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  • Principal Asset Management Private Limited
  • Principal Retirement Sav Conservative fund (Growth)

Formerly Principal Asst-A FoF-Conservative-Reg Gr

Principal Retirement Sav Conservative fund (Growth)

Principal Retirement Sav Conservative fund (Growth)

Hybrid

Conservative Hybrid

12.9981

NAV (Nov 20)

Scripbox Opinion

Not Recommended

Click here for top ranked funds in conservative hybrid mutual funds.

However, Scripbox does not recommend investing in conservative hybrid mutual funds.

Conservative hybrid funds are primarily debt funds which invest a small amount in Equity instruments.

They will tend to fluctuate a little in line with market movements - providing marginal extra gains when the market moves up and marginally lower returns when the market is down.It’ s better for investors to make the allocation to equity & debt themselves and choose the right funds in each asset class.

Our analysis of this fundLearn how we rate funds ->

Track Record

5 Years

The fund has Relatively moderate history for analysis. We recommend funds with longer history.

Relative Size

2 Cr

Negligible within the category

Category View

Relatively Poor

The category has a relatively poor investment outlook

Consistency Of Performance

Relatively moderate

The historical performance of the fund has been OK

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    Historical growth rate of 12% per annum
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    Recommended Duration 1 - 5 years
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    No Lock-in
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    Expert Investing Only
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Scheme Information

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

Low

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Moderately Low

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Moderate

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Moderately High

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High

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Moderately High risk

2.25 %

Expense Ratio

Dec 14, 2015

Launched (5y ago)

₹ 2

AUM in Crores

INF173K01MS2

ISIN

No Lock-in

Lock-in

CRISIL Liquid Fund TR INR

Benchmark

₹ 2,000

SIP Minimum

₹ 5,000

Lumpsum Min.

Fund Managers
user-avatar

Ravi Gopalakrishnan

Fund Manager

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Returns Calculator Comparison

of

for

with step up of

InstrumentReturnsTotal CorpusGainsAnnualised %
Mutual Fund70%₹ 965,796 ₹ 233,18411.25%
EPF70% ₹ 900,761 ₹ 168,1498.50%
Property70% ₹ 867,662 ₹ 135,0507.00%
PPF70% ₹ 869,819 ₹ 137,2077.10%
Bank FD70% ₹ 846,471 ₹ 113,8596.00%
Gold70% ₹ 846,471 ₹ 113,8596.00%
Savings Bank70% ₹ 825,950 ₹ 93,3385.00%

Disclaimer: Products compared like fixed deposits may provide fixed guaranteed returns. Mutual Funds investments are subject to market risk, read all scheme related documents carefully before investing. Past performance is not an indicator of future returns.

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Build Long Term Wealth

Invest in a scientifically curated set of equity mutual funds which are best aligned towards achieving any long term objectives you have.

  • Inflation beating returns
    Inflation beating returns
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    One click investing tracking
asset-allocation

Asset allocation and Holdings

Last updated on 2020-11-20

Top Stock Holdings

Cash offset for derivatives

40.7%
40.7%

Net receivable / payable

15.9%
15.9%

Treps 02-nov-2020

15.4%
15.4%

Jsw steel ltd. 26-nov-20

6.8%
6.8%

Jsw steel ltd shs dematerialised

6.8%
6.8%
See all holdingsright-arrow
allocation by market cap

Allocation by Sector

Financial services

17.7%
90%

Healthcare

13.7%
90%

Consumer defensive

10.9%
90%

Basic materials

10%
90%

Energy

5.9%
90%
See all sectorsright-arrow
comparison

Comparison with Hybrid Funds

Quant Absolute Fund (G)

Quant Absolute Fund (G)

Aggressive Hybrid

19 Years

Age

5

Track Record

ICICI Prudential Savings Fund (G)

ICICI Prudential Savings Fund (G)

Conservative Hybrid

16 Years

Age

5

Track Record

LIC MF Equity Hybrid Fund (G)

LIC MF Equity Hybrid Fund (G)

Aggressive Hybrid

21 Years

Age

5

Track Record

ICICI Prudential Equity & Debt Fund (G)

ICICI Prudential Equity & Debt Fund (G)

Aggressive Hybrid

21 Years

Age

5

Track Record

Aditya Birla Sun Life Equity Hybrid 95 Fund (G)

Aditya Birla Sun Life Equity Hybrid 95 Fund (G)

Aggressive Hybrid

25 Years

Age

5

Track Record

amc-icon

About the AMC

Principal Asset Management Private Limited

Principal Asset Management Private Limited manages assets worth 6,518 crores and was set up on 20 November 1994. It's current offering of mutual fund schemes includes 26 equity,31 debt and 23 hybrid funds.

