Tata Retirement Savings Fund offers 3 investment options. These include Progressive Plan, Moderate Plan and Conservative Plan. All these three plans available for investment have given better returns to the investors in the last 11 years.
New Delhi. Tata Retirement Fund, which comes with a lock-in period of 5 years, has given investors tremendous returns over the past decade. In 11 years, the investment of 13 lakhs accumulated under monthly SIP of 10 thousand rupees has now increased to more than 28 lakhs. Tata Retirement Savings Fund offers 3 investment options. These include Progressive Plan, Moderate Plan and Conservative Plan. This fund was launched on 1st November 2011 and now it has completed 11 years.
The fund has an equity exposure range of 85% to 100% in Progressive plans, 65% to 85% in Moderate plans and 85% in Conservative plans. 70% to 100%. This fund has been given a 3 star rating by Value Research. Let us know about the tremendous returns available under Progressive Plan, Moderate Plan and Conservative Plan..
Returns in Progressive Plan
This fund has given a return of 5.58% in the last one year. Thus, with a monthly SIP of ₹10,000, the total investment increased from ₹1.20 lakh to ₹1.23 lakh. While the rate of return in the last three years has been 13.32%, therefore, with a monthly SIP of ₹ 10,000, the total investment has increased by ₹ 3.60 Lakh to ₹ 4.38 Lakh. Whereas, with a monthly SIP of ₹10,000, the actual investment would grow from ₹6 lakh to ₹7.98 lakh, due to the fund’s 11.38% return over the last five years. The fund has given a return of 11.87% in the last 7 years, so a monthly SIP of ₹10,000 converts your total investment of ₹8.40 Lakhs to ₹12.82 Lakhs.
Since the fund has given 13.20% returns in the last ten years, a monthly SIP of ₹10,000 translates to ₹23.89 Lakhs, increasing your total investment from ₹12 Lakhs. With a monthly SIP of ₹10,000, your entire investment of ₹13.10 Lakh would have grown to ₹28.33 Lakh, assuming an annualized return of 13.44% since the fund’s inception.
Returns of Moderate and Conservative Plan
A monthly SIP of ₹10,000 will now increase your total investment from ₹6 lakh to ₹7.89 lakh due to 10.92% return of the fund over the last five years in the Moderate plan. Whereas, the Conservative plan has given an annualized return of 7.88% since the inception of the fund so a monthly SIP of ₹10,000 now grows your entire investment from ₹13.10 Lakh to ₹20.45 Lakh.
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