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2022 میں سرمایہ کاری کے لیے 5 بہترین حل پر مبنی اسکیمیں
سیکورٹی اینڈ ایکسچینج بورڈ آف انڈیا (SEBI) کے تحت ایک نئی درجہ بندی 'حل اورینٹڈ اسکیم' متعارف کرائی ہے۔باہمی چندہ. یہ فنڈز طویل مدتی اہداف کی منصوبہ بندی کے لیے اہم ہیں، خاص طور پر-ریٹائرمنٹ پلاننگ اور بچے کی تعلیم لہذا، اگر آپ کسی چیز کو اسی طرح کے مقصد کے ساتھ دیکھ رہے ہیں۔سرمایہ کاری، پھر آپ صحیح جگہ پر ہیں۔ آئیے سرمایہ کاری کے لیے کچھ بہترین حل پر مبنی اسکیموں کے ساتھ ان فنڈز کو تفصیلی انداز میں دیکھتے ہیں۔
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حل پر مبنی اسکیمیں کیا ہیں؟
حل پر مبنی اسکیمیں ان سرمایہ کاروں کے لیے مددگار ہیں جو طویل مدتی دولت بنانا چاہتے ہیں جس میں بنیادی طور پر ریٹائرمنٹ کی منصوبہ بندی اور بچوں کی مستقبل کی تعلیم شامل ہے۔میوچل فنڈز میں سرمایہ کاری. پہلے، یہ منصوبے ایکویٹی یا متوازن اسکیموں کا حصہ تھے، لیکن SEBI کے نئے سرکولیشن کے مطابق، ان فنڈز کو الگ الگ حل پر مبنی اسکیموں کے تحت درجہ بندی کیا گیا ہے۔
نیز، ان اسکیموں میں تین سال کے لیے لاک ان ہوتا تھا، لیکن اب ان فنڈز میں پانچ سال کا لازمی لاک ان ہے۔ سرمایہ کاری کے ان اہداف کو حاصل کرنے کے لیے سرمایہ کاروں کو طویل مدت تک سرمایہ کاری میں رکھنے کا یہ مثالی طور پر ایک اچھا طریقہ ہے۔ یہ سرمایہ کاری میں نظم و ضبط برقرار رکھتا ہے۔
ٹاپ 5 بہترین پرفارمنگ سلوشن اورینٹڈ سکیمیں 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 ₹68.2639
↓ -0.04 ₹2,100 8.9 27.4 37.8 15.2 19.8 29 Tata Retirement Savings Fund-Moderate Growth ₹65.5692
↓ -0.04 ₹2,183 8 23.7 31.7 14.2 18.3 25.3 SBI Magnum Children's Benefit Plan Growth ₹106.051
↓ -0.08 ₹117 7.3 14.1 22.1 13 14 16.9 Tata Retirement Savings Fund - Conservative Growth ₹31.0363
↑ 0.01 ₹175 4.1 9.9 14.5 7.3 9.3 12.1 ICICI Prudential Child Care Plan (Gift) Growth ₹320.65
↓ -1.03 ₹1,364 3.6 18.5 36.9 18.3 19 29.2 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 18 Sep 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 16.1% 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 (18 Sep 24) ₹68.2639 ↓ -0.04 (-0.05 %) Net Assets (Cr) ₹2,100 on 31 Jul 24 Category Solutions - Retirement Fund AMC Tata Asset Management Limited Rating ☆☆☆☆☆ Risk Moderately High Expense Ratio 2.01 Sharpe Ratio 2.51 Information Ratio -0.75 Alpha Ratio 4.1 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 Aug 19 ₹10,000 31 Aug 20 ₹10,801 31 Aug 21 ₹15,449 31 Aug 22 ₹15,292 31 Aug 23 ₹17,343 31 Aug 24 ₹23,971 Returns for Tata Retirement Savings Fund - Progressive
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 18 Sep 24 Duration Returns 1 Month 4.1% 3 Month 8.9% 6 Month 27.4% 1 Year 37.8% 3 Year 15.2% 5 Year 19.8% 10 Year 15 Year Since launch 16.1% 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 7.42 Yr. Sonam Udasi 1 Apr 16 8.42 Yr. Data below for Tata Retirement Savings Fund - Progressive as on 31 Jul 24
Asset Allocation
Asset Class Value Cash 2.75% Equity 97.25% Top Securities Holdings / Portfolio
Name Holding Value Quantity HDFC Bank Ltd (Financial Services)
Equity, Since 30 Nov 11 | 5001806% ₹123 Cr 754,000 Reliance Industries Ltd (Energy)
Equity, Since 30 Apr 18 | 5003255% ₹97 Cr 321,000 ITC Ltd (Consumer Defensive)
Equity, Since 30 Apr 18 | 5008754% ₹87 Cr 1,728,000 Zomato Ltd (Consumer Cyclical)
Equity, Since 31 Mar 24 | 5433203% ₹63 Cr 2,520,000 Solar Industries India Ltd (Basic Materials)
Equity, Since 31 Oct 22 | 5327253% ₹58 Cr 53,755 Oil India Ltd (Energy)
Equity, Since 29 Feb 24 | 5331063% ₹57 Cr 764,663
