Why Is Reliance Retirement Fund Wealth Creation Scheme a Perfect Beginning

Retirement planning is an integral part of the financial planning of every investor, as this is what decides that if the later years of a person will be as smooth as the present ones. Now, to get a good corpus for your retirement, the most important factor is a good start, and one such scheme that can provide a great beginning to your investment journey is Reliance Retirement Fund Wealth Creation Scheme. Let’s see what makes this fund stand out from the other retirement planning options.   

A Perfect Blend 

This scheme is a perfect blend of various combinations, and they are stated as below:

• The first and foremost combination it follows is the blend of value and growth investment style. This helps the scheme in providing stability as well as growth to the investors, as with value style of investing, it picks the opportunities that generate in the market and with growth style of investing, it picks stocks that can provide undeterred returns. It is one of the best strategies to enjoy long-term growth.
• The second is Reliance Retirement Fund Wealth Creation Scheme Growth Plans’ investment across different market caps, which will allow it to show stability during the market downside and high growth during the market upside. As of now, it has 77.09% investment in large-caps, 16.52% investment in mid-caps, and 6.40% investment in small-cap companies. Due to the volatility and correction prevailing in the mid and small cap space, the investment in these has been decreased which show the capability of the fund to adapt to the market trends.
• The third one is the blend of sectors in which Reliance Retirement Fund Wealth Creation Scheme invests in. At present, it has an investment in a total of 14 sectors from which finance, construction, energy, automobile, and technology holds the major allocation. This is another factor which will help the fund in generating stable returns during the variable market cycles.

Backed By Reliance Mutual Fund

This is yet another reason to choose this scheme. Reliance Retirement Fund Wealth Creation Plan is backed by one of the largest AMCs of India and some of the best minds are working together to move this fund to the top. This fund house is currently sponsoring a lot of great schemes right now, some of which are Reliance Small Cap Fund, Reliance Large Cap Fund, Reliance Liquid Fund, etc. With this exceptional management, the fund is expected to reach new heights in the coming years.

Available at Lower Price

Reliance Retirement Fund Wealth Creation Scheme is a little more than 3 years old and due to its flat performance during the yesteryears, the NAV has not increased that much and as of now it’s NAV is just Rs. 12.66 (As on Nov 21, 2018), which is just a little more than its face value of Rs. 10. So, this means that by investing now you can accumulate a great number of units even with small investment amounts. Now, this will help you greatly in the next few years as after the recent market downfall of October, it has shown a great stability and looking at it a jump in NAV can be expected in the next few months, providing you with a great growth.


So, these were some reasons to start your retirement planning with Reliance Retirement Fund Wealth Creations Scheme Growth Plan. Also, remember that for a perfect retirement corpus, the one thing you should always remember is that go for the long term investment and don’t guide your investments by getting affected by the volatility of the market, as ups and downs are a part of the equity market and this is what helps the funds to book profits.

What Are the Chances of Tata India Pharma & Healthcare Fund to Grow in Future?

Tata India Pharma & Healthcare Fund was launched on 28th Dec 2015 with an aim to generate capital appreciation for the investors by investing 80% to 100% in equity & equity related instruments and 0 to 20% in debt & money market instruments. The fund focuses on investment in Pharma & healthcare companies in India. Currently, Mr Sailesh Jain and Ms Meeta Shetty are handling the portfolio of Tata India Pharma & Healthcare Fund since Nov 2018. As Tata India Pharma & Healthcare Fund is a thematic fund which invests majorly in Pharma sectors, it makes the portfolio of the fund risky. Since launch, the fund has generated an annulised rate of returns at -4.01% because of underperformance of the Pharma & Healthcare sectors due to many reasons.

The experts at MySIPonline have analysed the fund and find out the chances of fund’s growth in future considering the following factors.

Mid-cap Investment

The fund has a well-diversified portfolio where the fund managers invest around 41.07% in mid-cap companies. Such a big portion of assets in mid-cap companies show that the fund has high growth chances in future. Although mid-cap companies also increase volatility to the portfolio, we can expect that with a growing Pharma sector, the mid-cap companies of Pharma will start growing and producing favourable returns.

