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PlaystoreAditya Birla Sun Life AMC Limited
Aditya Birla Sun Life AMC Limited
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 - 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:
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If you are looking for a suitable investment avenue to invest your accumulated retirement corpus for the balance of your retirement years.
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If you are looking to earn better returns than conventional fixed income instruments.
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If you are looking for a debt investment route to meet your long-term retirement needs of regular income along with capital preservation.
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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
Modified Duration
-
Yield to Maturity
-
Portfolio Turnover:
-
Average Maturity
-
Macaulay Duration
-
Net Equity Exposure
-
Total Expense Ratio (TER)
Sharp Ratio
Beta Ratio
Other Parameters
Standard Deviation
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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Capital appreciation & income over long term to achieve Retirement goals
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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
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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.
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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