Mutual Funds Research

HDFC Retirement Savings Fund Equity Plan: Managed by skilled professionals

(A) About the HDFC Retirement Savings Fund Equity Plan

HDFC Retirement Savings Fund Equity is a Regular Plan mandated to invest at least 65 per cent of its assets in equity stocks at all times. Note that it carries a lock-in period of 5 years or till the investor attains retirement age, whichever is earlier.

(B) Basic Details of HDFC Retirement Savings Fund Equity Plan

Fund House HDFC Retirement Equity Funds
Category Retirement Savings Fund Equity Plan
Launch & Start Date 25-Feb-2016
Type Open-ended
AUM ₹4,378 Cr (As on 31-Dec-2023)
Available at NAV of ₹42.5530 (as on 29-Jan-2024)

(C) Classification Portfolio of the HDFC Retirement Savings Fund Equity Plan

(i) Portfolio Mix by Market Cap Size

HDFC Retirement Savings Fund Equity Plan_Market Cap Size_PA Wealth.

(ii) Top 10 Holdings of the HDFC Retirement Savings Fund Equity Plan

HDFC Retirement Savings Fund Equity Plan_Top 10 Holdings_PA Wealth.

(iii) Top 10 Sectors Exposures

HDFC Retirement Savings Fund Equity Plan_Top 10 Sector Exposures_PA Wealth.

(D) Fund Managers & Tenure of managing the Scheme

HDFC Retirement Savings Fund Equity Plan_Fund Manager_PA Wealth.

(E) HDFC Retirement Savings Fund Equity Plan – Investment Details

HDFC Retirement Equity Funds
Application Amount for fresh Subscription (Lumpsum) (₹) 100
Min Additional Investment (SIP) (₹) 100
Exit load 0%
Lock In5 Years

(F) Returns Generated By The Fund

HDFC Retirement Savings Fund Equity Plan_Returns Over Time_PA Wealth.

(G) Risk Factors

HDFC Retirement Savings Fund Equity Plan_Top Drawdowns_PA Wealth.

This chart shows the ups and downs of a fund’s value from 2022 to now. When the fund’s value drops from its peak, it’s called a drawdown. Consequently, The shaded area shows how long the fund stayed in a drawdown.

This chart helps investors understand how the fund has reacted to big events in the economy.

(H) Investment Objective

The investment objective of the HDFC Retirement Equity Fund Scheme is to gain long-term capital regard for your retirement by investing in a diversified portfolio of equity & equity-related securities. However, there can be no assurance that the investment objective of the Scheme will be achieved.

(I) Taxability of earnings

Capital Gains Taxation

If the mutual fund units are sold after 1 year from the date of investment, gains up to Rs 1 lakh in a financial year are exempt from tax. Furthermore, gains over Rs 1 lakh are taxed at the rate of 10%.

However, if the mutual fund units are sold within 1 year from the date of investment, the entire amount of gain is taxed at the rate of 15%. Importantly, no tax is to be paid as long as you continue to hold the units.

Dividend Taxation

  • Addition, Dividends are added to the income of the investors and taxed according to their respective tax slabs. Further, if an investor's dividend income exceeds Rs. 5,000 in a financial year, the fund house also deducts a TDS of 10% before distributing the dividend.

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References:  valueresearchonline.com, Industry’s Publications, News Publications, Mutual Fund Company.

Disclaimer: The report only represents personal opinions and views of the author. No part of the report should be considered as recommendation for buying/selling any stock. Thus, the report & references mentioned are only for the information of the readers about the industry stated.

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