Tata Retirement Savings Fund-Conservative Plan Overview
Category Retirement Fund
BMSMONEY Rank 22
BMSMONEY Rating
Gro. Opt. As On: 19-11-2024
NAV ₹30.46(R) +0.16% ₹35.38(D) +0.17%
Returns 1Y 3Y 5Y 7Y 10Y
LumpSum (R) 11.42% 6.61% 7.95% 7.01% 8.06%
LumpSum (D) 12.71% 7.87% 9.24% 8.34% 9.47%
SIP (R) -23.25% 6.06% 5.1% 5.69% 6.31%
SIP (D) -22.3% 7.37% 6.37% 6.97% 7.66%
Ratio Sharpe Ratio Sortino Ratio Sterling Ratio Jensen's Alpha Treynor Ratio
0.04 0.02 0.48 -% -
Risk STD. Dev VaR 1Y95% Max DD Beta Semi Devi.
4.2% -4.33% -4.63% - 2.98%
Top Retirement Fund
Fund Name Rank Rating
Icici Prudential Retirement Fund - Pure Equity Plan 1
Hdfc Retirement Savings Fund - Equity Plan 2
Icici Prudential Retirement Fund - Hybrid Aggressive Plan 3
Hdfc Retirement Savings Fund - Hybrid - Equity Plan 4
Tata Retirement Savings Fund-Moderate Plan 5
Nippon India Retirement Fund - Wealth Creation Scheme 6

NAV Date: 19-11-2024

Scheme Name NAV Rupee Change Percent Change
Tata Retirement Savings Fund- Conservative Plan-Regular Plan-Growth Option 30.46
0.0500
0.1600%
Tata Retirement Savings Fund- Conservative Plan-Direct Plan-Growth Option 35.38
0.0600
0.1700%

Review Date: 19-11-2024

Tata Retirement Savings Fund-Conservative Plan has shown poor performance in the Retirement Fund category. The fund has rank of 22 out of 25 funds in the category. The fund has delivered return of 11.42% in 1 year, 6.61% in 3 years, 7.95% in 5 years and 8.06% in 10 years. The category average for the same periods is 19.42%, 10.43%, 12.41% and 10.54% respectively, which shows average return performance of fund in the category. The fund has exhibited standard deviation of 4.2, VaR of -4.33, Average Drawdown of -2.03, Semi Deviation of 2.98 and Max Drawdown of -4.63. The category average for the same parameters is 7.98, -8.94, -3.68, 5.59 and -7.54 respectively. The fund has very low risk in the category.

Key Points:

  1. An investment of ₹10,000 in Tata Retirement Savings Fund-Conservative Plan direct growth option would have grown to ₹11271.0 in 1 year, ₹12553.0 in 3 years and ₹15558.0 in 5 years as of today (19-11-2024).
  2. An SIP of ₹1,000 per month in Tata Retirement Savings Fund-Conservative Plan direct growth option would have grown to ₹10491.0 in 1 year, ₹40253.0 in 3 years and ₹70480.0 in 5 years as of today (19-11-2024).
  3. standard deviation of 4.2 and based on VaR one can expect to lose more than -4.33% of current value of fund in one year.
  4. Sharpe ratio of the fund is 0.04 which shows poor performance of fund in the retirement fund category.


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KPIs* Fund Benchmark Cat. Avg Min | Max Rank (In Cat.) Performance
1M Return % -1.39
-2.82
-5.25 | 0.45 8 | 29 Very Good
3M Return % -0.46
-1.30
-4.19 | 1.63 10 | 29 Good
6M Return % 4.16
5.37
3.04 | 9.55 22 | 28 Poor
1Y Return % 11.42
19.42
6.38 | 37.30 23 | 27 Poor
3Y Return % 6.61
10.43
3.89 | 19.59 21 | 25 Average
5Y Return % 7.95
12.41
4.00 | 23.32 14 | 18 Average
7Y Return % 7.01
10.26
6.88 | 16.35 9 | 10 Average
10Y Return % 8.06
10.54
8.06 | 13.86 5 | 5 Average
1Y SIP Return % -23.25
-10.52
-24.66 | 2.46 25 | 27 Poor
3Y SIP Return % 6.06
12.78
1.61 | 25.75 22 | 25 Poor
5Y SIP Return % 5.10
12.66
0.88 | 27.23 14 | 18 Average
7Y SIP Return % 5.69
12.42
5.63 | 21.55 9 | 10 Average
10Y SIP Return % 6.31
10.70
6.31 | 14.55 5 | 5 Average
Standard Deviation 4.20
7.98
1.23 | 13.95 6 | 25 Very Good
Semi Deviation 2.98
5.59
0.99 | 9.91 6 | 25 Very Good
Max Drawdown % -4.63
-7.54
-16.94 | -0.66 9 | 25 Good
VaR 1 Y % -4.33
-8.94
-17.51 | -0.97 6 | 25 Very Good
Average Drawdown % -2.03
-3.68
-10.93 | -0.65 11 | 25 Good
Sharpe Ratio 0.04
0.34
-1.67 | 1.14 22 | 25 Poor
Sterling Ratio 0.48
0.65
0.33 | 1.23 21 | 25 Average
Sortino Ratio 0.02
0.20
-0.46 | 0.62 22 | 25 Poor
Return data last Updated On : Nov. 19, 2024.
Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : Oct. 31, 2024
KPIs: Key Performance Indicators

