2022 میں سرمایہ کاری کے لیے 5 بہترین حل پر مبنی اسکیمیں | fincash.com

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حل پر مبنی اسکیمیں کیا ہیں؟
ٹاپ 5 بہترین پرفارمنگ سلوشن اورینٹڈ سکیمیں FY 22 - 23
حل پر مبنی اسکیموں میں آن لائن سرمایہ کاری کیسے کی جائے؟
Top 5 Funds

2022 میں سرمایہ کاری کے لیے 5 بہترین حل پر مبنی اسکیمیں

Updated on December 24, 2024 , 4185 views

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	₹66.2075 ↓ -0.01	₹2,108	-4.4	5.2	23.3	15.5	16.3	29
Tata Retirement Savings Fund-Moderate Growth	₹64.2265 ↑ 0.01	₹2,177	-3	5.4	20.8	14.4	15.3	25.3
SBI Magnum Children's Benefit Plan Growth	₹107.215 ↑ 0.10	₹124	0.8	7.7	17.1	11.9	13.7	16.9
Tata Retirement Savings Fund - Conservative Growth	₹30.849 ↓ -0.01	₹176	-1.2	3	10.4	7.4	8.2	12.1
ICICI Prudential Child Care Plan (Gift) Growth	₹309.07 ↑ 1.18	₹1,320	-6.2	0.7	20.3	16.8	16.4	29.2
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 26 Dec 24

1. Tata Retirement Savings Fund - Progressive

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 CAGR/Annualized return of 15.5% since its launch. Ranked 6 in Retirement Fund category. Return for 2023 was 29% , 2022 was -3.9% and 2021 was 23.3% .

Below is the key information for Tata Retirement Savings Fund - Progressive

Tata Retirement Savings Fund - Progressive Growth
Launch Date	1 Nov 11
NAV (26 Dec 24)	₹66.2075 ↓ -0.01 (-0.02 %)
Net Assets (Cr)	₹2,108 on 30 Nov 24
Category	Solutions - Retirement Fund
AMC	Tata Asset Management Limited
Rating	☆☆☆☆☆
Risk	Moderately High
Expense Ratio	0
Sharpe Ratio	1.7
Information Ratio	-0.34
Alpha Ratio	3.82
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
30 Nov 19	₹10,000
30 Nov 20	₹10,772
30 Nov 21	₹13,907
30 Nov 22	₹13,961
30 Nov 23	₹16,645
30 Nov 24	₹21,238

Tata Retirement Savings Fund - Progressive SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹458,689.
Net Profit of ₹158,689 Invest Now

Returns for Tata Retirement Savings Fund - Progressive

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 26 Dec 24

Duration	Returns
1 Month	1.8%
3 Month	-4.4%
6 Month	5.2%
1 Year	23.3%
3 Year	15.5%
5 Year	16.3%
10 Year
15 Year
Since launch	15.5%

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	7.67 Yr.
Sonam Udasi	1 Apr 16	8.67 Yr.

Data below for Tata Retirement Savings Fund - Progressive as on 30 Nov 24

Asset Allocation

Asset Class	Value
Cash	8.54%
Equity	91.46%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 30 Nov 11 \| HDFCBANK	6%	₹131 Cr	754,000
ITC Ltd (Consumer Defensive) Equity, Since 30 Apr 18 \| ITC	4%	₹84 Cr	1,728,000
Zomato Ltd (Consumer Cyclical) Equity, Since 31 Mar 24 \| 543320	3%	₹66 Cr	2,718,000
BSE Ltd (Financial Services) Equity, Since 31 May 24 \| BSE	3%	₹65 Cr	146,000
Radico Khaitan Ltd (Consumer Defensive) Equity, Since 30 Nov 17 \| RADICO	3%	₹59 Cr	249,600
Reliance Industries Ltd (Energy) Equity, Since 30 Apr 18 \| RELIANCE	3%	₹58 Cr	436,000
Tata Consultancy Services Ltd (Technology) Equity, Since 31 Aug 20 \| TCS	3%	₹57 Cr	144,000
Solar Industries India Ltd (Basic Materials) Equity, Since 31 Oct 22 \| SOLARINDS	3%	₹55 Cr	53,755
Mahanagar Gas Ltd (Utilities) Equity, Since 29 Feb 24 \| MGL	2%	₹51 Cr	351,000 ↑ 90,000
Karur Vysya Bank Ltd (Financial Services) Equity, Since 31 Dec 22 \| 590003	2%	₹47 Cr	2,088,000 ↑ 280,649

2. Tata Retirement Savings Fund-Moderate

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 CAGR/Annualized return of 15.2% since its launch. Ranked 2 in Retirement Fund category. Return for 2023 was 25.3% , 2022 was -1.9% and 2021 was 20.5% .

