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2022 में निवेश करने के लिए 5 सर्वश्रेष्ठ समाधान उन्मुख योजनाएं
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 क्या हैं?
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।
शीर्ष 5 सर्वश्रेष्ठ प्रदर्शन समाधान उन्मुख योजनाएं वित्तीय वर्ष 22 - 23
Fund NAV Net Assets (Cr) 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2023 (%) Tata Retirement Savings Fund - Progressive Growth ₹64.8761
↑ 0.64 ₹2,003 14 21.4 37.8 16.7 18.2 29 Tata Retirement Savings Fund-Moderate Growth ₹62.6116
↑ 0.52 ₹2,107 12.1 18.5 31.5 15.5 16.8 25.3 SBI Magnum Children's Benefit Plan Growth ₹101.921
↑ 0.73 ₹116 7 10.8 20.5 12 13.1 16.9 Tata Retirement Savings Fund - Conservative Growth ₹30.3429
↑ 0.10 ₹175 5.4 8.2 14.2 7.7 8.7 12.1 ICICI Prudential Child Care Plan (Gift) Growth ₹307.54
↑ 0.94 ₹1,327 6.9 18.1 38.8 19.5 17 29.2 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 24 Jul 24
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 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 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 - Progressive
CAGR/Annualized return of 15.8% since its launch. Ranked 6 in Retirement Fund category. Return for 2023 was 29% , 2022 was -3.9% and 2021 was 23.3% . Tata Retirement Savings Fund - Progressive
Growth Launch Date 1 Nov 11 NAV (24 Jul 24) ₹64.8761 ↑ 0.64 (1.00 %) Net Assets (Cr) ₹2,003 on 30 Jun 24 Category Solutions - Retirement Fund AMC Tata Asset Management Limited Rating ☆☆☆☆☆ Risk Moderately High Expense Ratio 2.01 Sharpe Ratio 2.5 Information Ratio -0.68 Alpha Ratio 4.27 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 30 Jun 19 ₹10,000 30 Jun 20 ₹9,420 30 Jun 21 ₹13,463 30 Jun 22 ₹12,836 30 Jun 23 ₹15,414 30 Jun 24 ₹21,347 Returns for Tata Retirement Savings Fund - Progressive
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 24 Jul 24 Duration Returns 1 Month 3.2% 3 Month 14% 6 Month 21.4% 1 Year 37.8% 3 Year 16.7% 5 Year 18.2% 10 Year 15 Year Since launch 15.8% Historical performance (Yearly) on absolute basis
Year Returns 2023 29% 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% Fund Manager information for Tata Retirement Savings Fund - Progressive
Name Since Tenure Murthy Nagarajan 1 Apr 17 7.25 Yr. Sonam Udasi 1 Apr 16 8.25 Yr. Data below for Tata Retirement Savings Fund - Progressive as on 30 Jun 24
Asset Allocation
Asset Class Value Cash 5.91% Equity 94.09% Top Securities Holdings / Portfolio
Name Holding Value Quantity HDFC Bank Ltd (Financial Services)
Equity, Since 30 Nov 11 | HDFCBANK6% ₹127 Cr 754,000
↑ 31,000 Reliance Industries Ltd (Energy)
Equity, Since 30 Apr 18 | RELIANCE5% ₹100 Cr 321,000 ITC Ltd (Consumer Defensive)
Equity, Since 30 Apr 18 | ITC3% ₹66 Cr 1,545,000 Solar Industries India Ltd (Basic Materials)
Equity, Since 31 Oct 22 | SOLARINDS3% ₹62 Cr 61,455 ICICI Bank Ltd (Financial Services)
Equity, Since 31 Dec 18 | ICICIBANK3% ₹57 Cr 476,000 Jupiter Wagons Ltd (Industrials)
