Tata Retirement Savings Fund-Conservative Plan Overview
Category Retirement Fund
BMSMONEY Rank 22
BMSMONEY Rating
Gro. Opt. As On: 20-12-2024
NAV ₹30.86(R) -0.56% ₹35.89(D) -0.56%
Returns 1Y 3Y 5Y 7Y 10Y
LumpSum (R) 11.09% 7.73% 8.17% 7.06% 8.14%
LumpSum (D) 12.44% 9.01% 9.46% 8.39% 9.55%
SIP (R) -37.12% 4.8% 7.0% 7.51% 7.75%
SIP (D) -36.27% 6.13% 8.32% 8.82% 9.12%
Ratio Sharpe Ratio Sortino Ratio Sterling Ratio Jensen's Alpha Treynor Ratio
0.12 0.06 0.51 -% -
Risk STD. Dev VaR 1Y95% Max DD Beta Semi Devi.
4.12% -4.33% -4.47% - 2.94%
Top Retirement Fund
Fund Name Rank Rating
Icici Prudential Retirement Fund - Pure Equity Plan 1
Icici Prudential Retirement Fund - Hybrid Aggressive Plan 2
Hdfc Retirement Savings Fund - Equity Plan 3
Nippon India Retirement Fund - Wealth Creation Scheme 4
Tata Retirement Savings Fund-Moderate Plan 5
Tata Retirement Savings Fund-Progressive Plan 6

NAV Date: 20-12-2024

Scheme Name NAV Rupee Change Percent Change
Tata Retirement Savings Fund- Conservative Plan-Regular Plan-Growth Option 30.86
-0.1700
-0.5600%
Tata Retirement Savings Fund- Conservative Plan-Direct Plan-Growth Option 35.89
-0.2000
-0.5600%

Review Date: 20-12-2024

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 11.09% in 1 year, 7.73% in 3 years, 8.17% in 5 years and 8.14% in 10 years. The category average for the same periods is 16.74%, 12.31%, 12.6% and 10.7% respectively, which shows average return performance of fund in the category. The fund has exhibited standard deviation of 4.12, VaR of -4.33, Average Drawdown of -1.99, Semi Deviation of 2.94 and Max Drawdown of -4.47. The category average for the same parameters is 7.85, -8.9, -3.26, 5.5 and -6.98 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 ₹11244.0 in 1 year, ₹12953.0 in 3 years and ₹15714.0 in 5 years as of today (20-12-2024).
  2. An SIP of ₹1,000 per month in Tata Retirement Savings Fund-Conservative Plan direct growth option would have grown to ₹9482.0 in 1 year, ₹39515.0 in 3 years and ₹74017.0 in 5 years as of today (20-12-2024).
  3. standard deviation of 4.12 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 0.12 which shows average 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 % 1.51
1.83
0.29 | 5.59 14 | 29 Good
3M Return % -0.89
-3.19
-7.60 | 1.36 8 | 29 Very Good
6M Return % 3.11
3.03
-2.50 | 6.36 17 | 29 Average
1Y Return % 11.09
16.74
6.09 | 29.67 22 | 27 Poor
3Y Return % 7.73
12.31
3.97 | 22.14 21 | 25 Average
5Y Return % 8.17
12.60
4.08 | 23.44 14 | 18 Average
7Y Return % 7.06
10.32
7.06 | 16.22 10 | 10 Poor
10Y Return % 8.14
10.70
8.14 | 14.07 5 | 5 Average
1Y SIP Return % -37.12
-36.11
-39.30 | -30.01 15 | 27 Average
3Y SIP Return % 4.80
10.41
-0.16 | 22.72 20 | 25 Average
5Y SIP Return % 7.00
12.97
2.45 | 26.40 14 | 18 Average
7Y SIP Return % 7.51
12.90
7.37 | 21.23 9 | 10 Average
10Y SIP Return % 7.75
11.24
7.75 | 15.22 5 | 5 Average
Standard Deviation 4.12
7.85
1.23 | 13.56 6 | 25 Very Good
Semi Deviation 2.94
5.50
0.98 | 9.65 6 | 25 Very Good
Max Drawdown % -4.47
-6.98
-15.04 | -0.64 9 | 25 Good
VaR 1 Y % -4.33
-8.90
-17.51 | -0.93 6 | 25 Very Good
Average Drawdown % -1.99
-3.26
-7.29 | -0.64 10 | 25 Good
Sharpe Ratio 0.12
0.39
-1.71 | 1.13 21 | 25 Average
Sterling Ratio 0.51
0.69
0.33 | 1.18 18 | 25 Average
Sortino Ratio 0.06
0.23
-0.47 | 0.61 21 | 25 Average
Return data last Updated On : Dec. 20, 2024.
Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : Nov. 29, 2024
KPIs: Key Performance Indicators