Below is the key information for Tata Retirement Savings Fund-Moderate

Tata Retirement Savings Fund-Moderate Growth
Launch Date	1 Nov 11
NAV (26 Dec 24)	₹64.2265 ↑ 0.01 (0.01 %)
Net Assets (Cr)	₹2,177 on 30 Nov 24
Category	Solutions - Retirement Fund
AMC	Tata Asset Management Limited
Rating	☆☆☆☆☆
Risk	Moderately High
Expense Ratio	0
Sharpe Ratio	1.76
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
30 Nov 19	₹10,000
30 Nov 20	₹10,907
30 Nov 21	₹13,676
30 Nov 22	₹13,947
30 Nov 23	₹16,321
30 Nov 24	₹20,376

Tata Retirement Savings Fund-Moderate SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹447,579.
Net Profit of ₹147,579 Invest Now

Returns for Tata Retirement Savings Fund-Moderate

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 26 Dec 24

Duration	Returns
1 Month	1.3%
3 Month	-3%
6 Month	5.4%
1 Year	20.8%
3 Year	14.4%
5 Year	15.3%
10 Year
15 Year
Since launch	15.2%

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	7.67 Yr.
Sonam Udasi	1 Apr 16	8.67 Yr.

Data below for Tata Retirement Savings Fund-Moderate as on 30 Nov 24

Asset Allocation

Asset Class	Value
Cash	14.96%
Equity	77.66%
Debt	7.38%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 30 Nov 11 \| HDFCBANK	6%	₹119 Cr	687,500
ITC Ltd (Consumer Defensive) Equity, Since 30 Apr 18 \| ITC	4%	₹77 Cr	1,576,000
Radico Khaitan Ltd (Consumer Defensive) Equity, Since 30 Nov 17 \| RADICO	3%	₹63 Cr	266,500
BSE Ltd (Financial Services) Equity, Since 31 May 24 \| BSE	3%	₹59 Cr	132,000
Zomato Ltd (Consumer Cyclical) Equity, Since 31 Mar 24 \| 543320	3%	₹57 Cr	2,367,000
Kirloskar Pneumatic Co Ltd (Industrials) Equity, Since 31 Aug 22 \| 505283	2%	₹51 Cr	305,000
Tata Consultancy Services Ltd (Technology) Equity, Since 31 Aug 20 \| TCS	2%	₹50 Cr	126,000
Reliance Industries Ltd (Energy) Equity, Since 30 Apr 18 \| RELIANCE	2%	₹50 Cr	374,000
Solar Industries India Ltd (Basic Materials) Equity, Since 31 Oct 22 \| SOLARINDS	2%	₹48 Cr	47,400
Mahanagar Gas Ltd (Utilities) Equity, Since 29 Feb 24 \| MGL	2%	₹45 Cr	315,000 ↑ 81,000

3. SBI Magnum Children's Benefit Plan

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 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% .

Below is the key information for SBI Magnum Children's Benefit Plan

SBI Magnum Children's Benefit Plan Growth
Launch Date	21 Feb 02
NAV (26 Dec 24)	₹107.215 ↑ 0.10 (0.09 %)
Net Assets (Cr)	₹124 on 15 Dec 24
Category	Solutions - Childrens Fund
AMC	SBI Funds Management Private Limited
Rating	☆☆☆☆☆
Risk	Moderately High
Expense Ratio	1.2
Sharpe Ratio	2.77
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
30 Nov 19	₹10,000
30 Nov 20	₹10,751
30 Nov 21	₹13,491
30 Nov 22	₹13,825
30 Nov 23	₹15,766
30 Nov 24	₹18,905

SBI Magnum Children's Benefit Plan SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹426,080.
Net Profit of ₹126,080 Invest Now

Purchase not allowed

Returns for SBI Magnum Children's Benefit Plan

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 26 Dec 24

Duration	Returns
1 Month	0.5%
3 Month	0.8%
6 Month	7.7%
1 Year	17.1%
3 Year	11.9%
5 Year	13.7%
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	3.88 Yr.
Rajeev Radhakrishnan	9 Jun 08	16.49 Yr.
Pradeep Kesavan	31 Dec 23	0.92 Yr.

Data below for SBI Magnum Children's Benefit Plan as on 15 Dec 24

Asset Allocation

Asset Class	Value
Cash	8.56%
Equity	20.76%
Debt	70.68%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.38% State Government Of Uttar Pradesh 2036 Sovereign Bonds \| -	12%	₹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
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

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 CAGR/Annualized return of 8.9% since its launch. Ranked 7 in Retirement Fund category. Return for 2023 was 12.1% , 2022 was 0.1% and 2021 was 7.6% .