Equity, Since 31 May 23 | JWL3% ₹51 Cr 746,538
↓ -200,000 Zomato Ltd (Consumer Cyclical)
Equity, Since 31 Mar 24 | 5433202% ₹48 Cr 2,400,000 Tata Consultancy Services Ltd (Technology)
Equity, Since 31 Aug 20 | TCS2% ₹48 Cr 122,589 Radico Khaitan Ltd (Consumer Defensive)
Equity, Since 30 Nov 17 | RADICO2% ₹45 Cr 254,600 Oil India Ltd (Energy)
Equity, Since 29 Feb 24 | OIL2% ₹45 Cr 624,942
↑ 50,000 2. Tata Retirement Savings Fund-Moderate
CAGR/Annualized return of 15.5% since its launch. Ranked 2 in Retirement Fund category. Return for 2023 was 25.3% , 2022 was -1.9% and 2021 was 20.5% . Tata Retirement Savings Fund-Moderate
Growth Launch Date 1 Nov 11 NAV (24 Jul 24) ₹62.6116 ↑ 0.52 (0.83 %) Net Assets (Cr) ₹2,107 on 30 Jun 24 Category Solutions - Retirement Fund AMC Tata Asset Management Limited Rating ☆☆☆☆☆ Risk Moderately High Expense Ratio 1.91 Sharpe Ratio 2.32 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 30 Jun 19 ₹10,000 30 Jun 20 ₹9,688 30 Jun 21 ₹13,274 30 Jun 22 ₹12,940 30 Jun 23 ₹15,369 30 Jun 24 ₹20,307 Returns for Tata Retirement Savings Fund-Moderate
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 24 Jul 24 Duration Returns 1 Month 2.9% 3 Month 12.1% 6 Month 18.5% 1 Year 31.5% 3 Year 15.5% 5 Year 16.8% 10 Year 15 Year Since launch 15.5% Historical performance (Yearly) on absolute basis
Year Returns 2023 25.3% 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% Fund Manager information for Tata Retirement Savings Fund-Moderate
Name Since Tenure Murthy Nagarajan 1 Apr 17 7.25 Yr. Sonam Udasi 1 Apr 16 8.25 Yr. Data below for Tata Retirement Savings Fund-Moderate as on 30 Jun 24
Asset Allocation
Asset Class Value Cash 8.79% Equity 82.43% Debt 8.78% Top Securities Holdings / Portfolio
Name Holding Value Quantity HDFC Bank Ltd (Financial Services)
Equity, Since 30 Nov 11 | HDFCBANK5% ₹116 Cr 687,500
↑ 11,000 Reliance Industries Ltd (Energy)
Equity, Since 30 Apr 18 | RELIANCE4% ₹93 Cr 297,000 ITC Ltd (Consumer Defensive)
Equity, Since 30 Apr 18 | ITC3% ₹67 Cr 1,576,000 Solar Industries India Ltd (Basic Materials)
Equity, Since 31 Oct 22 | SOLARINDS3% ₹56 Cr 56,100 ICICI Bank Ltd (Financial Services)
Equity, Since 31 Dec 18 | ICICIBANK2% ₹52 Cr 435,000 Radico Khaitan Ltd (Consumer Defensive)
Equity, Since 30 Nov 17 | RADICO2% ₹49 Cr 274,500 Jupiter Wagons Ltd (Industrials)
Equity, Since 31 May 23 | JWL2% ₹47 Cr 680,999
↓ -180,000 Zomato Ltd (Consumer Cyclical)
Equity, Since 31 Mar 24 | 5433202% ₹44 Cr 2,211,000 Tata Consultancy Services Ltd (Technology)
Equity, Since 31 Aug 20 | TCS2% ₹44 Cr 111,564 Oil India Ltd (Energy)
Equity, Since 29 Feb 24 | OIL2% ₹42 Cr 574,734
↑ 50,000 3. SBI Magnum Children's Benefit Plan
CAGR/Annualized return of since its launch. Ranked 1 in Childrens Fund category. Return for 2023 was 16.9% , 2022 was 1.9% and 2021 was 18.3% . SBI Magnum Children's Benefit Plan
