 2016 15.1% 2015 10.6% Fund Manager information for Tata Retirement Savings Fund - Conservative
Name Since Tenure Data below for Tata Retirement Savings Fund - Conservative as on 31 Dec 25
Asset Allocation
Asset Class Value Top Securities Holdings / Portfolio
Name Holding Value Quantity 5. ICICI Prudential Child Care Plan (Gift)
ICICI Prudential Child Care Plan (Gift)
Growth Launch Date 31 Aug 01 NAV (28 Jan 26) ₹318.6 ↑ 3.33 (1.06 %) Net Assets (Cr) ₹1,418 on 31 Dec 25 Category Solutions - Childrens Fund AMC ICICI Prudential Asset Management Company Limited Rating ☆☆ Risk Moderately High Expense Ratio 2.2 Sharpe Ratio 0.21 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 100 Exit Load 0-1 Years (3%),1-2 Years (2%),2-3 Years (1%),3 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value Returns for ICICI Prudential Child Care Plan (Gift)
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Jan 26 Duration Returns 1 Month -3.5% 3 Month -4.2% 6 Month -2.7% 1 Year 9.3% 3 Year 17.4% 5 Year 14.7% 10 Year 15 Year Since launch 15.2% Historical performance (Yearly) on absolute basis
Year Returns 2024 8.3% 2023 16.9% 2022 29.2% 2021 2.6% 2020 24.8% 2019 8.8% 2018 8.5% 2017 -1.9% 2016 25% 2015 6.9% Fund Manager information for ICICI Prudential Child Care Plan (Gift)
Name Since Tenure Data below for ICICI Prudential Child Care Plan (Gift) as on 31 Dec 25
Asset Allocation
Asset Class Value Top Securities Holdings / Portfolio
Name Holding Value Quantity
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Research Highlights for Tata Retirement Savings Fund-Moderate