SolutionRetirement FundDirect · Growth
Aditya Birla Sun Life Retirement Fund-The 50s Plan-Direct Plan-Growth
Aditya Birla Sun Life · Scheme 146940
₹16.93▼ 0.06%NAV · 2026-09-18
Decent FundScore
AUM
₹27 cr
Expense ratio
0.63%
3Y CAGR
8.9%
Risk level
Low to Moderate
Min SIP
₹500
Benchmark
Nifty 500 TRI
Fund manager: Ajay GargExit load: Nil
Decent · 56/100
A solid option with a few areas worth a closer look.
🎯 Best held for the long term (5+ years) as part of a diversified portfolio.
📈 Why it could do well
- ✓Protects capital well — worst-ever fall was only 5%.
- ✓Low volatility (3% a year) — a steady, low-drama ride.
- ✓Low cost — 0.63% expense ratio means more of the return stays with you.
- ✓1Y return vs category: +2.4% vs category avg
- ✓Positive 3Y windows: 100% of rolling 3Y windows positive
📉 What could drag it down
- •Weak risk-adjusted returns (Sharpe 0.28) — took on risk without enough payoff.
- •3Y CAGR vs category: -2.0% vs category avg
- •5Y CAGR: +7.4%
FundScore breakdown
56/100 · Decent
Returns
Weak
Consistency
Decent
Risk-adjusted
Weak
Downside protection
Excellent
Cost efficiency
Strong
Portfolio quality
Average
Each dial rates the fund 0–100 on one factor, computed from real NAV history. Fuller & greener = stronger.
SIP return calculator
Back-tested on this fund's actual historical NAVs. Past performance ≠ future returns.