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2022 இல் முதலீடு செய்வதற்கான 5 சிறந்த தீர்வு சார்ந்த திட்டங்கள்
இந்திய பாதுகாப்பு மற்றும் பரிவர்த்தனை வாரியம் (செபி) கீழ் 'தீர்வு சார்ந்த திட்டங்கள்' என்ற புதிய வகைப்பாட்டை அறிமுகப்படுத்தியுள்ளதுபரஸ்பர நிதி. இந்த நிதிகள் நீண்டகால இலக்கு திட்டமிடலுக்கு முக்கியமானவை, குறிப்பாக-ஓய்வூதிய திட்டமிடல் மற்றும் ஒரு குழந்தையின் கல்வி. எனவே, இதேபோன்ற இலக்குடன் நீங்கள் எதையாவது பார்க்கிறீர்கள் என்றால்முதலீடு, நீங்கள் சரியான இடத்தில் இருக்கிறீர்கள். முதலீடு செய்வதற்கான சில சிறந்த தீர்வு சார்ந்த திட்டங்களுடன் இந்த நிதிகளை விரிவாகப் பார்க்கலாம்.
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தீர்வு சார்ந்த திட்டங்கள் என்றால் என்ன?
நீண்ட கால செல்வத்தை உருவாக்க விரும்பும் முதலீட்டாளர்களுக்கு தீர்வு சார்ந்த திட்டங்கள் உதவியாக இருக்கும், அதில் முக்கியமாக ஓய்வூதிய திட்டமிடல் மற்றும் குழந்தையின் எதிர்கால கல்வி ஆகியவை அடங்கும்.மியூச்சுவல் ஃபண்டுகளில் முதலீடு. முன்னதாக, இந்தத் திட்டங்கள் ஈக்விட்டி அல்லது சமச்சீர் திட்டங்களின் ஒரு பகுதியாக இருந்தன, ஆனால் செபியின் புதிய புழக்கத்தின்படி, இந்த நிதிகள் தீர்வு சார்ந்த திட்டங்களின் கீழ் தனித்தனியாக வகைப்படுத்தப்பட்டுள்ளன.
மேலும், இந்தத் திட்டங்களுக்கு மூன்று ஆண்டுகளுக்கு லாக்-இன் இருக்கும், ஆனால் இப்போது இந்த ஃபண்டுகளுக்கு ஐந்து வருடங்கள் கட்டாயமாக லாக்-இன் செய்ய வேண்டும். இந்த முதலீட்டு இலக்குகளை அடைவதற்காக முதலீட்டாளர்களை நீண்ட காலத்திற்கு முதலீடு செய்ய இது ஒரு சிறந்த வழியாகும். இது முதலீடுகளில் ஒழுக்கத்தை பேணுகிறது.
முதல் 5 சிறந்த செயல்திறன் தீர்வு சார்ந்த திட்டங்கள் FY 22 - 23
Fund NAV Net Assets (Cr) 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2023 (%) Tata Retirement Savings Fund - Progressive Growth ₹66.1699
↑ 1.19 ₹2,182 4.4 15.5 34.7 14.2 16.4 29 Tata Retirement Savings Fund-Moderate Growth ₹64.1128
↑ 0.99 ₹2,233 4.2 14.4 30.1 13.3 15.4 25.3 SBI Magnum Children's Benefit Plan Growth ₹107.035
↑ 0.32 ₹122 4.8 12.4 21.6 12.7 13.4 16.9 Tata Retirement Savings Fund - Conservative Growth ₹30.8499
↑ 0.16 ₹177 2.1 6.8 14.2 7.2 8.3 12.1 ICICI Prudential Child Care Plan (Gift) Growth ₹313.38
↑ 4.25 ₹1,394 3.4 8.6 35.9 16.8 17.3 29.2 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 6 Nov 24
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. Tata Retirement Savings Fund - Progressive is a Solutions - Retirement Fund fund was launched on 1 Nov 11. It is a fund with Moderately High risk and has given a Below is the key information for Tata Retirement Savings Fund - Progressive Returns up to 1 year are on 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. Tata Retirement Savings Fund-Moderate is a Solutions - Retirement Fund fund was launched on 1 Nov 11. It is a fund with Moderately High risk and has given a Below is the key information for Tata Retirement Savings Fund-Moderate Returns up to 1 year are on To provide attractive returns to the Magnum holders / Unit holders by means
of capital appreciation through an actively managed portfolio of debt, equity
