Principal Retirement Savings Fund Moderate Plan

Principal Retirement Savings Fund Moderate Plan

NAV

(as on 24-01-2020)

13.3095

3 YRS CAGR

(as on 24-01-2020)

6.38%

CAGR since inception

(since 14-12-2015)

7.18%

AUM

(as on 31-Dec-2019)

0.65 Cr

Investment type

Investment Amount

Tenure

Growth

This Fund Benchmark Additional Benchmark
* Returns shown are for the growth option and are calculated uptil 24-01-2020
* Benchmark : CRISIL Hybrid 35+65 - Aggressive Index
* Additional Benchmark : Nifty 50 Index - TRI

* 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 24-01-2020
* Benchmark : CRISIL Hybrid 35+65 - Aggressive Index
* Additional Benchmark : Nifty 50 Index - TRI

* 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 24-01-2020
* Benchmark : CRISIL Hybrid 35+65 - Aggressive Index
* Additional Benchmark : Nifty 50 Index - TRI
As on 31-Dec-2019
As on 31-Dec-2019
% of NAV
Sector
16.43%
Banks
10.20%
Cement
6.17%
Transportation
5.61%
Finance
4.84%
Software
4.60%
Consumer Non Durables
4.42%
Paper
3.44%
Petroleum Products
2.03%
Pharmaceuticals
1.68%
Construction Project
1.20%
Telecom - Services
1.17%
Consumer Durables
1.14%
Auto
0.85%
Retailing
0.74%
Textile Products
0.64%
Industrial Products
0.60%
Services
0.52%
Non - Ferrous Metals
0.37%
Power
0.33%
Minerals/Mining
0.33%
Hotels, Resorts And Other Recreational Activities
0.26%
Auto Ancillaries
0.21%
Media & Entertainment
As on 31-Dec-2019
% to NET Assets
Name
23.13%
TREPS 01-Jan-2020
8.60%
Grasim Industries Ltd.
7.55%
Cash & Cash Equivalents
6.17%
Interglobe Aviation Ltd.
5.75%
ICICI Bank Ltd.
4.42%
Century Textiles & Industries Ltd.
4.08%
HDFC Bank Ltd.
2.90%
Reliance Industries Ltd.
2.20%
State Bank of India
1.93%
Infosys Ltd.
1.87%
Tata Consultancy Services Ltd.
1.68%
Larsen & Toubro Ltd.
1.64%
Kotak Mahindra Bank Ltd.
1.64%
ITC Ltd.
1.54%
364 DAY T-BILL 09-Jan-2020
1.40%
ICICI Prudential Life Insurance Company Ltd.
1.34%
Housing Development Finance Corporation Ltd.
1.20%
Bharti Airtel Ltd.
1.15%
GlaxoSmithKline Consumer Healthcare Ltd.
1.14%
Maruti Suzuki India Ltd.
1.06%
Max Financial Services Ltd.
1.01%
Axis Bank Ltd.
0.91%
IndusInd Bank Ltd.
0.88%
Dabur India Ltd.
0.84%
City Union Bank Ltd.
0.81%
Abbott India Ltd.
0.81%
Ultratech Cement Ltd.
0.77%
Divi's Laboratories Ltd.
0.76%
Equitas Holdings Ltd.
0.76%
Aditya Birla Fashion and Retail Ltd.
0.74%
SRF Ltd.
0.73%
HCL Technologies Ltd.
0.70%
Britannia Industries Ltd.
0.64%
Astral Poly Technik Ltd.
0.60%
Indian Railway Catering & Tourism Corporation Ltd.
0.59%
Bajaj Finance Ltd.
0.57%
Orient Electric Ltd.
0.56%
Voltas Ltd.
0.54%
Hindustan Petroleum Corporation Ltd.
0.52%
Vedanta Ltd.
0.46%
SBI Life Insurance Company Ltd.
0.45%
Sun Pharmaceutical Industries Ltd.
0.41%
Birla Corporation Ltd.
0.38%
JK Cement Ltd.
0.37%
NTPC Ltd.
0.33%
Coal India Ltd.
0.33%
The Indian Hotels Company Ltd.
0.31%
Tech Mahindra Ltd.
0.26%
Balkrishna Industries Ltd.
0.23%
Marico Ltd.
0.21%
Zee Entertainment Enterprises Ltd.
0.09%
Avenue Supermarts Ltd.
0.04%
Whirlpool of India Ltd.

Benchmark

CRISIL Hybrid 35+65 - Aggressive Index

Additional Benchmark

Nifty 50 Index - TRI

Horizon

Long term

Age

4 Yrs 44 Days

Performance

Suitable for

1. Income and long term capital growth.
2. Investment in equity and equity related securities, debt/money market securities as well as derivatives.

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 equity, 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