Principal Retirement Savings Fund Conservative Plan

Principal Retirement Savings Fund Conservative Plan

NAV

(as on 17-01-2020)

12.8254

3 YRS CAGR

(as on 17-01-2020)

4.97%

CAGR since inception

(since 14-12-2015)

6.26%

AUM

(as on 31-Dec-2019)

1.23 Cr

Investment type

Investment Amount

Tenure

Growth

This Fund Benchmark Additional Benchmark
* Returns shown are for the growth option and are calculated uptil 17-01-2020
* Benchmark : 30% Nifty 50 - TRI + 70% CRISIL Liquid Fund Index
* Additional Benchmark : CRISIL 10 Year Gilt Index

* Different plans shall have a different expense structure. Past performance may or may not be sustained in future. Returns (in %) less than one year are absolute. Returns (in %) for one year or more are calculated on Compounded Annualized Basis (CAGR). Performance of the dividend option for the investors would be net of dividend distribution tax, as applicable.

This Fund
Benchmark
Additional Benchmark
* Returns shown are for the growth option and are calculated uptil 17-01-2020
* Benchmark : 30% Nifty 50 - TRI + 70% CRISIL Liquid Fund Index
* Additional Benchmark : CRISIL 10 Year Gilt Index

* Different plans shall have a different expense structure. Past performance may or may not be sustained in future. Returns (in %) less than one year are absolute. Returns (in %) for one year or more are calculated on Compounded Annualized Basis (CAGR). Performance of the dividend option for the investors would be net of dividend distribution tax, as applicable.

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Investment type

Investment Amount

Tenure

Growth

Annualized Return Absolute Return
* Returns shown are for the growth option and are calculated uptil 17-01-2020
* Benchmark : 30% Nifty 50 - TRI + 70% CRISIL Liquid Fund Index
* Additional Benchmark : CRISIL 10 Year Gilt Index
As on 31-Dec-2019
As on 31-Dec-2019
% of NAV
Sector
16.57%
Banks
12.26%
Consumer Non Durables
11.55%
Pharmaceuticals
10.83%
Ferrous Metals
5.02%
Construction Project
3.07%
Software
2.97%
Finance
2.49%
Petroleum Products
1.03%
Cement
0.75%
Telecom - Services
0.73%
Consumer Durables
0.72%
Auto
0.54%
Retailing
0.48%
Textile Products
0.39%
Industrial Products
0.35%
Services
0.33%
Non - Ferrous Metals
0.23%
Power
0.20%
Hotels, Resorts And Other Recreational Activities
0.20%
Minerals/Mining
0.16%
Auto Ancillaries
0.13%
Media & Entertainment
As on 31-Dec-2019
% to NET Assets
Name
14.84%
Cash & Cash Equivalents
13.35%
TREPS 01-Jan-2020
8.01%
Axis Bank Ltd.
5.85%
Dr. Reddy's Laboratories Ltd.
5.77%
Tata Steel Ltd.
5.68%
ITC Ltd.
5.06%
JSW Steel Ltd.
5.02%
Larsen & Toubro Ltd.
4.70%
Hindustan Unilever Ltd.
4.69%
Sun Pharmaceutical Industries Ltd.
2.57%
HDFC Bank Ltd.
2.36%
ICICI Bank Ltd.
2.15%
Reliance Industries Ltd.
1.39%
State Bank of India
1.26%
Infosys Ltd.
1.16%
Tata Consultancy Services Ltd.
1.13%
Kotak Mahindra Bank Ltd.
0.85%
Housing Development Finance Corporation Ltd.
0.81%
364 DAY T-BILL 09-Jan-2020
0.75%
Bharti Airtel Ltd.
0.74%
GlaxoSmithKline Consumer Healthcare Ltd.
0.72%
Maruti Suzuki India Ltd.
0.67%
Max Financial Services Ltd.
0.58%
IndusInd Bank Ltd.
0.56%
Dabur India Ltd.
0.53%
Ultratech Cement Ltd.
0.53%
Abbott India Ltd.
0.53%
City Union Bank Ltd.
0.48%
Aditya Birla Fashion and Retail Ltd.
0.48%
Equitas Holdings Ltd.
0.48%
Divi's Laboratories Ltd.
0.48%
SRF Ltd.
0.46%
HCL Technologies Ltd.
0.44%
Britannia Industries Ltd.
0.39%
Astral Poly Technik Ltd.
0.38%
Bajaj Finance Ltd.
0.36%
Orient Electric Ltd.
0.35%
Voltas Ltd.
0.35%
Indian Railway Catering & Tourism Corporation Ltd.
0.34%
Hindustan Petroleum Corporation Ltd.
0.33%
Vedanta Ltd.
0.30%
ICICI Prudential Life Insurance Company Ltd.
0.29%
SBI Life Insurance Company Ltd.
0.26%
Birla Corporation Ltd.
0.24%
JK Cement Ltd.
0.23%
NTPC Ltd.
0.20%
The Indian Hotels Company Ltd.
0.20%
Coal India Ltd.
0.19%
Tech Mahindra Ltd.
0.16%
Balkrishna Industries Ltd.
0.14%
Marico Ltd.
0.13%
Zee Entertainment Enterprises Ltd.
0.06%
Avenue Supermarts Ltd.
0.02%
Whirlpool of India Ltd.

Benchmark

30% Nifty 50 - TRI + 70% CRISIL Liquid Fund Index

Additional Benchmark

CRISIL 10 Year Gilt Index

Horizon

Long term

Age

4 Yrs 37 Days

Performance

Suitable for

1. Income generation and capital appreciation over the medium to long term.
2. Investment in equity and equity related instruments, debt and money market instruments and arbitrage opportunities.

Investment Objective

The investment objective of the scheme is to provide capital appreciation and income generation to enable investors save over the long term towards their retirement savings goals, by investing in a mix of securities comprising of euqity, equity related instruments and fixed income securities. However, there can be no assurance or guarantee that the investment objective of the Scheme will be achieved.

minimum investment

New Investor: Rs 5000
Existing Investor: Rs 1000

options

Both the Sub-Plans offer growth option.

OTHER DETAILS

Exit Load:

i. Nil in case of RWP/Redemption/Switch out from Principal Retirement Savings Fund after completion of 5 years lock-in period, or after attainment of retirement age of 60 years whichever is earlier.
ii. Nil in case of Auto Transfer facility and Switch option across the three plans namely Progressive Plan, Moderate Plan and Conservative Plan during lock-in period.
(Note: Age will be computed with reference to years completed on the date of transaction.)

SIP/STP/RWP -Available

Minimum No. & Amt. of
SIP - Rs 2000*
STP - Rs 1000*
RWP - Rs 500*
(STP and RWP - Available after the completion of lock-in period)
*6 installments each

Cut Off Time

3.00 p.m. In respect of purchase/switch-in of units for an amount equal to or more than Rs. 2 lakh, the closing NAV (Net Asset Value) of the day shall be applicable subject to realisation of the funds up to 3.00 p.m. and receipt of application (duly time stamped).
Note: Auto transfer facility and switch option is available across the three plans namely Progressive Plan, Moderate Plan and Conservative Plan during the lock-in period.

fund manager

Ravi Gopalakrishnan Principal Hybrid Equity Fund Manager

Ravi Gopalakrishnan

Mr. Ravi Gopalakrishnan has over 25 years of experience in research an...
funds managed