Growth Launch Date 21 Feb 02 NAV (24 Jul 24) ₹101.921 ↑ 0.73 (0.73 %) Net Assets (Cr) ₹116 on 15 Jul 24 Category Solutions - Childrens Fund AMC SBI Funds Management Private Limited Rating ☆☆☆☆☆ Risk Moderately High Expense Ratio 2.03 Sharpe Ratio 2.89 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 30 Jun 19 ₹10,000 30 Jun 20 ₹10,171 30 Jun 21 ₹12,582 30 Jun 22 ₹13,374 30 Jun 23 ₹14,987 30 Jun 24 ₹17,834
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 24 Jul 24 Duration Returns 1 Month 2.3% 3 Month 7% 6 Month 10.8% 1 Year 20.5% 3 Year 12% 5 Year 13.1% 10 Year 15 Year Since launch Historical performance (Yearly) on absolute basis
Year Returns 2023 16.9% 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% Fund Manager information for SBI Magnum Children's Benefit Plan
Name Since Tenure R. Srinivasan 13 Jan 21 3.47 Yr. Rajeev Radhakrishnan 9 Jun 08 16.07 Yr. Mohit Jain 30 Nov 17 6.59 Yr. Data below for SBI Magnum Children's Benefit Plan as on 15 Jul 24
Asset Allocation
Asset Class Value Cash 6.6% Equity 23.81% Debt 69.6% Top Securities Holdings / Portfolio
Name Holding Value Quantity Uttar Pradesh (Government of) 7.38%
- | -13% ₹15 Cr 1,500,000 7.18% Govt Stock 2033
Sovereign Bonds | -9% ₹10 Cr 1,000,000 7.1% Govt Stock 2034
Sovereign Bonds | -9% ₹10 Cr 1,000,000 7.3% Govt Stock 2053
Sovereign Bonds | -4% ₹5 Cr 500,000 Rajasthan (Government of ) 7.49%
- | -4% ₹5 Cr 500,000 Sundaram Finance Ltd.
Debentures | -4% ₹5 Cr 500
↑ 500 Nexus Select Trust
Debentures | -4% ₹5 Cr 500 Mahindra & Mahindra Financial Services Ltd
Debentures | -4% ₹5 Cr 500 Gs CG 16/12/2026 - (Strips) Tb
Sovereign Bonds | -3% ₹3 Cr 375,000 Mahanagar Telephone Nigam Limited
Debentures | -3% ₹3 Cr 30 4. Tata Retirement Savings Fund - Conservative
CAGR/Annualized return of 9.1% since its launch. Ranked 7 in Retirement Fund category. Return for 2023 was 12.1% , 2022 was 0.1% and 2021 was 7.6% . Tata Retirement Savings Fund - Conservative
Growth Launch Date 1 Nov 11 NAV (24 Jul 24) ₹30.3429 ↑ 0.10 (0.34 %) Net Assets (Cr) ₹175 on 30 Jun 24 Category Solutions - Retirement Fund AMC Tata Asset Management Limited Rating ☆☆☆☆ Risk Moderately High Expense Ratio 1.99 Sharpe Ratio 1.97 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 30 Jun 19 ₹10,000 30 Jun 20 ₹10,536 30 Jun 21 ₹11,947 30 Jun 22 ₹11,872 30 Jun 23 ₹12,991 30 Jun 24 ₹14,879 Returns for Tata Retirement Savings Fund - Conservative
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 24 Jul 24 Duration Returns 1 Month 1.3% 3 Month 5.4% 6 Month 8.2% 1 Year 14.2% 3 Year 7.7% 5 Year 8.7% 10 Year 15 Year Since launch 9.1% Historical performance (Yearly) on absolute basis
Year Returns 2023 12.1% 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% Fund Manager information for Tata Retirement Savings Fund - Conservative
Name Since Tenure Murthy Nagarajan 1 Apr 17 7.25 Yr. Sonam Udasi 1 Apr 16 8.25 Yr. Data below for Tata Retirement Savings Fund - Conservative as on 30 Jun 24
Asset Allocation
Asset Class Value Cash 19.62% Equity 29.32% Debt 51.06% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.38% Govt Stock 2027
