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Aditya Birla Sun Life AMC Limited

Aditya Birla Sun Life Retirement Fund - The 30s Plan - Aditya Birla Sun Life Mutual Fund

Aditya Birla Sun Life Retirement Fund - The 30s Plan

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

Class: Solution
Category: Retirement
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Investment Objective

The plan aims to invest primarily in a well-diversified portfolio of equity and equity related securities.

The 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.

This product is suitable for investors who are seeking

  • Long term capital growth
  • Investments in equity & equity related securities

Product Videos: Know Your Fund

Fund Details

  • Fund Type - Open-Ended
  • Class - Solution
  • Category - Retirement
  • Min Investment - Rs. 1000 & in multiples of Re.1 thereafter
  • Fund Manager - Mr. Ajay Garg & Mr. Harshil Suvarnkar
  • Latest NAV - 12.904 (as on 30-Jul-2021)
  • Inception Date - Feb 18, 2019
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Fund Performance

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Fund Management

  • Mr. Ajay Garg

    Total Experience : 27 years

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    Ajay Garg is Senior Portfolio Manager at Aditya Birla Sun Life AMC Limited (ABSLAMC). Ajay has over twenty five years of experience in financial services and an extensive understanding of Indian equity markets.

    Prior to joining ABSLAMC in 2003, Ajay was with American Express Bank and certain brokerage firms.

    An alumni of Hartmann College Class of 1987, Ajay is an Electronics Engineer from Bangalore University, and an MBA Finance from Mumbai University.

  • Mr. Harshil Suvarnkar

    Total Experience : 11 years

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    Harshil Suvarnkar is a fund manager with Aditya Birla Sun Life AMC Limited. He has an overall experience of 11 years in the financial services industry.

    Prior to joining ABSLAMC he was associated with Indiabulls Housing Finance Limited for 10 years as Head - Markets, Treasury heading treasury investments, Asset Liability Management (ALM) and capital market borrowings.

    He has a Master’s degree in Management Studies from Jamnalal Bajaj Institute of Management Studies (JBIMS), University of Mumbai and Post-Graduate Diploma in Securities Law from Government Law College.
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Your Investment Summary

  • Investment AmountRs 5000
  • Initial units per month 29.5
  • Current valueRs 50,000
  • Current NAV value 260
  • Current Units 30
  • XIRR

    Internal rate of return or annualized yield for a schedule of cash flows occurring at irregular intervals.

         5.10%
  • Benchmark XIRR

    Internal Rate of return or annualized yield for a schedule of cash flows occurring at irregular intervals for respective benchmark index.

         8%

Fund Summary

Entry Load
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NIL
NIL

Highlights

  • Asset allocation based on the age of the investor
  • Aggressive investment strategy with an aim to earn reasonable returns
  • Trigger facility to change allocation as age bracket changes

Retirement is that phase of your life when you could reap the benefits of many years of hard work to relax and enjoy your life. To maintain a comfortable lifestyle and be financially independent when you are no longer earning, it is important to start planning & investing for retirement as early as possible.

This is where Aditya Birla Sun Life Retirement Fund – The 30s Plan comes into picture. This scheme aims to invest primarily in a well-diversified portfolio of equity and equity related securities and is suitable for younger investors to help them create a substantial corpus for retirement. When investors are in their 30s, retirement is almost three decades away. Investors can, therefore, invest in equities to build a substantial retirement corpus. The 30s Plan takes the long-term investment horizon into perspective and has an aggressive investment strategy. It aims to invest 80% - 100% of the portfolio in equity & equity related securities and 0% - 20% in debt and money market investments.

This scheme also provides a trigger facility. Under this facility, the plan changes from one plan to another when the investor enters another age bracket. So, when the investor crosses 40 years and enters in the 40s age, the plan changes to Aditya Birla Sun Life Retirement Fund’s 40s plan which has another investment strategy suitable for investors in their 40s. Thus, the trigger facility ensures that the retirement corpus is built as per the age & risk appetite of the investor and the time to retirement. The Fund Benchmark is S&P BSE 200 TRI.

Key Features

  • Multi Plan SIP Facility: SIP can be done in more than one plan in this fund to avail the benefit of multiple asset allocations.
  • Lump sum Investments: Apart from SIP saving, lump sum money can also be invested from time to time in any plan of your choice in this fund. For example you can invest your performance bonus or any other lump sum money received in this scheme at any point of time.
  • Trigger Facility: This fund would facilitate 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 50s, as you turn 50.
  • Step Up SIP: Disciplined savings started early in life have to be stepped up as income grows to build a larger corpus for the retirement goal. As income grows over years, savings can be stepped up using this facility with an aim to achieve your retirement goal faster.

Aditya Birla Sun Life Retirement Fund - The 30s Plan

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

  • Long term capital growth
  • Investments in equity & equity related securities

 

*We recommend investors to consult their financial advisers in case of doubt about whether the product is suitable for them.

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Disclaimer

*Second Income/Regular Income/Monthly Income is not assured and is subject to availability of distributable surplus. Dividend distribution in the form of regular income to individual investors is subject to dividend distribution tax (DDT) of 13.5188% which is deducted by the fund house. For individual nature of tax implications, investors are requested to consult their tax advisors before investing.

**The portfolio of the scheme is subject to changes within the provisions of the Scheme Information Document. Please refer to the Scheme Information Document for asset allocation, investment strategy, and risk factors.

+Investors should note that declaration of dividends is at the discretion of Trustees and subject to availability of distributable surplus and there is no guarantee or assurance on the frequency or quantum of dividends. The NAV of the scheme pursuant to a payout of the dividend would fall to the extent of the payout and statutory levy (if applicable). For individual nature of tax implications, investors are requested to consult their tax advisor before investing.

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