and money market instruments. Income generated through the receipt of coupon payments, the amortization of the discount on the debt instruments, receipt of dividends or purchase and sale of securities in the underlying portfolio, will be reinvested. SBI Magnum Children's Benefit Plan is a Solutions - Childrens Fund fund was launched on 21 Feb 02. It is a fund with Moderately High risk and has given a Below is the key information for SBI Magnum Children's Benefit Plan Returns up to 1 year are on 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. Tata Retirement Savings Fund - Conservative is a Solutions - Retirement Fund fund was launched on 1 Nov 11. It is a fund with Moderately High risk and has given a Below is the key information for Tata Retirement Savings Fund - Conservative Returns up to 1 year are on The primary investment objective of the Study Plan is to seek generation of current income by creating a portfolio that is invested in debt, money market instruments and equity and equity related securities. ICICI Prudential Child Care Plan (Gift) is a Solutions - Childrens Fund fund was launched on 31 Aug 01. It is a fund with Moderately High risk and has given a Below is the key information for ICICI Prudential Child Care Plan (Gift) Returns up to 1 year are on 1. Tata Retirement Savings Fund - Progressive
CAGR/Annualized return of 15.6% since its launch. Ranked 6 in Retirement Fund category. Return for 2023 was 29% , 2022 was -3.9% and 2021 was 23.3% . Tata Retirement Savings Fund - Progressive
Growth Launch Date 1 Nov 11 NAV (06 Nov 24) ₹66.1699 ↑ 1.19 (1.83 %) Net Assets (Cr) ₹2,182 on 30 Sep 24 Category Solutions - Retirement Fund AMC Tata Asset Management Limited Rating ☆☆☆☆☆ Risk Moderately High Expense Ratio 0 Sharpe Ratio 2.6 Information Ratio -0.53 Alpha Ratio 1.94 Min Investment 5,000 Min SIP Investment 150 Exit Load 0-60 Years (1%),60 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Oct 19 ₹10,000 31 Oct 20 ₹10,107 31 Oct 21 ₹14,207 31 Oct 22 ₹13,842 31 Oct 23 ₹15,502 31 Oct 24 ₹21,122 Returns for Tata Retirement Savings Fund - Progressive
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 6 Nov 24 Duration Returns 1 Month -1.1% 3 Month 4.4% 6 Month 15.5% 1 Year 34.7% 3 Year 14.2% 5 Year 16.4% 10 Year 15 Year Since launch 15.6% Historical performance (Yearly) on absolute basis
Year Returns 2023 29% 2022 -3.9% 2021 23.3% 2020 14.4% 2019 11.5% 2018 -6.1% 2017 49.1% 2016 3.1% 2015 7.8% 2014 47.4% Fund Manager information for Tata Retirement Savings Fund - Progressive
Name Since Tenure Murthy Nagarajan 1 Apr 17 7.51 Yr. Sonam Udasi 1 Apr 16 8.51 Yr. Data below for Tata Retirement Savings Fund - Progressive as on 30 Sep 24
Asset Allocation
Asset Class Value Cash 6.38% Equity 93.62% Top Securities Holdings / Portfolio
Name Holding Value Quantity HDFC Bank Ltd (Financial Services)
Equity, Since 30 Nov 11 | HDFCBANK6% ₹131 Cr 754,000 ITC Ltd (Consumer Defensive)
Equity, Since 30 Apr 18 | ITC4% ₹90 Cr 1,728,000 Zomato Ltd (Consumer Cyclical)
Equity, Since 31 Mar 24 | 5433203% ₹74 Cr 2,718,000
↑ 198,000 Reliance Industries Ltd (Energy)
Equity, Since 30 Apr 18 | RELIANCE3% ₹64 Cr 218,000
↓ -103,000 Solar Industries India Ltd (Basic Materials)
Equity, Since 31 Oct 22 | SOLARINDS3% ₹62 Cr 53,755 Tata Consultancy Services Ltd (Technology)
Equity, Since 31 Aug 20 | TCS3% ₹61 Cr 144,000
↑ 21,411 BSE Ltd (Financial Services)
Equity, Since 31 May 24 | BSE2% ₹54 Cr 146,000 Radico Khaitan Ltd (Consumer Defensive)
Equity, Since 30 Nov 17 | RADICO2% ₹51 Cr 249,600
↓ -5,000 Mahanagar Gas Ltd (Utilities)
