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भारतीय सुरक्षा और विनिमय बोर्ड (सेबी) ने के तहत एक नया वर्गीकरण 'समाधान उन्मुख योजनाओं' की शुरुआत की हैम्यूचुअल फंड्स. ये फंड लंबी अवधि के लक्ष्य नियोजन के लिए महत्वपूर्ण हैं, खासकर के लिए-सेवानिवृत्ति योजना और एक बच्चे की शिक्षा। इसलिए, यदि आप समान लक्ष्य-वार किसी चीज़ को देख रहे हैंनिवेश, फिर आप सही स्थान पर हैं। आइए निवेश करने के लिए कुछ बेहतरीन समाधान उन्मुख योजनाओं के साथ इन फंडों को विस्तृत तरीके से देखें।
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समाधान उन्मुख योजनाएं उन निवेशकों के लिए सहायक होती हैं जो लंबी अवधि की संपत्ति बनाना चाहते हैं जिसमें मुख्य रूप से सेवानिवृत्ति योजना और बच्चे की भविष्य की शिक्षा शामिल है।म्यूचुअल फंड में निवेश. पहले, ये योजनाएँ इक्विटी या संतुलित योजनाओं का एक हिस्सा थीं, लेकिन सेबी के नए प्रचलन के अनुसार, इन फंडों को समाधान उन्मुख योजनाओं के तहत अलग से वर्गीकृत किया गया है।
साथ ही इन योजनाओं में तीन साल के लिए लॉक-इन होता था, लेकिन अब इन फंडों में पांच साल का अनिवार्य लॉक-इन है। इन निवेश लक्ष्यों को प्राप्त करने के लिए निवेशकों को लंबी अवधि के लिए निवेशित रखने का यह आदर्श रूप से एक अच्छा तरीका है। यह निवेश में अनुशासन बनाए रखता है।
Fund NAV Net Assets (Cr) 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2022 (%) Tata Retirement Savings Fund-Moderate Growth ₹45.2106
↑ 0.20 ₹1,595 8.2 2.6 11.7 16.8 8.6 -1.9 Tata Retirement Savings Fund - Progressive Growth ₹44.3773
↑ 0.21 ₹1,314 8.9 1.9 11.5 17.9 8.6 -3.9 SBI Magnum Children's Benefit Plan Growth ₹82.4284
↑ 0.14 ₹93 5.7 4.7 9.4 14.5 8.5 1.9 Tata Retirement Savings Fund - Conservative Growth ₹26.0027
↑ 0.04 ₹163 4.5 2.8 7.3 7.6 6.4 0.1 ICICI Prudential Child Care Plan (Gift) Growth ₹209.92
↑ 1.66 ₹889 8.8 1.3 12.2 19.1 9.5 2.6 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 2 Jun 23
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. Tata Retirement Savings Fund-Moderate is a Solutions - Retirement Fund fund was launched on 1 Nov 11. It is a fund with Moderately High risk and has given a 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. Tata Retirement Savings Fund - Progressive is a Solutions - Retirement Fund fund was launched on 1 Nov 11. It is a fund with Moderately High risk and has given a 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. SBI Magnum Children's Benefit Plan is a Solutions - Childrens Fund fund was launched on 21 Feb 02. It is a fund with Moderately High risk and has given a 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. Tata Retirement Savings Fund - Conservative is a Solutions - Retirement Fund fund was launched on 1 Nov 11. It is a fund with Moderately High risk and has given a 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. ICICI Prudential Child Care Plan (Gift) is a Solutions - Childrens Fund fund was launched on 31 Aug 01. It is a fund with Moderately High risk and has given a 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
