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Principal Retirement Savings Fund Conservative Plan Regular Growth

Solution Oriented
Retirement
Moderately High Risk
5.57%
1Y return
+0.28% 1D
1M
6M
1Y
3Y
5Y
All
NAV: 24 Dec 2020₹13.20
Min. SIP Amount₹2,000
Rating1star
Fund Size₹1.26 Cr

Return calculator

Monthly SIP
One-Time
₹5,000 per month
Over the past
Total investment of 0
Would have become 0 (0.00%)

Returns and rankings

Category: Solution Oriented Retirement
Annualised returns
Absolute returns
1Y3Y5YAll
Fund returns5.6%3.2%5.6%5.7%
Category average14.2%7.4%7.4%NA
Rank with in category343131NA
Understand termsinfo

Holdings (56)

NameSectorInstrumentAssets
JSW Steel Ltd.MetalsEquity7.5%
ICICI Bank Ltd.FinancialEquity6.3%
Axis Bank Ltd.FinancialEquity6.3%
Lupin Ltd.HealthcareEquity6.0%
Sun Pharmaceutical Inds. Ltd.
HealthcareEquity5.7%
Hindustan Unilever Ltd.FMCGEquity5.5%
ITC Ltd.FMCGEquity5.3%
Coal India Ltd.EnergyEquity3.7%
HDFC Bank Ltd.FinancialEquity2.2%
Reliance Industries Ltd.EnergyEquity1.7%
See All

Pros and cons

Category: Solution Oriented Retirement

Pros

  • Exit load is zero

Cons

  • Asset under management(AUM) is less than 500 Crs. Watch expense ratio when AUM is very low
  • Higher expense ratio - 2.25000845%
  • 1Y Returns are lower than the category average returns
  • 3Y Returns are lower than the category average returns
  • 5Y Returns are lower than the category average returns

Expense ratio, exit load and tax

Expense ratio: 2.25000845%

Inclusive of GST

Exit load

Nil

Stamp duty

0.005% (from July 1st, 2020)

Tax implication

Returns are taxed as per your Income Tax slab, if sold before 3 years. Negligible Tax (20% with indexation benefit) post 3 years.

Understand termsinfo

Minimum investment amounts

Min. for 1st investment₹1,000
Min. for 2nd investment onwards₹5,000
Min. for SIP₹2,000

Fund management

P V K Mohan
Jun 2018 - Present
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Ravi Gopalakrishnan
Jul 2019 - Present
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Fund house & investment objective

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Fund house contact details

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