Equity, Since 29 Feb 24 | MGL2% ₹51 Cr 261,000 DOMS Industries Ltd (Industrials)
Equity, Since 31 Dec 23 | DOMS2% ₹45 Cr 165,996 2. Tata Retirement Savings Fund-Moderate
CAGR/Annualized return of 15.3% since its launch. Ranked 2 in Retirement Fund category. Return for 2023 was 25.3% , 2022 was -1.9% and 2021 was 20.5% . Tata Retirement Savings Fund-Moderate
Growth Launch Date 1 Nov 11 NAV (06 Nov 24) ₹64.1128 ↑ 0.99 (1.56 %) Net Assets (Cr) ₹2,233 on 30 Sep 24 Category Solutions - Retirement Fund AMC Tata Asset Management Limited Rating ☆☆☆☆☆ Risk Moderately High Expense Ratio 0 Sharpe Ratio 2.41 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 150 Exit Load 0-60 Years (1%),60 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Oct 19 ₹10,000 31 Oct 20 ₹10,305 31 Oct 21 ₹13,924 31 Oct 22 ₹13,824 31 Oct 23 ₹15,403 31 Oct 24 ₹20,230 Returns for Tata Retirement Savings Fund-Moderate
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 6 Nov 24 Duration Returns 1 Month -0.3% 3 Month 4.2% 6 Month 14.4% 1 Year 30.1% 3 Year 13.3% 5 Year 15.4% 10 Year 15 Year Since launch 15.3% Historical performance (Yearly) on absolute basis
Year Returns 2023 25.3% 2022 -1.9% 2021 20.5% 2020 15.1% 2019 8.6% 2018 -3.6% 2017 38.8% 2016 6.7% 2015 7.7% 2014 55.1% Fund Manager information for Tata Retirement Savings Fund-Moderate
Name Since Tenure Murthy Nagarajan 1 Apr 17 7.51 Yr. Sonam Udasi 1 Apr 16 8.51 Yr. Data below for Tata Retirement Savings Fund-Moderate as on 30 Sep 24
Asset Allocation
Asset Class Value Cash 12.88% Equity 78.98% Debt 8.14% Top Securities Holdings / Portfolio
Name Holding Value Quantity HDFC Bank Ltd (Financial Services)
Equity, Since 30 Nov 11 | HDFCBANK5% ₹119 Cr 687,500 ITC Ltd (Consumer Defensive)
Equity, Since 30 Apr 18 | ITC4% ₹82 Cr 1,576,000 Zomato Ltd (Consumer Cyclical)
Equity, Since 31 Mar 24 | 5433203% ₹65 Cr 2,367,000
↑ 117,000 Reliance Industries Ltd (Energy)
Equity, Since 30 Apr 18 | RELIANCE2% ₹55 Cr 187,000
↓ -110,000 Solar Industries India Ltd (Basic Materials)
Equity, Since 31 Oct 22 | SOLARINDS2% ₹55 Cr 47,400 Radico Khaitan Ltd (Consumer Defensive)
Equity, Since 30 Nov 17 | RADICO2% ₹55 Cr 266,500
↓ -8,000 Tata Consultancy Services Ltd (Technology)
Equity, Since 31 Aug 20 | TCS2% ₹54 Cr 126,000
↑ 14,436 BSE Ltd (Financial Services)
Equity, Since 31 May 24 | BSE2% ₹49 Cr 132,000 Mahanagar Gas Ltd (Utilities)
Equity, Since 29 Feb 24 | MGL2% ₹45 Cr 234,000 Kirloskar Pneumatic Co Ltd (Industrials)
Equity, Since 31 Aug 22 | 5052832% ₹40 Cr 305,000 3. SBI Magnum Children's Benefit Plan
CAGR/Annualized return of since its launch. Ranked 1 in Childrens Fund category. Return for 2023 was 16.9% , 2022 was 1.9% and 2021 was 18.3% . SBI Magnum Children's Benefit Plan
Growth Launch Date 21 Feb 02 NAV (06 Nov 24) ₹107.035 ↑ 0.32 (0.30 %) Net Assets (Cr) ₹122 on 15 Oct 24 Category Solutions - Childrens Fund AMC SBI Funds Management Private Limited Rating ☆☆☆☆☆ Risk Moderately High Expense Ratio 1.2 Sharpe Ratio 3.19 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load 0-1 Years (3%),1-2 Years (2%),2-3 Years (1%),3 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Oct 19 ₹10,000 31 Oct 20 ₹10,323 31 Oct 21 ₹12,967 31 Oct 22 ₹13,541 31 Oct 23 ₹15,273 31 Oct 24 ₹18,555
Purchase not allowed Returns for SBI Magnum Children's Benefit Plan