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  • tel-amc-about
    022-67720555
  • mail-amc-about
    customer@principalindia.com
  • Principal Emerging Bluechip Fund (G)

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    ₹ 2,119 Cr

    Fund Size

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    Fund Size

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    Top Ranked

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    Fund Size

    2.8%

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    Principal Dividend Yield Fund (G)

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    Diversified

    Top Ranked

    ₹ 165 Cr

    Fund Size

    4.7%

    3Y returns

    Principal Ultra Short Term Fund (G)

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    Ultra Short

    Top Ranked

    ₹ 136 Cr

    Fund Size

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    3Y returns

    growth

    Build Long Term Wealth

    Invest in a scientifically curated set of equity mutual funds which are best aligned towards achieving any long term objectives you have.

    • graph-icon-gray
      Historical growth rate of 12% per annum
    • graph-icon-gray
      Recommended Duration 1 - 5 years
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      No Lock-in
    • graph-icon-gray
      Expert Investing Only
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      One-click investing and tracking
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      Zero fees for all your investments
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    Equity

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    Equity

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    Equity

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    Invesco India Growth Opportunities Fund (Growth)

    Invesco India Growth Opportunities Fund (Growth)

    Equity

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    Investment Calculator

    Investment Duration5 years

    ₹ 0

    Total Investment

    ₹ 0

    Wealth Gained

    ₹ 0

    Total Corpus Created (₹)

    With assumed returns of 9 %
    How does Scripbox rate funds?

    Proprietary system to rate mutual funds

    We use a proprietary system to rate mutual funds and based on that make a recommendation or rate the fund as top ranked.

    What Scripbox recommendations mean?
    Scripbox algorithm recommends 2-4 funds for investment for an investment asset class such as large cap, diversified, liquid etc. When you invest for an objective, the algorithm suggests the appropriate asset class and funds.
    Track Record

    Track Record

    We look at consistent and long historical performance for our analysis.

    Relative Size

    Relative Size

    We look at the size of the fund with respect to other funds in the category. Larger funds are preferred.

    Category View

    Category View

    We check if the sub-category of the fund is recommended by us.

    Consistency Of Performance

    Consistency Of Performance

    Consistency of performance over various tenures is analysed for a relative performance stack.

    Track Record

    Track Record

    We look at consistent and long historical performance for our analysis.

    Relative Size

    Relative Size

    We look at the size of the fund with respect to other funds in the category. Larger funds are preferred.

    Impact of Interest Rates

    Impact of Interest Rates

    We check the relative interest rate risk of the sub-category of the fund. Lower the better.

    Credit Quality Of Fund’s Portfolio

    Credit Quality Of Fund’s Portfolio

    We check the relative interest rate risk of the sub-category of the fund. Lower the better.

    Equity Funds

    Debt Funds

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    About Principal Retirement Sav Conservative fund (G)

    About Principal Retirement Sav Conservative fund (G)

    Principal Retirement Sav Conservative fund (G) is a conservative hybrid hybrid fund and has delivered an annualised return of 5.4% over a period of 5 years .The fund was previously known as Principal Asst-A FoF-Conservative-Reg Gr.The fund is managed by Principal Asset Management Private Limited.The fund manager’s name is Ravi Gopalakrishnan.

    Principal Retirement Sav Conservative fund (G) 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 However, there is no assurance that the objective of the scheme will be realized.

    Principal Retirement Sav Conservative fund (G) NAV,AUM,Risk

    The Principal Retirement Sav Conservative fund (G) fund was launched on Dec 14, 2015. The NAV (Net Asset Value) of this conservative hybrid hybrid as of 2020-11-20 is ₹ 12.9981. The total AUM (Asset Under Management) of the fund as of 2020-11-20 is ₹ 1.223. The category risk of the Principal Retirement Sav Conservative fund (G) fund is Moderately High risk. The fund charges 2.25 % as expense ratio.

    Principal Retirement Sav Conservative fund (G) Holdings

    The fund’s highest allocation is towards others and has invested 72.8% in this asset class. The top three holdings of the fund are 182 dtb 12112020,jsw steel ltd. 26-nov-20 and jsw steel ltd shs dematerialised

    Principal Retirement Sav Conservative fund (G) SIP

    The minimum SIP (Systematic Investment Plan) amount for this is ₹ 2000 and you can increase this in multiples of ₹ 100. In case you want to invest a lump sum, the minimum amount to be invested is ₹ 5000.

    Principal Retirement Sav Conservative fund (G) Investment volatility and Horizon

    This fund is meant for investors with a minimum investment horizon of 5-7 years. Due to the asset class nature, expect volatility in your investments over the short term. The fund is benchmarked to CRISIL Liquid Fund TR INR

    Principal Retirement Sav Conservative fund (G) Review

    Principal Retirement Sav Conservative fund (G) has a score of 1 on a scale of 5. The fund scores 3 out of 5 based on historical performance. As compared to the other funds in its category, Principal Retirement Sav Conservative fund (G) has a score of 1 out of 5. Scipbox has rated this fund 3 out of 5 based on consistency of performance over various years / tenures.

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