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PlaystoreAditya Birla Sun Life AMC Limited
Aditya Birla Sun Life AMC Limited
Aditya Birla Sun Life Retirement Fund - The 50s 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)
Fund Overview
Aditya Birla Sun Life Retirement Fund 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 a mix of equity, equity related instruments along with 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:
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If you are looking for an investment avenue for your retirement planning.
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If you aim to build a diversified retirement portfolio that aligns with your age profile, incorporating a mix of equity and debt investments.
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If you wish to start investing for your retirement with contributions as low as Rs. 1000 per month.
Fund Details
CAGR
Latest NAV
(as on )
AUM
()
Inception Date
()
Risk
Investment Horizon
Long term
Annualized Benchmark Returns
Min Investment
Entry load
NIL
Exit load
NIL
Total Expense Ratio (TER)
Sharp Ratio
Beta Ratio
Other Parameters
Standard Deviation
Modified Duration
-
Yield to Maturity
-
Portfolio Turnover:
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Average Maturity
-
Macaulay Duration
-
Net Equity Exposure
-
Fund Managers
Mr. Dhaval Shah
Mr. Dhaval Joshi
Mr. Harshil Suvarnkar
Riskometer
(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
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- Regular income with capital growth over medium to long term
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- Investments in debt and 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
Dividend History
Any income received under this option would be considered as income for the investors and hence would be taxed at applicable tax slab rates.
Investment Performance
IDCW Plan of this scheme has distributed income to its investors out of its earnings, from time to time. The details of the same is tabulated:| Declared on date | IDCW Yield (Regular Plan) | IDCW Per Unit | Cum IDCW NAV |
|---|
Fund Summary
- Retirement planning goes through phases – beginning from young and prime earning years ultimately to the later years of your career closing in on retirement.
- Your financial position, investing outlook and risk appetite changes over the years, calling for different investing strategies for each phase.
- How should you then plan and invest for retirement?
- You can plan for your retirement with Aditya Birla Sun Life Retirement Fund
- This scheme offers 4 different investment plans - The 30s Plan, The 40s Plan, The 50s Plan, The 50s Plus - Debt Plan - for varied age groups, giving higher equity exposure to younger risk-taking investors and increasing Debt investments for higher age plans
- It offers a trigger facility for seamless transition of risk profile and asset allocation. As one grows older and reaches new milestones of life, it calls for automatic changes in asset allocation (change of one plan to another). To illustrate, when you turn 40, the investment plan would automatically change from “The 30s Plan” to “The 40s Plan”. Similarly, the investment plan would change to “The 50s”, as you turn 50 and so on.
Fund discipline
• Aditya Birla Sun Life Retirement Fund - ‘The 30s Plan’: invests primarily in a well-diversified portfolio of equity and equity related securities.
• Aditya Birla Sun Life Retirement Fund - ‘The 40s Plan’: invests predominantly in equity and equity related instruments with marginal allocation to debt and money market instruments.
• Aditya Birla Sun Life Retirement Fund - ‘The 50s Plan’: invests predominantly in debt and money market instruments with marginal allocation to equity and equity related instruments.
• Aditya Birla Sun Life Retirement Fund – ‘The 50s Plus-Debt Plan’: invests in various debt securities and money market instruments issued by corporates and/or state and central government
Tax Applicability
Pursuant to amendment to the Finance Bill 2023, any capital gains earned on investments made in this scheme on or after 1 April 2023, will be considered as short-term capital gains and added to the investor’s income and taxed at the applicable income tax slab rates (plus any applicable surcharge and cess), regardless of the investment holding period.
Please note that investments made on or before March 31, 2023, and held for more than 36 months will be eligible for indexation benefit in taxation. Gains on such investments will be taxed at a rate of 20% (plus applicable surcharge and cess) after taking into account the 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
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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.
To redeem your investments in the direct plan of this scheme, you can use their mobile app or desktop webpage and select a specified amount or number of units to redeem. For investments made in the regular plan through Registrar and Transfer Agent (RTA) or Mutual Fund Distributor (MFD), you can submit a duly signed redemption form to the respective RTA/MFD or redeem online through their portal, if available.
Yes, you can invest in Aditya Birla Sun Life Retirement Fund via both SIP and lump-sum route. The decision on which mode to choose depends on factors such as your investment objective, risk tolerance, and investment timeframe.
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