Tata Retirement Savings Fund-Moderate Plan Overview
Category Retirement Fund
BMSMONEY Rank 5
BMSMONEY Rating
Gro. Opt. As On: 19-11-2024
NAV ₹61.97(R) +0.49% ₹73.11(D) +0.49%
Returns 1Y 3Y 5Y 7Y 10Y
LumpSum (R) 22.25% 11.74% 14.64% 11.46% 12.75%
LumpSum (D) 23.98% 13.35% 16.31% 13.06% 14.32%
SIP (R) -1.39% 17.18% 16.49% 14.61% 13.4%
SIP (D) 0.08% 18.87% 18.17% 16.23% 14.97%
Ratio Sharpe Ratio Sortino Ratio Sterling Ratio Jensen's Alpha Treynor Ratio
0.54 0.28 0.58 -% -
Risk STD. Dev VaR 1Y95% Max DD Beta Semi Devi.
10.46% -11.43% -12.01% - 7.24%
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- Moderate Plan-Regular Plan-Growth Option 61.97
0.3000
0.4900%
Tata Retirement Savings Fund- Moderate Plan -Direct Plan-Growth Option 73.11
0.3600
0.4900%

Review Date: 19-11-2024

Tata Retirement Savings Fund-Moderate Plan has shown very good performance in the Retirement Fund category. The fund has rank of 5 out of 25 funds in the category. The fund has delivered return of 22.25% in 1 year, 11.74% in 3 years, 14.64% in 5 years and 12.75% in 10 years. The category average for the same periods is 19.42%, 10.43%, 12.41% and 10.54% respectively, which shows good return performance of fund in the category. The fund has exhibited standard deviation of 10.46, VaR of -11.43, Average Drawdown of -4.41, Semi Deviation of 7.24 and Max Drawdown of -12.01. The category average for the same parameters is 7.98, -8.94, -3.68, 5.59 and -7.54 respectively. The fund has average risk in the category.

Key Points:

  1. An investment of ₹10,000 in Tata Retirement Savings Fund-Moderate Plan direct growth option would have grown to ₹12398.0 in 1 year, ₹14563.0 in 3 years and ₹21288.0 in 5 years as of today (19-11-2024).
  2. An SIP of ₹1,000 per month in Tata Retirement Savings Fund-Moderate Plan direct growth option would have grown to ₹12005.0 in 1 year, ₹47539.0 in 3 years and ₹94450.0 in 5 years as of today (19-11-2024).
  3. standard deviation of 10.46 and based on VaR one can expect to lose more than -11.43% of current value of fund in one year.
  4. Sharpe ratio of the fund is 0.54 which shows good 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 % -3.55
-2.82
-5.25 | 0.45 18 | 29 Average
3M Return % -2.31
-1.30
-4.19 | 1.63 21 | 29 Average
6M Return % 7.56
5.37
3.04 | 9.55 4 | 28 Very Good
1Y Return % 22.25
19.42
6.38 | 37.30 10 | 27 Good
3Y Return % 11.74
10.43
3.89 | 19.59 9 | 25 Good
5Y Return % 14.64
12.41
4.00 | 23.32 7 | 18 Good
7Y Return % 11.46
10.26
6.88 | 16.35 4 | 10 Good
10Y Return % 12.75
10.54
8.06 | 13.86 2 | 5 Very Good
1Y SIP Return % -1.39
-10.52
-24.66 | 2.46 6 | 27 Very Good
3Y SIP Return % 17.18
12.78
1.61 | 25.75 7 | 25 Very Good
5Y SIP Return % 16.49
12.66
0.88 | 27.23 7 | 18 Good
7Y SIP Return % 14.61
12.42
5.63 | 21.55 5 | 10 Good
10Y SIP Return % 13.40
10.70
6.31 | 14.55 2 | 5 Very Good
Standard Deviation 10.46
7.98
1.23 | 13.95 16 | 25 Average
Semi Deviation 7.24
5.59
0.99 | 9.91 16 | 25 Average
Max Drawdown % -12.01
-7.54
-16.94 | -0.66 20 | 25 Average
VaR 1 Y % -11.43
-8.94
-17.51 | -0.97 15 | 25 Average
Average Drawdown % -4.41
-3.68
-10.93 | -0.65 17 | 25 Average
Sharpe Ratio 0.54
0.34
-1.67 | 1.14 10 | 25 Good
Sterling Ratio 0.58
0.65
0.33 | 1.23 13 | 25 Good
Sortino Ratio 0.28
0.20
-0.46 | 0.62 9 | 25 Good
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 % -3.44 -2.72 -5.15 | 0.53 18 | 29
3M Return % -1.97 -1.00 -3.96 | 1.89 21 | 29
6M Return % 8.32 5.99 3.81 | 10.29 4 | 28
1Y Return % 23.98 20.81 7.63 | 39.31 10 | 27
3Y Return % 13.35 11.75 5.17 | 21.28 9 | 25
5Y Return % 16.31 13.83 5.35 | 24.81 7 | 18
7Y Return % 13.06 11.53 8.12 | 17.85 4 | 10
10Y Return % 14.32 11.79 9.41 | 15.61 2 | 5
1Y SIP Return % 0.08 -9.42 -23.75 | 3.85 6 | 27
3Y SIP Return % 18.87 14.13 2.89 | 27.54 7 | 25
5Y SIP Return % 18.17 14.05 2.16 | 29.04 7 | 18
7Y SIP Return % 16.23 13.69 6.83 | 23.00 5 | 10
10Y SIP Return % 14.97 11.93 7.66 | 16.25 2 | 5
Standard Deviation 10.46 7.98 1.23 | 13.95 16 | 25
Semi Deviation 7.24 5.59 0.99 | 9.91 16 | 25
Max Drawdown % -12.01 -7.54 -16.94 | -0.66 20 | 25
VaR 1 Y % -11.43 -8.94 -17.51 | -0.97 15 | 25
Average Drawdown % -4.41 -3.68 -10.93 | -0.65 17 | 25
Sharpe Ratio 0.54 0.34 -1.67 | 1.14 10 | 25
Sterling Ratio 0.58 0.65 0.33 | 1.23 13 | 25
Sortino Ratio 0.28 0.20 -0.46 | 0.62 9 | 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 0.49 ₹ 10,049.00 0.49 ₹ 10,049.00
1W -1.10 ₹ 9,890.00 -1.07 ₹ 9,893.00
1M -3.55 ₹ 9,645.00 -3.44 ₹ 9,656.00
3M -2.31 ₹ 9,769.00 -1.97 ₹ 9,803.00
6M 7.56 ₹ 10,756.00 8.32 ₹ 10,832.00
1Y 22.25 ₹ 12,225.00 23.98 ₹ 12,398.00
3Y 11.74 ₹ 13,953.00 13.35 ₹ 14,563.00
5Y 14.64 ₹ 19,801.00 16.31 ₹ 21,288.00
7Y 11.46 ₹ 21,375.00 13.06 ₹ 23,610.00
10Y 12.75 ₹ 33,208.00 14.32 ₹ 38,142.00
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 -1.39 ₹ 11,909.12 0.08 ₹ 12,005.30
3Y ₹ 36000 17.18 ₹ 46,418.15 18.87 ₹ 47,538.72
5Y ₹ 60000 16.49 ₹ 90,631.26 18.17 ₹ 94,449.54
7Y ₹ 84000 14.61 ₹ 141,436.34 16.23 ₹ 149,900.69
10Y ₹ 120000 13.40 ₹ 241,628.88 14.97 ₹ 262,830.84
15Y ₹ 180000 ₹ ₹


Date Tata Retirement Savings Fund-Moderate Plan NAV Regular Growth Tata Retirement Savings Fund-Moderate Plan NAV Direct Growth
19-11-2024 61.9666 73.1144
18-11-2024 61.666 72.7569
14-11-2024 61.7409 72.834
13-11-2024 61.4693 72.5109
12-11-2024 62.6528 73.9042
11-11-2024 63.168 74.5091
08-11-2024 63.4186 74.796
07-11-2024 64.0093 75.4898
06-11-2024 64.1128 75.6089
05-11-2024 63.1253 74.4415
04-11-2024 63.0175 74.3115
31-10-2024 63.4659 74.8287
30-10-2024 63.2118 74.5262
29-10-2024 62.9664 74.234
28-10-2024 62.6268 73.8308
25-10-2024 62.4384 73.6003
24-10-2024 63.096 74.3725
23-10-2024 63.3913 74.7178
22-10-2024 62.8948 74.1297
21-10-2024 64.2452 75.7185

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 between 65-85% of portfolio in equity. b) Ideal for middle aged and moderate risk profile investors with medium to long term investment horizon. c) Ideal for moderate risk profile investors who have 10 to 15yrs to retire. d) Retirement solution oriented scheme having a lock-in of 5 years or till retirement age ie 60 years (whichever is earlier)
Fund Benchmark: CRISIL Hybrid 25 + 75 Fund Aggressive Index
Source: Fund FactSheet

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