CAGR/Annualized
return of 13.9% since its launch. Ranked 2 in Retirement Fund
category. Return for 2022 was -1.9% , 2021 was 20.5% and 2020 was 15.1% . Tata Retirement Savings Fund-Moderate
Growth Launch Date 1 Nov 11 NAV (02 Jun 23) ₹45.2106 ↑ 0.20 (0.44 %) Net Assets (Cr) ₹1,595 on 30 Apr 23 Category Solutions - Retirement Fund AMC Tata Asset Management Limited Rating ☆☆☆☆☆ Risk Moderately High Expense Ratio 0 Sharpe Ratio -0.14 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 31 May 18 ₹10,000 31 May 19 ₹10,148 31 May 20 ₹9,182 31 May 21 ₹12,982 31 May 22 ₹13,384 31 May 23 ₹14,929 Returns for Tata Retirement Savings Fund-Moderate
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 2 Jun 23 Duration Returns 1 Month 4.7% 3 Month 8.2% 6 Month 2.6% 1 Year 11.7% 3 Year 16.8% 5 Year 8.6% 10 Year 15 Year Since launch 13.9% Historical performance (Yearly) on absolute basis
Year Returns 2022 -1.9% 2021 20.5% 2020 15.1% 2019 8.6% 2018 -3.6% 2017 38.8% 2016 6.7% 2015 7.7% 2014 55.1% 2013 2.6% Fund Manager information for Tata Retirement Savings Fund-Moderate
Name Since Tenure Murthy Nagarajan 1 Apr 17 6.08 Yr. Sonam Udasi 1 Apr 16 7.08 Yr. Data below for Tata Retirement Savings Fund-Moderate as on 30 Apr 23
Asset Allocation
Asset Class Value Cash 4.46% Equity 82.17% Debt 13.37% Top Securities Holdings / Portfolio
Name Holding Value Quantity HDFC Bank Ltd (Financial Services)
Equity, Since 30 Nov 11 | HDFCBANK9% ₹137 Cr 811,500 ICICI Bank Ltd (Financial Services)
Equity, Since 31 Dec 18 | ICICIBANK6% ₹96 Cr 1,042,000
↓ -95,000 ITC Ltd Shs Dematerialised (Consumer Defensive)
Equity, Since 30 Apr 18 | ITC5% ₹76 Cr 1,786,000 Reliance Industries Ltd (Energy)
Equity, Since 30 Apr 18 | RELIANCE5% ₹73 Cr 300,000 SBI Cards and Payment Services Ltd Ordinary Shares (Financial Services)
Equity, Since 30 Sep 20 | SBICARD3% ₹45 Cr 580,000 Tata Consultancy Services Ltd Shs Dematerialised (Technology)
Equity, Since 31 Aug 20 | TCS3% ₹43 Cr 135,000 Radico Khaitan Ltd (Consumer Defensive)
Equity, Since 30 Nov 17 | RADICO2% ₹38 Cr 338,300 Cera Sanitaryware Ltd (Industrials)
Equity, Since 30 Apr 22 | CERA2% ₹36 Cr 58,056
↓ -744 Metro Brands Ltd (Consumer Cyclical)
Equity, Since 31 Jul 22 | 5434262% ₹36 Cr 413,000 Kotak Mahindra Bank Ltd (Financial Services)
Equity, Since 28 Feb 22 | KOTAKBANK2% ₹34 Cr 176,000 2. Tata Retirement Savings Fund - Progressive
CAGR/Annualized
return of 13.7% since its launch. Ranked 6 in Retirement Fund
category. Return for 2022 was -3.9% , 2021 was 23.3% and 2020 was 14.4% . Tata Retirement Savings Fund - Progressive