↓ -60,750 Tata Consultancy Services Ltd (Technology)
Equity, Since 31 Aug 20 | TCS3% ₹56 Cr 122,589 Radico Khaitan Ltd (Consumer Defensive)
Equity, Since 30 Nov 17 | RADICO2% ₹49 Cr 254,600 Mahanagar Gas Ltd (Utilities)
Equity, Since 29 Feb 24 | 5399572% ₹47 Cr 261,000 Jupiter Wagons Ltd (Industrials)
Equity, Since 31 May 23 | JWL2% ₹43 Cr 753,472 2. Tata Retirement Savings Fund-Moderate
CAGR/Annualized return of 15.7% 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 (18 Sep 24) ₹65.5692 ↓ -0.04 (-0.06 %) Net Assets (Cr) ₹2,183 on 31 Jul 24 Category Solutions - Retirement Fund AMC Tata Asset Management Limited Rating ☆☆☆☆☆ Risk Moderately High Expense Ratio 1.91 Sharpe Ratio 2.34 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 Aug 19 ₹10,000 31 Aug 20 ₹10,909 31 Aug 21 ₹14,949 31 Aug 22 ₹15,086 31 Aug 23 ₹17,062 31 Aug 24 ₹22,526 Returns for Tata Retirement Savings Fund-Moderate
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 18 Sep 24 Duration Returns 1 Month 3.6% 3 Month 8% 6 Month 23.7% 1 Year 31.7% 3 Year 14.2% 5 Year 18.3% 10 Year 15 Year Since launch 15.7% 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 7.42 Yr. Sonam Udasi 1 Apr 16 8.42 Yr. Data below for Tata Retirement Savings Fund-Moderate as on 31 Jul 24
Asset Allocation
Asset Class Value Cash 8.51% Equity 83.28% Debt 8.21% Top Securities Holdings / Portfolio
Name Holding Value Quantity HDFC Bank Ltd (Financial Services)
Equity, Since 30 Nov 11 | 5001805% ₹113 Cr 687,500 Reliance Industries Ltd (Energy)
Equity, Since 30 Apr 18 | 5003254% ₹90 Cr 297,000 ITC Ltd (Consumer Defensive)
Equity, Since 30 Apr 18 | 5008754% ₹79 Cr 1,576,000 Zomato Ltd (Consumer Cyclical)
Equity, Since 31 Mar 24 | 5433203% ₹56 Cr 2,250,000 Radico Khaitan Ltd (Consumer Defensive)
Equity, Since 30 Nov 17 | RADICO2% ₹53 Cr 274,500 Solar Industries India Ltd (Basic Materials)
Equity, Since 31 Oct 22 | 5327252% ₹51 Cr 47,400 Tata Consultancy Services Ltd (Technology)
Equity, Since 31 Aug 20 | TCS2% ₹51 Cr 111,564 Oil India Ltd (Energy)
Equity, Since 29 Feb 24 | 5331062% ₹50 Cr 680,351
↓ -55,750 Mahanagar Gas Ltd (Utilities)
Equity, Since 29 Feb 24 | 5399572% ₹42 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 (17 Sep 24) ₹106.051 ↓ -0.08 (-0.08 %) Net Assets (Cr) ₹117 on 31 Jul 24 Category Solutions - Childrens Fund AMC SBI Funds Management Private Limited Rating ☆☆☆☆☆ Risk Moderately High Expense Ratio 1.2 Sharpe Ratio 3 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 Aug 19 ₹10,000 31 Aug 20 ₹10,666 31 Aug 21 ₹13,247 31 Aug 22 ₹14,028 31 Aug 23 ₹15,781 31 Aug 24 ₹19,139
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 18 Sep 24 Duration Returns 1 Month 1.9% 3 Month 7.3% 6 Month 14.1% 1 Year 22.1% 3 Year 13% 5 Year 14% 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 3.63 Yr. Rajeev Radhakrishnan 9 Jun 08 16.24 Yr. Pradeep Kesavan 31 Dec 23 0.67 Yr. Data below for SBI Magnum Children's Benefit Plan as on 31 Jul 24
Asset Allocation
Asset Class Value Cash 4.69% Equity 23.53% Debt 71.79% Top Securities Holdings / Portfolio
Name Holding Value Quantity Uttar Pradesh (Government of) 7.38%
- | -13% ₹15 Cr 1,500,000 7.18% Govt Stock 2033
Sovereign Bonds | -8% ₹10 Cr 1,000,000 7.1% Govt Stock 2034
Sovereign Bonds | -8% ₹10 Cr 1,000,000 7.34% Govt Stock 2064
Sovereign Bonds | -4% ₹5 Cr 500,000
↑ 500,000 7.3% Govt Stock 2053