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KPIs* Fund Benchmark Cat. Avg Min | Max Rank (In Cat.) Performance
1M Return % 1.60 1.92 0.37 | 5.71 14 | 29
3M Return % -0.60 -2.90 -7.35 | 1.61 8 | 29
6M Return % 3.73 3.65 -1.95 | 7.05 17 | 29
1Y Return % 12.44 18.10 7.34 | 31.57 20 | 27
3Y Return % 9.01 13.64 5.25 | 23.89 20 | 25
5Y Return % 9.46 14.02 5.41 | 24.94 14 | 18
7Y Return % 8.39 11.59 8.34 | 17.71 9 | 10
10Y Return % 9.55 11.95 9.37 | 15.82 4 | 5
1Y SIP Return % -36.27 -35.27 -38.52 | -28.86 15 | 27
3Y SIP Return % 6.13 11.78 1.14 | 24.56 20 | 25
5Y SIP Return % 8.32 14.39 3.78 | 28.25 14 | 18
7Y SIP Return % 8.82 14.19 8.60 | 22.69 9 | 10
10Y SIP Return % 9.12 12.49 9.12 | 16.94 5 | 5
Standard Deviation 4.12 7.85 1.23 | 13.56 6 | 25
Semi Deviation 2.94 5.50 0.98 | 9.65 6 | 25
Max Drawdown % -4.47 -6.98 -15.04 | -0.64 9 | 25
VaR 1 Y % -4.33 -8.90 -17.51 | -0.93 6 | 25
Average Drawdown % -1.99 -3.26 -7.29 | -0.64 10 | 25
Sharpe Ratio 0.12 0.39 -1.71 | 1.13 21 | 25
Sterling Ratio 0.51 0.69 0.33 | 1.18 18 | 25
Sortino Ratio 0.06 0.23 -0.47 | 0.61 21 | 25
Return data last Updated On : Dec. 20, 2024.
Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : Nov. 29, 2024
KPIs: Key Performance Indicators

Investment Period Regular Direct
Return % Current Value of ₹ 10000 Return % Current Value of ₹ 10000
1D -0.56 ₹ 9,944.00 -0.56 ₹ 9,944.00
1W -1.05 ₹ 9,895.00 -1.03 ₹ 9,897.00
1M 1.51 ₹ 10,151.00 1.60 ₹ 10,160.00
3M -0.89 ₹ 9,911.00 -0.60 ₹ 9,940.00
6M 3.11 ₹ 10,311.00 3.73 ₹ 10,373.00
1Y 11.09 ₹ 11,109.00 12.44 ₹ 11,244.00
3Y 7.73 ₹ 12,502.00 9.01 ₹ 12,953.00
5Y 8.17 ₹ 14,808.00 9.46 ₹ 15,714.00
7Y 7.06 ₹ 16,125.00 8.39 ₹ 17,577.00
10Y 8.14 ₹ 21,870.00 9.55 ₹ 24,885.00
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 -37.12 ₹ 9,418.70 -36.27 ₹ 9,482.26
3Y ₹ 36000 4.80 ₹ 38,730.56 6.13 ₹ 39,515.47
5Y ₹ 60000 7.00 ₹ 71,605.44 8.32 ₹ 74,017.14
7Y ₹ 84000 7.51 ₹ 109,730.71 8.82 ₹ 115,011.79
10Y ₹ 120000 7.75 ₹ 178,962.48 9.12 ₹ 192,334.80
15Y ₹ 180000 ₹ ₹


Date Tata Retirement Savings Fund-Conservative Plan NAV Regular Growth Tata Retirement Savings Fund-Conservative Plan NAV Direct Growth
20-12-2024 30.8604 35.8865
19-12-2024 31.0346 36.0879
18-12-2024 31.1111 36.1756
17-12-2024 31.1654 36.2375
16-12-2024 31.2224 36.3026
13-12-2024 31.1886 36.2597
12-12-2024 31.1801 36.2486
11-12-2024 31.2292 36.3045
10-12-2024 31.1923 36.2604
09-12-2024 31.1549 36.2157
06-12-2024 31.1295 36.1826
05-12-2024 31.108 36.1564
04-12-2024 31.015 36.0471
03-12-2024 30.9789 36.004
02-12-2024 30.9358 35.9527
29-11-2024 30.86 35.861
28-11-2024 30.8045 35.7953
27-11-2024 30.8084 35.7987
26-11-2024 30.7135 35.6872
25-11-2024 30.6844 35.6522
22-11-2024 30.5141 35.4508
21-11-2024 30.4022 35.3197

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.