Principal Retirement Savings Fund Conservative Plan

Principal Retirement Savings Fund Conservative Plan

NAV

(as on 01-07-2020)

12.5129

3 YRS CAGR

(as on 01-07-2020)

2.49%

CAGR since inception

(since 14-12-2015)

5.05%

AUM

(as on 31-May-2020)

1.17 Cr

Investment type

Investment Amount

Tenure

Growth

This Fund Benchmark Additional Benchmark
* Returns shown are for the growth option and are calculated uptil 01-07-2020
* 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 01-07-2020
* 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 01-07-2020
* Benchmark : 30% Nifty 50 - TRI + 70% CRISIL Liquid Fund Index
* Additional Benchmark : CRISIL 10 Year Gilt Index
As on 31-May-2020
As on 31-May-2020
% of NAV
Sector
15.92%
Pharmaceuticals
11.41%
Consumer Non Durables
11.06%
Banks
4.41%
Construction
3.91%
Ferrous Metals
3.27%
Minerals/Mining
2.92%
Software
2.89%
Petroleum Products
2.87%
Finance
2.67%
Media & Entertainment
1.65%
Consumer Durables
1.23%
Telecom - Services
1.18%
Cement
1.17%
Auto Ancillaries
1.07%
Industrial Products
1.00%
Auto
0.80%
Retailing
0.74%
Construction Project
0.58%
Chemicals
0.54%
Fertilisers
0.41%
Pesticides
0.40%
Transportation
0.33%
Services
0.31%
Engineering Services
As on 31-May-2020
% to NET Assets
Name
19.03%
Cash & Cash Equivalents
8.72%
Dr. Reddy's Laboratories Ltd.
7.37%
TREPS 01-Jun-2020
6.30%
Hindustan Unilever Ltd.
5.24%
Sun Pharmaceutical Industries Ltd.
4.53%
ITC Ltd.
4.40%
Axis Bank Ltd.
4.26%
DLF Ltd.
3.63%
JSW Steel Ltd.
3.27%
Coal India Ltd.
2.67%
Zee Entertainment Enterprises Ltd.
2.52%
Reliance Industries Ltd.
2.45%
HDFC Bank Ltd.
1.55%
Infosys Ltd.
1.53%
ICICI Bank Ltd.
1.37%
Tata Consultancy Services Ltd.
1.35%
IndusInd Bank Ltd.
1.23%
Bharti Airtel Ltd.
0.86%
91 DAY T-BILL 11-Jun-2020
0.84%
Divi's Laboratories Ltd.
0.82%
Housing Development Finance Corporation Ltd.
0.78%
Kotak Mahindra Bank Ltd.
0.74%
Larsen & Toubro Ltd.
0.72%
Maruti Suzuki India Ltd.
0.72%
Abbott India Ltd.
0.60%
Max Financial Services Ltd.
0.54%
Coromandel International Ltd.
0.51%
MRF Ltd.
0.50%
Ultratech Cement Ltd.
0.50%
SBI Life Insurance Company Ltd.
0.49%
Avenue Supermarts Ltd.
0.49%
Relaxo Footwears Ltd.
0.42%
Dixon Technologies (India) Ltd.
0.41%
Bayer Cropscience Ltd.
0.41%
Astral Poly Technik Ltd.
0.41%
Orient Electric Ltd.
0.40%
TCI Express Ltd.
0.39%
Balkrishna Industries Ltd.
0.39%
State Bank of India
0.37%
Bajaj Finance Ltd.
0.36%
Timken India Ltd.
0.36%
Shree Cement Ltd.
0.35%
Hindustan Petroleum Corporation Ltd.
0.35%
Atul Ltd.
0.34%
Can Fin Homes Ltd.
0.33%
Whirlpool of India Ltd.
0.33%
Indian Railway Catering & Tourism Corporation Ltd.
0.32%
JK Cement Ltd.
0.31%
Aditya Birla Fashion and Retail Ltd.
0.31%
Rites Ltd.
0.30%
SRF Ltd.
0.28%
Mahindra & Mahindra Ltd.
0.28%
Jindal Steel & Power Ltd.
0.27%
Motherson Sumi Systems Ltd.
0.25%
United Spirits Ltd.
0.25%
Alkem Laboratories Ltd.
0.24%
Muthoot Finance Ltd.
0.24%
Jubilant Foodworks Ltd.
0.23%
Aarti Industries Ltd.
0.16%
City Union Bank Ltd.
0.15%
Natco Pharma Ltd.
0.15%
Kajaria Ceramics Ltd.
0.09%
Britannia Industries Ltd.

Benchmark

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

Additional Benchmark

CRISIL 10 Year Gilt Index

Horizon

Long term

Age

4 Yrs 201 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

1.00 p.m (Applicable from 7th April till further notice). 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 1.00 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