Growth Launch Date 1 Nov 11 NAV (02 Jun 23) ₹44.3773 ↑ 0.21 (0.48 %) Net Assets (Cr) ₹1,314 on 30 Apr 23 Category Solutions - Retirement Fund AMC Tata Asset Management Limited Rating ☆☆☆☆☆ Risk Moderately High Expense Ratio 0 Sharpe Ratio -0.19 Information Ratio -1.64 Alpha Ratio -1.9 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 31 May 18 ₹10,000 31 May 19 ₹9,962 31 May 20 ₹8,881 31 May 21 ₹13,127 31 May 22 ₹13,374 31 May 23 ₹14,908 Returns for Tata Retirement Savings Fund - Progressive
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 2 Jun 23 Duration Returns 1 Month 5.2% 3 Month 8.9% 6 Month 1.9% 1 Year 11.5% 3 Year 17.9% 5 Year 8.6% 10 Year 15 Year Since launch 13.7% Historical performance (Yearly) on absolute basis
Year Returns 2022 -3.9% 2021 23.3% 2020 14.4% 2019 11.5% 2018 -6.1% 2017 49.1% 2016 3.1% 2015 7.8% 2014 47.4% 2013 1.5% Fund Manager information for Tata Retirement Savings Fund - Progressive
Name Since Tenure Murthy Nagarajan 1 Apr 17 6.08 Yr. Sonam Udasi 1 Apr 16 7.08 Yr. Data below for Tata Retirement Savings Fund - Progressive as on 30 Apr 23
Asset Allocation
Asset Class Value Cash 6.5% Equity 93.5% Top Securities Holdings / Portfolio
Name Holding Value Quantity HDFC Bank Ltd (Financial Services)
Equity, Since 30 Nov 11 | HDFCBANK10% ₹129 Cr 763,500 ICICI Bank Ltd (Financial Services)
Equity, Since 31 Dec 18 | ICICIBANK7% ₹92 Cr 1,000,000
↓ -77,000 ITC Ltd Shs Dematerialised (Consumer Defensive)
Equity, Since 30 Apr 18 | ITC5% ₹70 Cr 1,640,000 Reliance Industries Ltd (Energy)
Equity, Since 30 Apr 18 | RELIANCE5% ₹69 Cr 284,000 Kotak Mahindra Bank Ltd (Financial Services)
Equity, Since 28 Feb 22 | KOTAKBANK3% ₹41 Cr 213,539 SBI Cards and Payment Services Ltd Ordinary Shares (Financial Services)
Equity, Since 30 Sep 20 | SBICARD3% ₹41 Cr 531,800 Tata Consultancy Services Ltd Shs Dematerialised (Technology)
Equity, Since 31 Aug 20 | TCS3% ₹41 Cr 127,000 Cera Sanitaryware Ltd (Industrials)
Equity, Since 30 Apr 22 | CERA3% ₹33 Cr 53,344
↓ -456 Radico Khaitan Ltd (Consumer Defensive)
Equity, Since 30 Nov 17 | RADICO2% ₹33 Cr 289,000 Metro Brands Ltd (Consumer Cyclical)
Equity, Since 31 Jul 22 | 5434262% ₹32 Cr 373,000 3. SBI Magnum Children's Benefit Plan
CAGR/Annualized
return of since its launch. Ranked 1 in Childrens Fund
category. Return for 2022 was 1.9% , 2021 was 18.3% and 2020 was 14.8% . SBI Magnum Children's Benefit Plan
Growth Launch Date 21 Feb 02 NAV (02 Jun 23) ₹82.4284 ↑ 0.14 (0.17 %) Net Assets (Cr) ₹93 on 30 Apr 23 Category Solutions - Childrens Fund AMC SBI Funds Management Private Limited Rating ☆☆☆☆☆ Risk Moderately High Expense Ratio 2.03 Sharpe Ratio -0.1 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 31 May 18 ₹10,000 31 May 19 ₹10,219 31 May 20 ₹9,916 31 May 21 ₹12,482 31 May 22 ₹13,691 31 May 23 ₹14,965
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 2 Jun 23 Duration Returns 1 Month 2.2% 3 Month 5.7% 6 Month 4.7% 1 Year 9.4% 3 Year 14.5% 5 Year 8.5% 10 Year 15 Year Since launch Historical performance (Yearly) on absolute basis