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 9.2% 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 (17 Sep 24) ₹31.0363 ↑ 0.01 (0.04 %) Net Assets (Cr) ₹175 on 31 Jul 24 Category Solutions - Retirement Fund AMC Tata Asset Management Limited Rating ☆☆☆☆ Risk Moderately High Expense Ratio 1.99 Sharpe Ratio 1.99 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 Aug 19 ₹10,000 31 Aug 20 ₹10,865 31 Aug 21 ₹12,421 31 Aug 22 ₹12,510 31 Aug 23 ₹13,433 31 Aug 24 ₹15,407 Returns for Tata Retirement Savings Fund - Conservative
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 18 Sep 24 Duration Returns 1 Month 1.5% 3 Month 4.1% 6 Month 9.9% 1 Year 14.5% 3 Year 7.3% 5 Year 9.3% 10 Year 15 Year Since launch 9.2% 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 7.42 Yr. Sonam Udasi 1 Apr 16 8.42 Yr. Data below for Tata Retirement Savings Fund - Conservative as on 31 Jul 24
Asset Allocation
Asset Class Value Cash 27.11% Equity 29.65% Debt 43.24% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.38% Govt Stock 2027
Sovereign Bonds | -9% ₹15 Cr 1,500,000 7.17% Govt Stock 2030
Sovereign Bonds | -9% ₹15 Cr 1,500,000 7.36% Govt Stock 2052
Sovereign Bonds | -6% ₹10 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 & Power Private Limited
Debentures | -6% ₹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 08.44 MH Sdl 2024
Sovereign Bonds | -2% ₹4 Cr 350,000 5. ICICI Prudential Child Care Plan (Gift)
CAGR/Annualized return of 16.2% 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 (18 Sep 24) ₹320.65 ↓ -1.03 (-0.32 %) Net Assets (Cr) ₹1,364 on 31 Jul 24 Category Solutions - Childrens Fund AMC ICICI Prudential Asset Management Company Limited Rating ☆☆ Risk Moderately High Expense Ratio 2.39 Sharpe Ratio 2.69 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 Aug 19 ₹10,000 31 Aug 20 ₹10,116 31 Aug 21 ₹13,998 31 Aug 22 ₹14,699 31 Aug 23 ₹16,840 31 Aug 24 ₹23,591 Returns for ICICI Prudential Child Care Plan (Gift)
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 18 Sep 24 Duration Returns 1 Month 3% 3 Month 3.6% 6 Month 18.5% 1 Year 36.9% 3 Year 18.3% 5 Year 19% 10 Year 15 Year Since launch 16.2% 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 2.25 Yr. Sharmila D’mello 30 Jun 22 2.17 Yr. Darshil Dedhia 22 Jan 24 0.61 Yr. Rohit Lakhotia 12 Jun 23 1.22 Yr. Data below for ICICI Prudential Child Care Plan (Gift) as on 31 Jul 24
Asset Allocation
Asset Class Value Cash 3.33% Equity 84.43% Debt 12.24% Top Securities Holdings / Portfolio
Name Holding Value Quantity Bharti Airtel Ltd (Communication Services)
Equity, Since 31 May 18 | 5324548% ₹105 Cr 659,000 UltraTech Cement Ltd (Basic Materials)
Equity, Since 30 Jun 22 | ULTRACEMCO6% ₹75 Cr 66,700 8% Govt Stock 2034
Sovereign Bonds | -4% ₹59 Cr 5,866,260 ICICI Bank Ltd (Financial Services)
Equity, Since 31 Aug 19 | 5321743% ₹39 Cr 315,147 JSW Steel Ltd (Basic Materials)
Equity, Since 31 Aug 22 | JSWSTEEL3% ₹39 Cr 409,287 Jindal Stainless Ltd (Basic Materials)
Equity, Since 31 Oct 22 | JSL3% ₹38 Cr 482,802 Ambuja Cements Ltd (Basic Materials)
Equity, Since 31 Aug 22 | 5004253% ₹38 Cr 613,000 Tata Motors Ltd (Consumer Cyclical)
Equity, Since 31 Aug 24 | TATAMOTORS3% ₹37 Cr 336,998
↑ 336,998 DLF Ltd (Real Estate)
Equity, Since 30 Jun 23 | 5328683% ₹36 Cr 424,355 7.18% Govt Stock 2033
Sovereign Bonds | -3% ₹36 Cr 3,500,000
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