INVESTMENT STYLE:

A Fund that aims to provide an investment tool for retirement planning to suit the risk profile of the investor

INVESTMENT OBJECTIVE:

To provide a financial planning tool for long term financial security for investors based on their retirement planning goals. However, there can be no assurance that the investment objective of the fund will be realized, as actual market movements may be at variance with anticipated trends.

DATE OF ALLOTMENT:

November 01, 2011

FUND MANAGER(S)

Sonam Udasi (Managing Since 01-Apr-16 and overall experience of 27 years) (Equity) & Murthy Nagarajan (Managing since 01-Apr-17 and overall experience of 28 years) (Debt)

BENCHMARK:

CRISIL Short Term Debt Hybrid 75+25 Index

NAV (in Rs.)

Direct - Growth	: 34.5132
Reg - Growth	: 29.6108
FUND SIZE
Rs. 168.71 (Rs. in Cr.)
MONTHLY AVERAGE AUM
Rs. 170.88 (Rs. in Cr.)
EXPENSE RATIO**
Direct	0.97
Regular	2.18
**Note: The rates specified are actual month end expenses charged as on Feb 28, 2025. The above ratio includes the GST on Investment Management Fees. The above ratio excludes, borrowing cost, wherever applicable.

VOLATILITY MEASURES^	FUND	BENCHMARK
Std. Dev (Annualised)	4.48	3.98
Portfolio Beta	1.02	NA
R Squared	0.87	NA
Treynor	0.01	NA
Jenson	-0.12	NA
Portfolio Macaulay Duration	:	4.11 Years
Modified Duration	:	3.97 Years
Average Maturity	:	6.29 Years
Annualized Yield to Maturity (For Debt Component)*
- Including Net Current Assets	:	6.92%
*Computed on the invested amount for debt portfolio
^Risk-free rate based on the FBIL Overnight MIBOR rate of 6.4% as on Feb 28, 2025 For calculation methodology

MINIMUM INVESTMENT/
MULTIPLES FOR NEW INVESTMENT:

Rs. 5,000/- and in multiples of Re. 1/- thereafter.

ADDITIONAL INVESTMENT/
MULTIPLES FOR EXISTING INVESTORS:

Rs. 1,000/- and multiples of Re. 1/- thereafter.

LOAD STRUCTURE:

ENTRY LOAD	Not Applicable
EXIT LOAD	1) Nil – If redemption or switch out on or after attainment of retirement age i.e. 60years. 2) Nil – In case of Auto switch out of units on occurrence of Auto switch trigger event. 3) Exit Load is 1% – If redeemed before 61 months from the date of allotment. The above condtions applicable (w.e.f. 3rd May, 2019)

Please refer to our Tata Mutual Fund website for fundamental changes, wherever applicable