Below is the key information for Tata Retirement Savings Fund - Conservative

Tata Retirement Savings Fund - Conservative Growth
Launch Date	1 Nov 11
NAV (26 Dec 24)	₹30.849 ↓ -0.01 (-0.03 %)
Net Assets (Cr)	₹176 on 15 Dec 24
Category	Solutions - Retirement Fund
AMC	Tata Asset Management Limited
Rating	☆☆☆☆
Risk	Moderately High
Expense Ratio	0
Sharpe Ratio	1.44
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
30 Nov 19	₹10,000
30 Nov 20	₹10,934
30 Nov 21	₹11,940
30 Nov 22	₹12,109
30 Nov 23	₹13,181
30 Nov 24	₹14,799

Tata Retirement Savings Fund - Conservative SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹376,357.
Net Profit of ₹76,357 Invest Now

Returns for Tata Retirement Savings Fund - Conservative

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 26 Dec 24

Duration	Returns
1 Month	0.4%
3 Month	-1.2%
6 Month	3%
1 Year	10.4%
3 Year	7.4%
5 Year	8.2%
10 Year
15 Year
Since launch	8.9%

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	7.67 Yr.
Sonam Udasi	1 Apr 16	8.67 Yr.

Data below for Tata Retirement Savings Fund - Conservative as on 15 Dec 24

Asset Allocation

Asset Class	Value
Cash	28.48%
Equity	27.92%
Debt	43.6%

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
HDFC Bank Ltd (Financial Services) Equity, Since 30 Nov 11 \| HDFCBANK	2%	₹4 Cr	20,750

5. ICICI Prudential Child Care Plan (Gift)

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 CAGR/Annualized return of 15.8% since its launch. Ranked 24 in Childrens Fund category. Return for 2023 was 29.2% , 2022 was 2.6% and 2021 was 24.8% .

Below is the key information for ICICI Prudential Child Care Plan (Gift)

ICICI Prudential Child Care Plan (Gift) Growth
Launch Date	31 Aug 01
NAV (26 Dec 24)	₹309.07 ↑ 1.18 (0.38 %)
Net Assets (Cr)	₹1,320 on 30 Nov 24
Category	Solutions - Childrens Fund
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆
Risk	Moderately High
Expense Ratio	2.39
Sharpe Ratio	1.61
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
30 Nov 19	₹10,000
30 Nov 20	₹10,249
30 Nov 21	₹13,413
30 Nov 22	₹14,362
30 Nov 23	₹16,936
30 Nov 24	₹21,494

ICICI Prudential Child Care Plan (Gift) SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹458,689.
Net Profit of ₹158,689 Invest Now

Returns for ICICI Prudential Child Care Plan (Gift)

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 26 Dec 24

Duration	Returns
1 Month	0.4%
3 Month	-6.2%
6 Month	0.7%
1 Year	20.3%
3 Year	16.8%
5 Year	16.4%
10 Year
15 Year
Since launch	15.8%

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	2.5 Yr.
Sharmila D’mello	30 Jun 22	2.42 Yr.
Darshil Dedhia	22 Jan 24	0.86 Yr.
Rohit Lakhotia	12 Jun 23	1.47 Yr.

Data below for ICICI Prudential Child Care Plan (Gift) as on 30 Nov 24

Asset Allocation

Asset Class	Value
Cash	4.27%
Equity	83.02%
Debt	12.71%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Bharti Airtel Ltd (Communication Services) Equity, Since 31 May 18 \| BHARTIARTL	7%	₹86 Cr	533,757 ↓ -125,243
UltraTech Cement Ltd (Basic Materials) Equity, Since 30 Jun 22 \| 532538	6%	₹74 Cr	66,700
InterGlobe Aviation Ltd (Industrials) Equity, Since 29 Feb 24 \| INDIGO	5%	₹60 Cr	147,633 ↑ 74,028
7.53% Govt Stock 2034 Sovereign Bonds \| -	5%	₹59 Cr	5,866,260
JSW Steel Ltd (Basic Materials) Equity, Since 31 Aug 22 \| JSWSTEEL	3%	₹39 Cr	409,287
7.18% Govt Stock 2033 Sovereign Bonds \| -	3%	₹36 Cr	3,500,000
Ambuja Cements Ltd (Basic Materials) Equity, Since 31 Aug 22 \| 500425	3%	₹36 Cr	613,000
Jindal Stainless Ltd (Basic Materials) Equity, Since 31 Oct 22 \| JSL	2%	₹33 Cr	482,802
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Nov 23 \| LT	2%	₹31 Cr	86,500
Tech Mahindra Ltd (Technology) Equity, Since 31 Jul 23 \| 532755	2%	₹31 Cr	190,552

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یہاں فراہم کردہ معلومات کے درست ہونے کو یقینی بنانے کے لیے تمام کوششیں کی گئی ہیں۔ تاہم، ڈیٹا کی درستگی کے حوالے سے کوئی ضمانت نہیں دی جاتی ہے۔ براہ کرم کوئی بھی سرمایہ کاری کرنے سے پہلے اسکیم کی معلومات کے دستاویز کے ساتھ تصدیق کریں۔