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Aditya Birla Sun Life AMC Limited

Aditya Birla Sun Life AMC Limited

    • ABSL Retirement Fund - The 50s Plus Debt Plan

    Solution Oriented Retirement Fund

    An open-ended retirement solution oriented scheme having a lock-in of 5 years or till retirement age (whichever is earlier)

    AUM (In crores)

    NAV

    Annualized Returns %

    Annualized

    Returns %

    1 Year

    3 Year

    5 Year

    Since Inception

    Aditya Birla Sun Life Retirement Fund - The 50s
    Plus Debt Plan

    SIP Amount
    Min . ₹ 500
    Lumpsum Amount
    Min. ₹ 1,000

    Fund Overview

    Aditya Birla Sun Life Retirement Fund - The 50s Plus Debt Plan is an open-ended retirement solution-oriented scheme having a lock-in of 5 years or till retirement age (whichever is earlier).

    Investment Objective

    The primary investment objective of the Scheme is income generation and capital appreciation for its investors which will be in line with their retirement goals by investing in debt and money market instruments.

    The Scheme does not guarantee/indicate any returns. There can be no assurance that the schemes’ objectives will be achieved.

    Why one can invest:

    • check-circle

      If you are looking for a suitable investment avenue to invest your accumulated retirement corpus for the balance of your retirement years.

    • If you are looking to earn better returns than conventional fixed income instruments.

    • If you are looking for a debt investment route to meet your long-term retirement needs of regular income along with capital preservation.

    • If you are also looking to build a diversified portfolio of debt and money market instruments, with investments as little as Rs.1000

      Also read - Fixed Income Mutual Funds

    Fund Details

    CAGR

    Latest NAV

    (as on )

    AUM

    ()

    Inception Date

    ()

    Risk

    Investment Horizon

    Long term retirement needs – 5 years or more

    Annualized Benchmark Returns

    Min Investment

    Entry load

    NIL

    Exit load

    NIL

    information icon
    Upon completion of lock-in period of minimum 5 years from the date of allotment of units or Retirement Age of Unit holder (i.e. completion of 60 years, whichever is earlier): Nil

    Modified Duration

    -

    Yield to Maturity

    -

    Portfolio Turnover:

    -

    Average Maturity

    -

    Macaulay Duration

    -

    Net Equity Exposure

    -

    Total Expense Ratio (TER)

    Sharpe Ratio

    Beta Ratio

    Other Parameters

    Standard Deviation

    Fund Managers

    Mr. Harshil Suvarnkar

    Harshil Suvarnkar is a fund manager...
    Read More

    Riskometer

    Risk meter image 1
    Risk meter image 2

    (An open-ended retirement solution oriented scheme having a lock-in of 5 years or till retirement age (whichever is earlier)

    This product is suitable for investors who are seeking

    • Capital appreciation & income over long term to achieve Retirement goals

    • Investments in debt & money market instruments as well as equity and equity related securities

    *Investors should consult their financial advisers if in doubt whether the product is suitable for them

    Portfolio & Sector Holdings

    Retail

    % of Net Assets

    Sector Holdings

    Fund Summary

    - Retirement is inevitable – but retirement can be a phase of leisure to look forward to

    - Without wise financial planning however, it can become a phase of worrying about finances for sustenance

    - As you approach retirement though or even once you are retired and no longer have the regular income that you enjoyed in your younger years, your investing risk appetite too undergoes a change

    - From looking for growth and willingness to take on risk you start to look out for capital preservation and reasonable income generation

    - How should you then invest your accumulated retirement corpus for your balance retired years?

    - Aditya Birla Sun Life Retirement Fund – The 50s Plus Debt Plan is an ideal retirement fund suited for this phase of your retirement investment journey. It is a pure debt fund that invests in a variety of debt and money market instruments with the objective to offer you reasonable and regular returns with low levels of risk.

    - Investors can opt for a dividend pay-out route or the SWP option to get regular income from the fund

    Fund Discipline

    • - The Scheme invests 100% of its net assets in debt and money market instruments>
    • - These include securities issued by corporates and/or state and central government
    • - The fund manager aims to identify securities, which offer superior levels of yield at lower levels of risk
    • - With the aim of controlling risks, rigorous in-depth credit evaluation of the securities proposed to be invested in will be carried out
    • - In addition, the macro-economic conditions, including the political, economic environment and factors affecting liquidity and interest rates are studied

    Value Added Products

    Salient features of CATP:

    Capital Appreciation Transfer Plan (CATP) is a modified version of STP. It allows investors to periodically transfer the capital appreciation earned by investment/s in other open-ended schemes of Aditya Birla, into this fund

    CATP is offered at monthly or quarterly intervals

    Salient features of SIP:

    Systematic Investment Plan (SIP) investing means automatically investing a pre-determined sum of money in this fund, at periodic and pre-determined time intervals.