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 6 Nov 24 Duration Returns 1 Month 0.9% 3 Month 4.8% 6 Month 12.4% 1 Year 21.6% 3 Year 12.7% 5 Year 13.4% 10 Year 15 Year Since launch Historical performance (Yearly) on absolute basis
Year Returns 2023 16.9% 2022 1.9% 2021 18.3% 2020 14.8% 2019 2.6% 2018 0.1% 2017 24.3% 2016 16.1% 2015 7% 2014 31.1% Fund Manager information for SBI Magnum Children's Benefit Plan
Name Since Tenure R. Srinivasan 13 Jan 21 3.72 Yr. Rajeev Radhakrishnan 9 Jun 08 16.32 Yr. Pradeep Kesavan 31 Dec 23 0.75 Yr. Data below for SBI Magnum Children's Benefit Plan as on 15 Oct 24
Asset Allocation
Asset Class Value Cash 6.96% Equity 21.51% Debt 71.52% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.38% State Government Of Uttar Pradesh 2036
Sovereign Bonds | -13% ₹15 Cr 1,500,000
↑ 1,500,000 07.18 Goi 14082033
Sovereign Bonds | -8% ₹10 Cr 1,000,000 7.10%Goi 08/04/2034
Sovereign Bonds | -8% ₹10 Cr 1,000,000 7.34% Govt Stock 2064
Sovereign Bonds | -4% ₹5 Cr 500,000 7.30 Goi 19062053
Sovereign Bonds | -4% ₹5 Cr 500,000 Rajasthan (Government of ) 7.49%
- | -4% ₹5 Cr 500,000 Sundaram Finance Limited
Debentures | -4% ₹5 Cr 500 Nexus Select Trust
Debentures | -4% ₹5 Cr 500 Mahindra & Mahindra Financial Services Ltd
Debentures | -4% ₹5 Cr 500 Gs CG 16/12/2026 - (Strips) Tb
Sovereign Bonds | -3% ₹3 Cr 375,000 4. Tata Retirement Savings Fund - Conservative
CAGR/Annualized return of 9% since its launch. Ranked 7 in Retirement Fund category. Return for 2023 was 12.1% , 2022 was 0.1% and 2021 was 7.6% . Tata Retirement Savings Fund - Conservative
Growth Launch Date 1 Nov 11 NAV (06 Nov 24) ₹30.8499 ↑ 0.16 (0.54 %) Net Assets (Cr) ₹177 on 15 Oct 24 Category Solutions - Retirement Fund AMC Tata Asset Management Limited Rating ☆☆☆☆ Risk Moderately High Expense Ratio 0 Sharpe Ratio 2.21 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load 0-60 Years (1%),60 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Oct 19 ₹10,000 31 Oct 20 ₹10,716 31 Oct 21 ₹12,041 31 Oct 22 ₹12,059 31 Oct 23 ₹12,903 31 Oct 24 ₹14,802 Returns for Tata Retirement Savings Fund - Conservative
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 6 Nov 24 Duration Returns 1 Month -0.1% 3 Month 2.1% 6 Month 6.8% 1 Year 14.2% 3 Year 7.2% 5 Year 8.3% 10 Year 15 Year Since launch 9% Historical performance (Yearly) on absolute basis
Year Returns 2023 12.1% 2022 0.1% 2021 7.6% 2020 11.8% 2019 7.6% 2018 0.8% 2017 15.1% 2016 10.6% 2015 6.4% 2014 20.6% Fund Manager information for Tata Retirement Savings Fund - Conservative
Name Since Tenure Murthy Nagarajan 1 Apr 17 7.51 Yr. Sonam Udasi 1 Apr 16 8.51 Yr. Data below for Tata Retirement Savings Fund - Conservative as on 15 Oct 24
Asset Allocation
Asset Class Value Cash 28.03% Equity 29.17% Debt 42.8% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.17% Govt Stock 2030
Sovereign Bonds | -9% ₹15 Cr 1,500,000 7.38% Govt Stock 2027
Sovereign Bonds | -9% ₹15 Cr 1,500,000 7.36% Govt Stock 2052
Sovereign Bonds | -6% ₹11 Cr 1,000,000 7.27% Govt Stock 2026
Sovereign Bonds | -6% ₹10 Cr 1,000,000 Power Finance Corporation Limited
Debentures | -6% ₹10 Cr 100 Jamnagar Utilities And Power Pvt Limited
Debentures | -5% ₹10 Cr 100 8.24% Govt Stock 2027