Year Returns 2022 1.9% 2021 18.3% 2020 14.8% 2019 2.6% 2018 0.1% 2017 24.3% 2016 16.1% 2015 7% 2014 31.1% 2013 -0.1% Fund Manager information for SBI Magnum Children's Benefit Plan
Name Since Tenure R. Srinivasan 13 Jan 21 2.29 Yr. Rajeev Radhakrishnan 9 Jun 08 14.9 Yr. Mohit Jain 30 Nov 17 5.42 Yr. Data below for SBI Magnum Children's Benefit Plan as on 30 Apr 23
Asset Allocation
Asset Class Value Cash 10.35% Equity 23.45% Debt 66.2% Top Securities Holdings / Portfolio
Name Holding Value Quantity 07.70 MH Sgs 2030
Sovereign Bonds | -16% ₹15 Cr 1,500,000 7.26% Govt Stock 2032
Sovereign Bonds | -12% ₹11 Cr 1,100,000 7.41% Govt Stock 2036
Sovereign Bonds | -11% ₹10 Cr 1,000,000 08.08 Up SDL 2025feb
Sovereign Bonds | -11% ₹10 Cr 1,000,000 5.22% Govt Stock 2025
Sovereign Bonds | -5% ₹5 Cr 480,000 Mahanagar Telephone Nigam Limited
Debentures | -3% ₹3 Cr 30 Gs CG 16/12/2026 - (Strips) Tb
Sovereign Bonds | -3% ₹3 Cr 375,000 Mangloor Highways Private Limited
Debentures | -3% ₹3 Cr 30 Indian Bank
Debentures | -2% ₹2 Cr 20 Divi's Laboratories Ltd (Healthcare)
Equity, Since 15 Feb 22 | DIVISLAB2% ₹1 Cr 4,400 4. Tata Retirement Savings Fund - Conservative
CAGR/Annualized
return of 8.6% since its launch. Ranked 7 in Retirement Fund
category. Return for 2022 was 0.1% , 2021 was 7.6% and 2020 was 11.8% . Tata Retirement Savings Fund - Conservative
Growth Launch Date 1 Nov 11 NAV (02 Jun 23) ₹26.0027 ↑ 0.04 (0.16 %) Net Assets (Cr) ₹163 on 15 May 23 Category Solutions - Retirement Fund AMC Tata Asset Management Limited Rating ☆☆☆☆ Risk Moderately High Expense Ratio 0 Sharpe Ratio -0.51 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 31 May 18 ₹10,000 31 May 19 ₹10,493 31 May 20 ₹10,836 31 May 21 ₹12,522 31 May 22 ₹12,662 31 May 23 ₹13,568 Returns for Tata Retirement Savings Fund - Conservative
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 2 Jun 23 Duration Returns 1 Month 2.1% 3 Month 4.5% 6 Month 2.8% 1 Year 7.3% 3 Year 7.6% 5 Year 6.4% 10 Year 15 Year Since launch 8.6% Historical performance (Yearly) on absolute basis
Year Returns 2022 0.1% 2021 7.6% 2020 11.8% 2019 7.6% 2018 0.8% 2017 15.1% 2016 10.6% 2015 6.4% 2014 20.6% 2013 5.7% Fund Manager information for Tata Retirement Savings Fund - Conservative
Name Since Tenure Murthy Nagarajan 1 Apr 17 6.08 Yr. Sonam Udasi 1 Apr 16 7.08 Yr. Data below for Tata Retirement Savings Fund - Conservative as on 15 May 23
Asset Allocation
Asset Class Value Cash 5.32% Equity 29.56% Debt 65.13% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.32% Govt Stock 2024
Sovereign Bonds | -15% ₹25 Cr 2,500,000 7.38% Govt Stock 2027
Sovereign Bonds | -9% ₹15 Cr 1,500,000 7.27% Govt Stock 2026
Sovereign Bonds | -6% ₹10 Cr 1,000,000 Power Finance Corporation Ltd.
