Principal Retirement Savings Fund Conservative Plan

Principal Retirement Savings Fund Conservative Plan

Moderately high Risk
NAV (as on 17-12-2018)

12.3493

1 YEAR RETURN (as on 17-12-2018)

2.18%

CAGR since inception (since 14-12-2015)

7.25%

AUM (as on 30-Nov-2018)

2.26 Cr

Investment type

Investment Amount

Tenure

Growth

This Fund Benchmark Additional Benchmark
* Returns shown are for the growth option and are calculated uptil 17-12-2018
* 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 17-12-2018
* 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 17-12-2018
* Benchmark : 30% Nifty 50 - TRI + 70% CRISIL Liquid Fund Index
* Additional Benchmark : CRISIL 10 Year Gilt Index
As on 30-Nov-2018
17.17%
Finance
9.79%
Petroleum Products
8.74%
Software
7.25%
Pharmaceuticals
5.33%
Ferrous Metals
5.08%
Banks
2.92%
Consumer Non Durables
2.61%
Media & Entertainment
1.52%
Construction Project
1.07%
Power
1.06%
Auto
0.80%
Cement
0.55%
Chemicals
0.54%
Minerals/Mining
0.53%
Auto Ancillaries
0.53%
Industrial Products
0.50%
Hotels, Resorts And Other Recreational Activities
0.46%
Fertilisers
0.40%
Consumer Durables
0.35%
Non - Ferrous Metals
0.19%
Textile Products
0.15%
Construction
0.13%
Telecom - Services
0.08%
Diversified Consumer Services
14.54%
Principal Low Duration Fund - Direct Plan - Growth Option
10.03%
Principal Cash Management Fund -Growth Option
6.89%
Wipro Ltd.
6.81%
Multi Commodity Exchange of India Ltd.
6.81%
Cash & Cash Equivalents
6.47%
Hindustan Petroleum Corporation Ltd.
6.02%
Dr. Reddy's Laboratories Ltd.
5.07%
Housing Development Finance Corporation Ltd.
4.97%
Tata Steel Ltd.
4.74%
Indiabulls Housing Finance Ltd.
3.32%
Reliance Industries Ltd.
2.61%
Sun TV Network Ltd.
1.26%
HDFC Bank Ltd.
1.21%
Larsen & Toubro Ltd.
1.00%
State Bank of India
0.96%
ICICI Bank Ltd.
0.88%
ITC Ltd.
0.88%
Tata Consultancy Services Ltd.
0.87%
91 DAY T-BILL 08-Feb-2019
0.71%
Infosys Ltd.
0.54%
Coal India Ltd.
0.50%
The Indian Hotels Company Ltd.
0.49%
Dabur India Ltd.
0.48%
GlaxoSmithKline Consumer Healthcare Ltd.
0.47%
Aurobindo Pharma Ltd.
0.47%
Tata Power Company Ltd.
0.46%
Chambal Fertilisers and Chemicals Ltd.
0.44%
Phillips Carbon Black Ltd.
0.42%
Britannia Industries Ltd.
0.40%
Bajaj Electricals Ltd.
0.38%
NTPC Ltd.
0.37%
Kotak Mahindra Bank Ltd.
0.35%
ICICI Prudential Life Insurance Company Ltd.
0.35%
Marico Ltd.
0.34%
Maruti Suzuki India Ltd.
0.31%
Asahi India Glass Ltd.
0.30%
Abbott India Ltd.
0.30%
Bombay Burmah Trading Corporation Ltd.
0.30%
Ramkrishna Forgings Ltd.
0.29%
Mahindra & Mahindra Ltd.
0.28%
The India Cements Ltd.
0.26%
City Union Bank Ltd.
0.26%
HCL Technologies Ltd.
0.26%
KEC International Ltd.
0.24%
Dishman Carbogen Amcis Ltd.
0.23%
Jain Irrigation Systems Ltd.
0.22%
Axis Bank Ltd.
0.22%
Canara Bank
0.22%
Sun Pharmaceutical Industries Ltd.
0.22%
Hero MotoCorp Ltd.
0.22%
Rico Auto Industries Ltd.
0.22%
Kalpataru Power Transmission Ltd.
0.21%
The Federal Bank Ltd.
0.21%
Bajaj Auto Ltd.
0.20%
Shriram Transport Finance Company Ltd.
0.20%
Kirloskar Ferrous Industries Ltd.
0.20%
Karur Vysya Bank Ltd.
0.19%
Hindustan Zinc Ltd.
0.19%
Birla Corporation Ltd.
0.19%
Raymond Ltd.
0.19%
Ultratech Cement Ltd.
0.17%
Bank of Baroda
0.16%
National Aluminium Company Ltd.
0.16%
Steel Authority of India Ltd.
0.15%
Gayatri Projects Ltd.
0.14%
JK Cement Ltd.
0.13%
Bharti Airtel Ltd.
0.13%
Vijaya Bank
0.11%
Rain Industries Ltd.
0.08%
CL Educate Ltd.
0.08%
Syndicate Bank
0.05%
Hindustan Construction Company Ltd.

Benchmark

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

Horizon

Long term

Age

3 Yrs 4 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

plans

Regular Sub-Plan and Direct Sub-Plan

expense ratio

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

P.V.K Mohan

P.V.K Mohan has spent over 25 years in equity research and fund manage...
funds managed

Scheme Document & Forms

Fact Sheet

KIM

Application Form