Aditya Birla Sun Life Retirement Mutual Fund- NFO Details

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Are you in your active working years and is planning for retirement? Then here is your ideal retirement plan. Aditya Birla has launched a retirement scheme named Aditya Birla Sun Life Retirement Mutual Fund which is an open-ended scheme with a lock-in period of 5 years or until your retirement age, whichever is earlier. This new fund offer(NFO) plan your retirement depending on your age and risk-taking capability by investing in equity, debt and money market instruments. Aditya Birla Sun Life Retirement Mutual Fund offers 4 different investment plans according to the age bracket. 

Why choose Aditya Birla Sun Life Retirement Mutual Fund?

With the growing inflation rate and the decreasing value of money over the period time, you must plan your retirement from your early working years. Nowadays, retirement is not leading a lonely life. But it is about living life to the fullest and fulfilling the dreams which were overlooked during the active working years. Aditya Birla Sun Life Retirement Mutual Fund aims to make your second innings a really enjoyable year of your life. It helps in generating income and capital appreciation. 

Aditya Birla Sun Life Retirement Mutual Fund helps to inhibit the regular investment discipline along with that enjoying the compounding benefits. This NFO provides flexibility and customization by offering 4 variant investment plans namely-

  • Aditya Birla Sun Life Retirement Mutual Fund- 30s Plan.
  • Aditya Birla Sun Life Retirement Mutual Fund- 40s Plan.
  • Aditya Birla Sun Life Retirement Mutual Fund- 50s Plan.
  • Aditya Birla Sun Life Retirement Mutual Fund- 50s Plus Debt Plan.Features of Aditya Birla Sun Life Retirement Mutual Fund
  • Aditya Birla Sun Life Retirement Mutual Fund is an open-ended retirement-oriented scheme which aims to generate income and create wealth.
  • This NFO began on February 19, 2019, and will close on March 5, 2019.
  • As Aditya Birla Sun Life Retirement Fund is an open-ended scheme, so it will offer subscription after 5 business days from the allotment date of Mutual fund units after the NFO period is over.
  • This fund is managed by- Mr. Ajay Garg and Mr. Pranay Sinha.
  • Aditya Birla Sun Life Retirement Mutual Fund has a lock-in period of 5 years or until the retirement age whichever is earlier.
  • This retirement NFO offers both dividend and growth option.
  • To invest in Aditya Birla Sun Life Retirement Fund, no entry load is charged.
  • This retirement plan offers investment in both ways- SIP and Lump sum
  • If you invest in Aditya Birla Sun Life Retirement Mutual Fund through monthly SIP, the minimum investment amount is Rs. 500 for a period of 6 months.
  • For lump-sum investment in Aditya Birla Sun Life Retirement Mutual Fund, you need to invest a minimum of Rs. 5000 in multiples of Rs. 1000.
  • During the initial subscription, the NAV of this NFO is Rs. 10 per unit.
  • If you exit Aditya Birla Sun Life Retirement Mutual Fund investment after 5 years of lock-in period, no exit load will be charged. 

Details of Aditya Birla Sun Life Retirement Mutual Fund Plans

Aditya Birla Sun Life Retirement Mutual Fund offers 4 types of investment plans to suit investors of different age groups. Let’s explain them one by one.

Aditya Birla Sun Life Retirement Mutual Fund- The 30s Plan

  • This fund is ideal for those who are in their early working years with the aim to plan their retirement up to 30 years.
  • The objective of this NFO is to generate capital and create wealth over a period of say, 20 to 30 years.
  • The risk profile of Aditya Birla Sun Life Retirement Mutual Fund- 30s Plan is medium to high which will invest primarily in a diversified portfolio of equity and equity related instruments.
  • The fund manager invests in quality companies which are backed by strong promoters.
  • Generally, the stock selection process of Aditya Birla Sun Life Retirement Mutual Fund is through a bottom-up approach and sector allocation through a top-down approach.
Investment Instrument  Asset Allocation Range Risk Profile
Equity and Equity related Instruments 80% to 100% Medium-High
Debt and Money Market Instruments 0 to 20% Low-Medium

Aditya Birla Sun Life Retirement Mutual Fund- The 40s Plan

  • This fund is ideal for those who are in their 40s planning for their retirement for a good 20 years.
  • This NFO helps in creating wealth and generate capital over a period of 15 to 20 years.
  • The risk profile of Aditya Birla Sun Life Retirement Mutual Fund- 40s Plan is medium to high which invests primarily in equity and equity-related securities with marginal exposure to debt and money market to provide some monetary stability. 
  • The debt part of the portfolio invests in good quality debentures and corporate bonds.
  • While the equity part of the portfolio invests in diversified sectoral allocated instruments.
Investment Instrument Asset Allocation Range Risk Profile
Equity and Equity related Instruments 65% to 80% Medium-High
Debt and Money Market Instruments 20% to 35% Low-Medium

Aditya Birla Sun Life Retirement Mutual Fund- The 50s Plan

  • This fund is ideal for those investors who are in their 50s heading fast towards their retirement. 
  • This retirement scheme aims at consistent and moderate growth. 
  • The risk profile of Aditya Birla Sun Life Retirement Mutual Fund- 50s Plan is medium to low which invests primarily in debt and money market instruments with marginal exposure to equity-related securities.
  • The equity portion follows the multi-cap mechanism and the debt part focuses on debentures and corporate bonds.
  • Aditya Birla Sun Life Retirement Fund- 50s Plan follows high-quality accrual portfolio to provide gradual and consistent capital growth.
Investment Instrument Asset Allocation Range Risk Profile
Debt and Money Market Instruments 75% to 100% Low-Medium
Equity and Equity related instruments 0 to 25% Medium-High

Aditya Birla Sun Life Retirement Mutual Fund- The 50s Plus- Debt Plan

  • This fund is ideal for those who are retired individuals and aims to fulfill post-retirement goals.
  • The risk profile of Aditya Birla Sun Life Retirement Mutual Fund- 50s Plus- Debt Plan is substantially minimized which invests in debt and money market instruments that are issued by the central/state government or corporates.
  • This retirement plan helps in earning a regular income with a steady return.
  • Aditya Birla Sun Life Retirement Mutual Fund- 50s Plus- Debt Plan follows a mix of duration and accrual strategy when the interest rate is towards the bullish trend.
  • The portfolio is corporate bond based when the expected volatility is limited and the interest rate is quite stable.
Investment Instrument Asset Allocation Range Risk Profile
Debt and Money Market Instruments 100% Low-Medium

Benchmark of Aditya Birla Sun Life Retirement Mutual Fund

The investment plans of Aditya Birla Sun Life Retirement Mutual Fund are benchmarked against the following set of indices-

Investment Plans Benchmark
30s Plan S&P BSE 200 Index 
40s Plan  CRISIL Hybrid 35+65- Aggressive Index
50s Plan CRISIL Short-term Debt Hybrid 75+25 Fund Index
50s Plus- Debt Plan CRISIL Short-term Bond Fund Index

Benefits of Aditya Birla Sun Life Retirement Mutual Fund

  • Aditya Birla Sun Life Retirement Mutual Fund helps in fulfilling your dreams and passions which got skipped during your active working years.
  • You can easily maintain your living standard even after your retirement through Aditya Birla Sun Life Retirement Mutual Fund.
  • With the help of Aditya Birla Sun Life Retirement Mutual Fund, you don’t have to worry about your next generation. 
  • Your medical cost and other unexpected expenses are easily taken care of.

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