Tata Retirement Savings Fund-Moderate Plan

Review Date: 12-06-2026

Beginning of Analysis

In the Retirement Fund category, Tata Retirement Savings Fund-Moderate Plan is the 17th ranked fund. The category has total 26 funds. The Tata Retirement Savings Fund-Moderate Plan has shown a poor past performence in Retirement Fund. The fund has a Jensen Alpha of -0.63% which is lower than the category average of 0.12%. The fund has a Sharpe Ratio of 0.41 which is higher than the category average of 0.38.
The past performance of the fund may or may not be sustained in the future. The review is not investment advice nor is it a recommendation to buy or sell funds. The ranking is based on proprietary methodology developed by bmsmoney. The methodology is based on the past performance of the funds and does not guarantee future performance.
Retirement Mutual Funds

Tata Retirement Savings Fund-Moderate Plan Return Analysis

The Tata Retirement Savings Fund-Moderate Plan has delivered a mixed performance across various time horizons, showcasing both strengths and challenges when compared to its Retirement Fund peers and the Nifty 500 TRI benchmark. This analysis examines the fund’s returns over periods ranging from one month to ten years, alongside its Systematic Investment Plan (SIP) performance, highlighting its rankings within the Retirement Fund category and its ability to outperform or underperform the benchmark and category averages.

• The fund has given a return of 1.5%, 7.83 and 0.67 in last one, three and six months respectively. In the same period the category average return was 1.38%, 2.92% and -1.23% respectively.
• Tata Retirement Savings Fund-Moderate Plan has given a return of 1.37% in last one year. In the same period the Nifty 500 TRI return was -1.03%. The fund has given 2.4% more return than the benchmark return.
• The fund has given a return of 14.14% in last three years and rank 7th out of twenty six funds in the category. In the same period the Nifty 500 TRI return was 13.41%. The fund has given 0.73% more return than the benchmark return.
• Tata Retirement Savings Fund-Moderate Plan has given a return of 11.71% in last five years and category average returns is 10.21% in same period. The fund ranked 9th out of twenty five funds in the category. In the same period the Nifty 500 TRI return was 11.87%. The fund has given 0.16% less return than the benchmark return.
• The fund has given a return of 13.62% in last ten years and ranked 4th out of ten funds in the category. In the same period the Nifty 500 TRI return was 14.02%. The fund has given 0.4% less return than the benchmark return.

Tata Retirement Savings Fund-Moderate Plan Risk Analysis

• The fund has a standard deviation of 12.45 and semi deviation of 9.59. The category average standard deviation is 9.2 and semi deviation is 7.14.
• The fund has a Value at Risk (VaR) of -20.88 and a maximum drawdown of -14.24. The category average VaR is -12.9 and the maximum drawdown is -10.32. The fund has a beta of 0.78 which shows that fund is less volatile than the benchmark.

Standard deviation measures the fund's return volatility and Semi deviation focuses on downside volatility. Value at Risk (VaR) is a measure of the risk of investments. Maximum Drawdown is the maximum loss from a peak to a trough of a portfolio. Beta measures the volatility of the fund compared to the benchmark. A beta of 1 indicates that the fund will move in line with the benchmark. A beta of more than 1 indicates that the fund will be more volatile than the benchmark and vice versa.

Very Good Performance in Retirement Fund Category

Good Performance in Retirement Fund Category

Poor Performance in Retirement Fund Category

Very Poor Performance in Retirement Fund Category

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Investors beware: Mutual Fund investments are subject to market risks. Please read the scheme related documents carefully.

Data Source: www.amfiindia.com

SEBI Categorization