Sovereign Bonds | -3% ₹5 Cr 500,000 8.2% Govt Stock 2025
Sovereign Bonds | -3% ₹5 Cr 500,000 Bharti Telecom Limited
Debentures | -3% ₹5 Cr 50 HDFC Bank Ltd (Financial Services)
Equity, Since 30 Nov 11 | HDFCBANK2% ₹4 Cr 20,750 5. ICICI Prudential Child Care Plan (Gift)
CAGR/Annualized return of 16% since its launch. Ranked 24 in Childrens Fund category. Return for 2023 was 29.2% , 2022 was 2.6% and 2021 was 24.8% . ICICI Prudential Child Care Plan (Gift)
Growth Launch Date 31 Aug 01 NAV (06 Nov 24) ₹313.38 ↑ 4.25 (1.37 %) Net Assets (Cr) ₹1,394 on 30 Sep 24 Category Solutions - Childrens Fund AMC ICICI Prudential Asset Management Company Limited Rating ☆☆ Risk Moderately High Expense Ratio 2.39 Sharpe Ratio 2.71 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 100 Exit Load 0-1 Years (3%),1-2 Years (2%),2-3 Years (1%),3 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Oct 19 ₹10,000 31 Oct 20 ₹9,878 31 Oct 21 ₹13,913 31 Oct 22 ₹14,420 31 Oct 23 ₹16,092 31 Oct 24 ₹22,066 Returns for ICICI Prudential Child Care Plan (Gift)
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 6 Nov 24 Duration Returns 1 Month -1.7% 3 Month 3.4% 6 Month 8.6% 1 Year 35.9% 3 Year 16.8% 5 Year 17.3% 10 Year 15 Year Since launch 16% Historical performance (Yearly) on absolute basis
Year Returns 2023 29.2% 2022 2.6% 2021 24.8% 2020 8.8% 2019 8.5% 2018 -1.9% 2017 25% 2016 6.9% 2015 0.2% 2014 54.3% Fund Manager information for ICICI Prudential Child Care Plan (Gift)
Name Since Tenure Lalit Kumar 1 Jun 22 2.34 Yr. Sharmila D’mello 30 Jun 22 2.26 Yr. Darshil Dedhia 22 Jan 24 0.69 Yr. Rohit Lakhotia 12 Jun 23 1.31 Yr. Data below for ICICI Prudential Child Care Plan (Gift) as on 30 Sep 24
Asset Allocation
Asset Class Value Cash 6.71% Equity 81.29% Debt 11.99% Top Securities Holdings / Portfolio
Name Holding Value Quantity Bharti Airtel Ltd (Communication Services)
Equity, Since 31 May 18 | BHARTIARTL8% ₹113 Cr 659,000 UltraTech Cement Ltd (Basic Materials)
Equity, Since 30 Jun 22 | 5325386% ₹79 Cr 66,700 8% Govt Stock 2034
Sovereign Bonds | -4% ₹59 Cr 5,866,260 JSW Steel Ltd (Basic Materials)
Equity, Since 31 Aug 22 | JSWSTEEL3% ₹42 Cr 409,287 ICICI Bank Ltd (Financial Services)
Equity, Since 31 Aug 19 | ICICIBANK3% ₹40 Cr 315,147 Ambuja Cements Ltd (Basic Materials)
Equity, Since 31 Aug 22 | 5004253% ₹39 Cr 613,000 Jindal Stainless Ltd (Basic Materials)
Equity, Since 31 Oct 22 | JSL3% ₹38 Cr 482,802 07.18 Goi 14082033
Sovereign Bonds | -3% ₹36 Cr 3,500,000 InterGlobe Aviation Ltd (Industrials)
Equity, Since 29 Feb 24 | INDIGO3% ₹35 Cr 73,605
↑ 25,000 Tata Motors Ltd (Consumer Cyclical)
Equity, Since 31 Aug 24 | TATAMOTORS2% ₹33 Cr 336,998
ஆன்லைனில் தீர்வு சார்ந்த திட்டங்களில் முதலீடு செய்வது எப்படி?
Fincash.com இல் வாழ்நாள் முழுவதும் இலவச முதலீட்டுக் கணக்கைத் திறக்கவும்.
உங்கள் பதிவு மற்றும் KYC செயல்முறையை முடிக்கவும்
ஆவணங்களைப் பதிவேற்றவும் (PAN, ஆதார் போன்றவை).மேலும், நீங்கள் முதலீடு செய்ய தயாராக உள்ளீர்கள்!
இங்கு வழங்கப்பட்ட தகவல்கள் துல்லியமானவை என்பதை உறுதிப்படுத்த அனைத்து முயற்சிகளும் மேற்கொள்ளப்பட்டுள்ளன. இருப்பினும், தரவின் சரியான தன்மை குறித்து எந்த உத்தரவாதமும் அளிக்கப்படவில்லை. முதலீடு செய்வதற்கு முன் திட்டத் தகவல் ஆவணத்துடன் சரிபார்க்கவும்.
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