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KPIs* Fund Benchmark Cat. Avg Min | Max Rank (In Cat.) Performance
1M Return % -1.30 -2.72 -5.15 | 0.53 8 | 29
3M Return % -0.16 -1.00 -3.96 | 1.89 11 | 29
6M Return % 4.77 5.99 3.81 | 10.29 20 | 28
1Y Return % 12.71 20.81 7.63 | 39.31 23 | 27
3Y Return % 7.87 11.75 5.17 | 21.28 23 | 25
5Y Return % 9.24 13.83 5.35 | 24.81 14 | 18
7Y Return % 8.34 11.53 8.12 | 17.85 9 | 10
10Y Return % 9.47 11.79 9.41 | 15.61 4 | 5
1Y SIP Return % -22.30 -9.42 -23.75 | 3.85 23 | 27
3Y SIP Return % 7.37 14.13 2.89 | 27.54 21 | 25
5Y SIP Return % 6.37 14.05 2.16 | 29.04 14 | 18
7Y SIP Return % 6.97 13.69 6.83 | 23.00 9 | 10
10Y SIP Return % 7.66 11.93 7.66 | 16.25 5 | 5
Standard Deviation 4.20 7.98 1.23 | 13.95 6 | 25
Semi Deviation 2.98 5.59 0.99 | 9.91 6 | 25
Max Drawdown % -4.63 -7.54 -16.94 | -0.66 9 | 25
VaR 1 Y % -4.33 -8.94 -17.51 | -0.97 6 | 25
Average Drawdown % -2.03 -3.68 -10.93 | -0.65 11 | 25
Sharpe Ratio 0.04 0.34 -1.67 | 1.14 22 | 25
Sterling Ratio 0.48 0.65 0.33 | 1.23 21 | 25
Sortino Ratio 0.02 0.20 -0.46 | 0.62 22 | 25
Return data last Updated On : Nov. 19, 2024.
Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : Oct. 31, 2024
KPIs: Key Performance Indicators

Investment Period Regular Direct
Return % Current Value of ₹ 10000 Return % Current Value of ₹ 10000
1D 0.16 ₹ 10,016.00 0.17 ₹ 10,017.00
1W -0.51 ₹ 9,949.00 -0.49 ₹ 9,951.00
1M -1.39 ₹ 9,861.00 -1.30 ₹ 9,870.00
3M -0.46 ₹ 9,954.00 -0.16 ₹ 9,984.00
6M 4.16 ₹ 10,416.00 4.77 ₹ 10,477.00
1Y 11.42 ₹ 11,142.00 12.71 ₹ 11,271.00
3Y 6.61 ₹ 12,116.00 7.87 ₹ 12,553.00
5Y 7.95 ₹ 14,661.00 9.24 ₹ 15,558.00
7Y 7.01 ₹ 16,072.00 8.34 ₹ 17,525.00
10Y 8.06 ₹ 21,717.00 9.47 ₹ 24,717.00
15Y ₹ ₹

Disclaimer: Past performance may or may not be sustained in future and should not be used as a basis for comparison with other investments. Returns for periods above 1 year are annualised.

Investment Period Invested Amount Regular Direct
XIRR % Current Value of Invested Amount XIRR % Current Value of Invested Amount
1Y ₹ 12000 -23.25 ₹ 10,422.91 -22.30 ₹ 10,490.54
3Y ₹ 36000 6.06 ₹ 39,471.77 7.37 ₹ 40,253.00
5Y ₹ 60000 5.10 ₹ 68,265.90 6.37 ₹ 70,480.26
7Y ₹ 84000 5.69 ₹ 102,836.50 6.97 ₹ 107,648.18
10Y ₹ 120000 6.31 ₹ 165,969.96 7.66 ₹ 178,172.52
15Y ₹ 180000 ₹ ₹


Date Tata Retirement Savings Fund-Conservative Plan NAV Regular Growth Tata Retirement Savings Fund-Conservative Plan NAV Direct Growth
19-11-2024 30.4597 35.3842
18-11-2024 30.41 35.3252
14-11-2024 30.4262 35.3394
13-11-2024 30.4038 35.3122
12-11-2024 30.6154 35.5567
11-11-2024 30.7069 35.6618
08-11-2024 30.742 35.699
07-11-2024 30.8366 35.8078
06-11-2024 30.8499 35.822
05-11-2024 30.6857 35.6301
04-11-2024 30.6598 35.5988
31-10-2024 30.7229 35.6675
30-10-2024 30.682 35.6187
29-10-2024 30.6405 35.5694
28-10-2024 30.5782 35.4959
25-10-2024 30.5565 35.4672
24-10-2024 30.6718 35.5998
23-10-2024 30.7393 35.677
22-10-2024 30.6443 35.5656
21-10-2024 30.8899 35.8494

Fund Launch Date: 01/Jan/2013
Fund Category: Retirement Fund
Investment Objective: The objective of the Fund is 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.
Fund Description: A) Invests upto 30% of portfolio in equity b) Ideal during last couple of years from retirement and post retirement to save accumulated retirement corpus c) Retirement solution oriented scheme having a lock-in of 5 years or till retirement age ie 60 years (whichever is earlier)
Fund Benchmark: CRISIL Short Term Debt Hybrid 75 + 25 Fund Index
Source: Fund FactSheet

Disclaimer: NO INVESTMENT ADVICE. The Content is for informational purposes only.