Debentures | -6% ₹10 Cr 100 Bajaj Housing Finance Limited
Debentures | -6% ₹10 Cr 100 Jamnagar Utilities & Power Private Limited
Debentures | -6% ₹10 Cr 100 Varanasi Sangam Expressway Private Limited
Debentures | -5% ₹7 Cr 80 8.24% Govt Stock 2027
Sovereign Bonds | -3% ₹5 Cr 500,000 8.1999999999999993% Govt Stock 2025
Sovereign Bonds | -3% ₹5 Cr 500,000 Bharti Telecom Limited
Debentures | -3% ₹5 Cr 50 5. ICICI Prudential Child Care Plan (Gift)
CAGR/Annualized
return of 15% since its launch. Ranked 24 in Childrens Fund
category. Return for 2022 was 2.6% , 2021 was 24.8% and 2020 was 8.8% . ICICI Prudential Child Care Plan (Gift)
Growth Launch Date 31 Aug 01 NAV (02 Jun 23) ₹209.92 ↑ 1.66 (0.80 %) Net Assets (Cr) ₹889 on 30 Apr 23 Category Solutions - Childrens Fund AMC ICICI Prudential Asset Management Company Limited Rating ☆☆ Risk Moderately High Expense Ratio 2.4 Sharpe Ratio 0.11 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 31 May 18 ₹10,000 31 May 19 ₹10,830 31 May 20 ₹9,112 31 May 21 ₹12,963 31 May 22 ₹14,033 31 May 23 ₹15,578 Returns for ICICI Prudential Child Care Plan (Gift)
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 2 Jun 23 Duration Returns 1 Month 3.4% 3 Month 8.8% 6 Month 1.3% 1 Year 12.2% 3 Year 19.1% 5 Year 9.5% 10 Year 15 Year Since launch 15% Historical performance (Yearly) on absolute basis
Year Returns 2022 2.6% 2021 24.8% 2020 8.8% 2019 8.5% 2018 -1.9% 2017 25% 2016 6.9% 2015 0.2% 2014 54.3% 2013 2.9% Fund Manager information for ICICI Prudential Child Care Plan (Gift)
Name Since Tenure Manish Banthia 15 Jan 15 8.29 Yr. Ritesh Lunawat 29 Dec 20 2.33 Yr. Lalit Kumar 1 Jun 22 0.91 Yr. Sharmila D’mello 30 Jun 22 0.83 Yr. Data below for ICICI Prudential Child Care Plan (Gift) as on 30 Apr 23
Asset Allocation
Asset Class Value Cash 3.16% Equity 76.72% Debt 20.12% Top Securities Holdings / Portfolio
Name Holding Value Quantity Bharti Airtel Ltd (Communication Services)
Equity, Since 31 May 18 | BHARTIARTL7% ₹63 Cr 790,000 ICICI Bank Ltd (Financial Services)
Equity, Since 31 Aug 19 | ICICIBANK7% ₹61 Cr 665,647 7.93% Govt Stock 2034
Sovereign Bonds | -6% ₹57 Cr 5,866,260 UltraTech Cement Ltd (Basic Materials)
Equity, Since 30 Jun 22 | ULTRACEMCO6% ₹51 Cr 66,991 JSW Steel Ltd (Basic Materials)
Equity, Since 31 Aug 22 | JSWSTEEL5% ₹45 Cr 623,485 InterGlobe Aviation Ltd (Industrials)
Equity, Since 31 Jul 22 | INDIGO4% ₹33 Cr 161,106 Maruti Suzuki India Ltd (Consumer Cyclical)
Equity, Since 31 May 22 | MARUTI3% ₹30 Cr 35,102 Lupin Ltd (Healthcare)
Equity, Since 31 Aug 21 | LUPIN3% ₹30 Cr 417,402 Tata Motors Ltd Class A (Consumer Cyclical)
Equity, Since 30 Jun 22 | TATAMTRDVR3% ₹29 Cr 1,154,236 Avanse Financial Services Limited
Debentures | -3% ₹25 Cr 250
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