Principal Retirement Savings Fund Conservative Plan

Principal Retirement Savings Fund Conservative Plan

NAV

(as on 01-04-2020)

11.7773

3 YRS CAGR

(as on 01-04-2020)

1.29%

CAGR since inception

(since 14-12-2015)

3.88%

AUM

(as on 29-Feb-2020)

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 01-04-2020
* 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 01-04-2020
* 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.

Investment type

Investment Amount

Tenure

Growth

Annualized Return Absolute Return
* Returns shown are for the growth option and are calculated uptil 01-04-2020
* Benchmark : 30% Nifty 50 - TRI + 70% CRISIL Liquid Fund Index
* Additional Benchmark : CRISIL 10 Year Gilt Index
As on 29-Feb-2020
As on 29-Feb-2020
% of NAV
Sector
14.03%
Banks
11.22%
Consumer Non Durables
11.10%
Pharmaceuticals
5.73%
Construction
4.88%
Ferrous Metals
4.68%
Construction Project
3.16%
Finance
2.78%
Software
2.07%
Petroleum Products
1.52%
Consumer Durables
1.27%
Cement
0.94%
Telecom - Services
0.70%
Retailing
0.67%
Auto
0.66%
Industrial Products
0.40%
Fertilisers
0.40%
Services
0.33%
Auto Ancillaries
0.32%
Textile Products
0.28%
Transportation
0.26%
Non - Ferrous Metals
0.25%
Pesticides
0.22%
Power
As on 29-Feb-2020
% to NET Assets
Name
15.82%
TREPS 02-Mar-2020
15.50%
Cash & Cash Equivalents
7.44%
Axis Bank Ltd.
5.97%
Dr. Reddy's Laboratories Ltd.
5.43%
DLF Ltd.
5.32%
Hindustan Unilever Ltd.
4.68%
Larsen & Toubro Ltd.
4.42%
JSW Steel Ltd.
4.40%
ITC Ltd.
3.80%
Sun Pharmaceutical Industries Ltd.
2.39%
HDFC Bank Ltd.
2.13%
ICICI Bank Ltd.
1.79%
Reliance Industries Ltd.
1.26%
Infosys Ltd.
1.06%
Tata Consultancy Services Ltd.
0.94%
Bharti Airtel Ltd.
0.85%
GlaxoSmithKline Consumer Healthcare Ltd.
0.82%
Housing Development Finance Corporation Ltd.
0.81%
364 DAY T-BILL 20-Mar-2020
0.79%
Kotak Mahindra Bank Ltd.
0.77%
Max Financial Services Ltd.
0.76%
State Bank of India
0.67%
Maruti Suzuki India Ltd.
0.65%
Dabur India Ltd.
0.58%
Divi's Laboratories Ltd.
0.53%
Aditya Birla Fashion and Retail Ltd.
0.52%
City Union Bank Ltd.
0.51%
Abbott India Ltd.
0.49%
Orient Electric Ltd.
0.46%
HCL Technologies Ltd.
0.44%
Bajaj Finance Ltd.
0.41%
Astral Poly Technik Ltd.
0.41%
Ultratech Cement Ltd.
0.40%
Coromandel International Ltd.
0.40%
Indian Railway Catering & Tourism Corporation Ltd.
0.39%
Voltas Ltd.
0.37%
Cholamandalam Investment & Finance Co. Ltd.
0.36%
Relaxo Footwears Ltd.
0.34%
Can Fin Homes Ltd.
0.32%
SRF Ltd.
0.31%
JK Cement Ltd.
0.30%
The Ramco Cements Ltd.
0.30%
Kajaria Ceramics Ltd.
0.28%
TCI Express Ltd.
0.28%
Whirlpool of India Ltd.
0.28%
SBI Life Insurance Company Ltd.
0.28%
Hindustan Petroleum Corporation Ltd.
0.27%
Jindal Steel & Power Ltd.
0.26%
Vedanta Ltd.
0.25%
Birla Corporation Ltd.
0.25%
Bayer Cropscience Ltd.
0.25%
Timken India Ltd.
0.24%
Alkem Laboratories Ltd.
0.24%
Balkrishna Industries Ltd.
0.22%
NTPC Ltd.
0.19%
Tata Steel BSL Ltd.
0.17%
Avenue Supermarts Ltd.
0.14%
ICICI Prudential Life Insurance Company Ltd.
0.09%
Motherson Sumi Systems Ltd.

Benchmark

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

Additional Benchmark

CRISIL 10 Year Gilt Index

Horizon

Long term

Age

4 Yrs 110 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