Sovereign Bonds | -9% ₹15 Cr 1,500,000 7.17% Govt Stock 2030
Sovereign Bonds | -9% ₹15 Cr 1,500,000 7.36% Govt Stock 2052
Sovereign Bonds | -6% ₹10 Cr 1,000,000 7.27% Govt Stock 2026
Sovereign Bonds | -6% ₹10 Cr 1,000,000 Power Finance Corporation Limited
Debentures | -6% ₹10 Cr 100 Jamnagar Utilities & Power Private Limited
Debentures | -6% ₹10 Cr 100 8.24% Govt Stock 2027
Sovereign Bonds | -3% ₹5 Cr 500,000 8.2% Govt Stock 2025
Sovereign Bonds | -3% ₹5 Cr 500,000 Bharti Telecom Limited
Debentures | -3% ₹5 Cr 50 08.44 MH Sdl 2024
Sovereign Bonds | -2% ₹4 Cr 350,000 5. ICICI Prudential Child Care Plan (Gift)
CAGR/Annualized return of 16.1% since its launch. Ranked 24 in Childrens Fund category. Return for 2023 was 29.2% , 2022 was 2.6% and 2021 was 24.8% . ICICI Prudential Child Care Plan (Gift)
Growth Launch Date 31 Aug 01 NAV (24 Jul 24) ₹307.54 ↑ 0.94 (0.31 %) Net Assets (Cr) ₹1,327 on 30 Jun 24 Category Solutions - Childrens Fund AMC ICICI Prudential Asset Management Company Limited Rating ☆☆ Risk Moderately High Expense Ratio 2.39 Sharpe Ratio 2.76 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 30 Jun 19 ₹10,000 30 Jun 20 ₹8,827 30 Jun 21 ₹12,296 30 Jun 22 ₹12,630 30 Jun 23 ₹15,096 30 Jun 24 ₹21,486 Returns for ICICI Prudential Child Care Plan (Gift)
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 24 Jul 24 Duration Returns 1 Month 0.3% 3 Month 6.9% 6 Month 18.1% 1 Year 38.8% 3 Year 19.5% 5 Year 17% 10 Year 15 Year Since launch 16.1% Historical performance (Yearly) on absolute basis
Year Returns 2023 29.2% 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% Fund Manager information for ICICI Prudential Child Care Plan (Gift)
Name Since Tenure Lalit Kumar 1 Jun 22 2.08 Yr. Sharmila D’mello 30 Jun 22 2.01 Yr. Darshil Dedhia 22 Jan 24 0.44 Yr. Rohit Lakhotia 12 Jun 23 1.05 Yr. Data below for ICICI Prudential Child Care Plan (Gift) as on 30 Jun 24
Asset Allocation
Asset Class Value Cash 4.97% Equity 83.65% Debt 11.37% Top Securities Holdings / Portfolio
Name Holding Value Quantity Bharti Airtel Ltd (Communication Services)
Equity, Since 31 May 18 | BHARTIARTL7% ₹95 Cr 659,000 UltraTech Cement Ltd (Basic Materials)
Equity, Since 30 Jun 22 | ULTRACEMCO6% ₹78 Cr 66,700 8% Govt Stock 2034
Sovereign Bonds | -4% ₹59 Cr 5,866,260 Ambuja Cements Ltd (Basic Materials)
Equity, Since 31 Aug 22 | AMBUJACEM3% ₹41 Cr 613,000 Jindal Stainless Ltd (Basic Materials)
Equity, Since 31 Oct 22 | JSL3% ₹40 Cr 482,802 JSW Steel Ltd (Basic Materials)
Equity, Since 31 Aug 22 | JSWSTEEL3% ₹38 Cr 409,287 ICICI Bank Ltd (Financial Services)
Equity, Since 31 Aug 19 | ICICIBANK3% ₹38 Cr 315,147 Hindustan Aeronautics Ltd Ordinary Shares (Industrials)
Equity, Since 30 Jun 24 | HAL3% ₹37 Cr 70,000
↑ 70,000 Hindustan Petroleum Corp Ltd (Energy)
Equity, Since 30 Jun 22 | 5001043% ₹35 Cr 1,068,054 7.18% Govt Stock 2033
Sovereign Bonds | -3% ₹35 Cr 3,500,000
↓ -4,500,000
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