    Gives investors the benefit of rupee cost averaging

    SIP facility is augmented by several add ons such as Step-up SIPs, Pause SIP, Multi Scheme SIPs etc.

    Being a short-term scheme, it offers monthly and weekly SIPs

    Salient features of STP:

    Systematic Transfer Plan (STP) allows investors to periodically transfer pre-determined amounts from any open-ended scheme of Aditya Birla Sun Life Mutual Fund into Aditya Birla Sun Life Retirement Fund

    STP facility can be daily, weekly, monthly or quarterly

    Salient features of SWP:

    Systematic Withdrawal Plan (SWP) allows investors to periodically withdraw fixed sums of money from the fund. This can take the form of withdrawal of fixed, pre-determined amounts or capital appreciation amount.

    Its primary objective is to meet the regular income needs of investors

    Tax Applicability

    Investment held for less than 36 months

    Short Term Capital Gain Tax would be applicable. Any gains/profits would be added to income of the investor taxed at applicable slab rates (plus applicable surcharge and cess).

    Investment held for more than 36 months

    Long Term Capital Gain Tax would be applicable. Gains/profits would be taxed at 20% (plus applicable surcharge and cess) after indexation benefit.

    Any income received under this option would be considered as income for the investors and hence would be taxed at applicable tax slab rates.

    Forms & Downloads

    Portfolio

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    KIM

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    SID

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    Investors also viewed

    ABSL

    Medium Term Plan

    REG-G
    • Saving
    • Debt - Medium Duration

    8.68 %

    Annualized Returns

    Since Inception
    1Y
    3Y
    5Y

    AUM:

    NAV:

    Exit Load Duration:

    1 Y
    img

    In respect of each purchase / switch-in of Units, upto 15% of the units may be redeemed / switched out without any exit load from the date of allotment.
    Any redemption in excess of the above limit shall be subject to the following exit load:
    - For redemption / switch-out of units on or before 1 year from the date of allotment: 2.00% of applicable NAV.
    - For redemption / switch-out of units after 1 year but on or before 2 years from the date of allotment: 1.00% of applicable NAV.
    - For redemption / switch-out of units after 2 years: Nil
    The Load Structure is subject to change from time to time and shall be implemented prospectively and will be calculated on First in First Out (FIFO) basis. For further details on Load Structure, please refer Part D of this Scheme Information Document.

    Start SIP
    Lumpsum

    ABSL

    Short Term Fund

    REG-G
    • Saving
    • Debt - Short Duration

    7.25 %

    Annualized Returns

    Since Inception
    1Y
    3Y
    5Y

    AUM:

    NAV:

    Exit Load Duration:

    NIL
    Start SIP
    Lumpsum

    ABSL

    Low Duration Fund

    REG-G
    • Saving
    • Debt - Low Duration

    7.16 %

    Annualized Returns

    popper 5
    Lac + Investor and Counting
    Since Inception
    1Y
    3Y
    5Y

    AUM:

    NAV:

    Exit Load Duration:

    NIL
    Start SIP
    Lumpsum

    ABSL

    Liquid Fund

    REG-G
    • Saving
    • Debt - Index Fund

    6.98 %

    Annualized Returns

    popper 4
    Lac + Investor and Counting
    Since Inception
    1Y
    3Y
    5Y

    AUM:

    NAV:

    Exit Load Duration:

    7 D
    img

    Investor Exit upon subscription (Exit load as % of redemption) - Day 1 - 0.0070%,
    Day 2 - 0.0065%,
    Day 3 - 0.0060%,
    Day 4 - 0.0055%,
    Day 5 - 0.0050%,
    Day 6 - 0.0045%,
    Day 7 Onwards - 0.0000%

    Start SIP
    Lumpsum

    Don’t know where to start? Start here!

    Frequently Asked Questions

    There are two ways in which you can invest in this fund.

    o Via Direct Plan - involves purchasing units of the fund directly from Aditya Birla Sun Life Mutual Fund
    o Via Regular Plan – involves investing through a distributor or broker of your choice

    Both these plans have a common portfolio but separate NAVs. This is because they both apply different expense ratios.

    Investments made in the direct plan of this fund can be easily redeemed online. This can be done either through the mobile app of Aditya Birla Sun Life Mutual fund or from its desktop-based webpage.
    Redemption can be made basis a specified amount or basis a specified number of units you wish to redeem.

    Yes, you can invest in Aditya Birla Sun Life Retirement Fund – the 50s Plus Debt Plan via both SIP and lump-sum route. Typically, though, considering this fund is ideally positioned for your retirement years and for your accumulated retirement corpus, lump sum investment or investment via STP from another plan may be more suitable.

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