Stable Portfolio

Sticking to the investment objective, the fund managers invest around 94.52% assets in equity and the remaining in the cash equivalent. From the equity instruments, Tata India Pharma & Healthcare Fund (G) invests approximately 50% of the assets in stocks of large-cap companies which bring stability to the portfolio. Although due to Pharma sector’ slowdown, the fund does not perform accordingly, with the improvement of the Pharma sector, the fund will start growing as well.

Improving Pharma & Healthcare Sector

Since 2015, the Pharma sector has been underperforming due to US FDA strict regulations and slowdown in exports. Further, GST regulations have also impacted the Pharma sector; however, now the saturation is coming to the Pharma sector. With the resilience in the US FDA regulation and approval to exports, we can expect that Tata India Pharma & Healthcare Fund will start growing.

Sun Pharma Gets USFDA Nod

Tata India Pharma & Healthcare Fund has a prominent assets allocation in Sun Pharma (around 15%). Recently in 2018, Sun Pharma received the US FDA (Food and Drug Administration) approval) in cancer treatment injection, prostate cancer drug, plaque psoriasis drug, and eye drug Xeplros. The approval of drugs to the US shows increasing product range of Sun Pharma and future growth of Tata India Pharma & Healthcare Fund. Some other top holdings such as Dr Reddy’s Lab, Abbott India, Aurobindo Pharma are showing improvement which may help Tata India Pharma & Healthcare Fund to grow in the future.

Last One-year Performance

The scheme was launched in Dec 2018, so we have a record of 1 to 2-years performance only. We couldn’t track the record of last 3, 5, and 10-years returns of the scheme. Considering the previous 1-year returns, the fund has generated 6.23% returns which are higher than the category’s average and benchmark. In 2017, the fund has shown positive returns against a negative benchmark.

Overall, the experts at MySIPonline have discussed the chances of Tata India Pharma & Healthcare Fund to grow in future. If you have any query regarding the regular plan, you can mention in the below-provided link to get assistance from experts at MySIPonline ASAP.  https://goo.gl/WofRJm 

ABSL Focused Equity Fund: A Pro Tip To Stay Safe During the Market Fall

We all work like crazy the whole month, deny ourselves of so many things so that we can save money, and have a financial safety in later years. It’s not easy earning bread, but at least the money leaves you with a nice fuzzy feeling when it grows. Though it may also give you pain if you do not save it in a proper way, it can even provide a good percentage of cushion against inflation as well as the market up-downs. Therefore, for saving your hard-earned money, the financial experts of MySIPonline have bought a pro-tip which can provide you with high risk-adjusted returns from the equity market, and that is, ABSL Focused Equity Fund. The fund has been maintaining a concentrated portfolio after new mandate ordered by SEBI and will try to provide stable returns by managing the overall risk.

Glorious Past:

Aditya Birla Sun Life Focused Equity Fund which was launched in 2005 has given annualised returns of 14.01% since then. From the past many years, it has been performing consistently, out starring its benchmark as well as other funds in the category. It has also managed to cap the losses better than its index and peers in the bearish markets of 2008, 2011, and 2015. This all has added more glory to the fund, as it has provided high returns to its investors in the long run. These returns can be seen in the graph provided below:

(*as on Nov 16, 2018)

These returns show that investors can invest in it with an investment horizon of 5 years or more to get the most of the equity market through the fund. The investors investing in the fund should have an appetite of tolerating moderately high-risk as it is allocating its assets in the equity market.

Focused Investment Approach

The decade-old fund will need to restrict its exposure to only 30 stocks which are listed at the top of the market and have the capability to change the market with their performances. Aditya Birla Sun Life Focused Equity Fund Growth Plan with this attentive approach of investment helps it to provide high returns even in the market downfall because these companies can manage ups and downs effectively. This concentrated portfolio helps it in bearing on the overall risk and the return potential. The fund also invests in the multinational companies among the top 30, because they have more experience of managing the market and economic changes globally.

How it Will Save You from the Market Hits?

ABSL Focused Equity Fund G primarily invests in companies with sound corporate management and prospects of the good future growth. The fund management team invests in companies with a track record of superior performance as well as have good corporate governance. This investment strategy of the fund manager, Mr Mahesh Patil helps it to provide high returns to the investors by adjusting risk in the market downturn . So, if you are interested in investing in bluechip companies, you can register yourself at MySIPonline and start your investment journey.

You can also connect with us regarding investment in ABSL Focused Equity Fund- Regular Plan via call or email or post it here https://goo.gl/WofRJm, and we will get back to you soon.