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ABSLPF Secure Retirement Equity Fund – NPS (Tier 1)
(Secure Retirement Equity -I)
Designed for Long-Term Wealth Creation with Risk-Adjusted Discipline
High Growth Equity focused
With MSF, each scheme is managed and reported separately, making performance tracking much more straightforward.
Subscriber can view scheme-specific disclosures, benchmarks, and Net Asset Values (NAVs), which improves transparency and decision-making.
- Large Caps → Stability & Consistent Compounding
- Mid-Caps → Accelerated Growth Opportunity
Benchmark: BSE 200 Index
A diversified and risk-efficient benchmark ideal for retirement investing.
Long-Term Wealth Builder
Minimum 15 years vesting period or retirement/60 years whichever is early.
Tax Benefits
Under the old tax regime, save taxes u/s 80C, 80CCD (1B) G 80CCD (2) Under the New Tax regime, save taxes u/s 80CCD (2)
Can be considered by
| Profile | Age | Typical investment need / life stage |
|---|---|---|
| Early & Mid-Career Professionals & Long-term Investors | 18–45 | Seeking growth, wealth building & early retirement planning along with tax savings, comfortable with volatility over the fund lifecycle |
| Senior Professionals & Long-term Investors | 45–60 | Seeking to build a retirement corpus during senior / late career, or already invested in debt through PF, FD, etc. traditional debt tools, etc. |
Investment Approach
| Core Element | Strategy | Investor Benefit |
|---|---|---|
| Bottom-Up Stock Selection | Focus on fundamentals & earnings growth | Higher long-term conviction |
| Active Management | Overweight outperformers, avoid laggards | Potential to beat index |
Build on the strength of India's top companies and actively managed to outperform them. Asset Allocation Strategy
| Asset Class | Objective |
|---|---|
| Equity (100% NPS Equity Index) | No speculative small caps |
| Short-term debt instruments and related investments | Higher long-term conviction |
| Alternative Assets# | Potential to beat index |
Why the Aditya Birla Secure Retirement Equity - 1?
Wide diversification across India's most credible large & mid-cap companies
Lower volatility than pure midcap/smallcap indices
Higher long-term return consistency than concentrated indices (Sensex/Nifty50)
Superior Risk-Return Score — Simplified
| Index | Return Potential | Volatility | Risk-Return Efficiency Score* |
|---|---|---|---|
| BSE 200 TRI | High | Moderate | 1.36 (3Y) / 1.98 (5Y) / 3.98 (10Y) Highest Risk Reward Scores |
| Sensex | Moderate | Low | Slightly lesser scores due to limited upside capture (returns) |
| BSE Midcap | High | High | Lower scores due to higher volatility |
| BSE Small-cap | Very High | Very High | Lower scores due to higher volatility |
BSE 200 has historically offered "more return per unit of risk" than any other broad market index over 3Y, 5Y and 10Y periods
Can be considered by
| Time Horizon | Sensex | BSE 200 (Fund Benchmark) | BSE Midcap | BSE Smallcap | Debt |
|---|---|---|---|---|---|
| 3 Year | 11.8% | 14.1% | 21.8% | 22.4% | 8.4% |
| 5 Year | 16.1% | 18.5% | 25.0% | 28.6% | 6.7% |
| 10 Year | 11.9% | 12.8% | 15.3% | 16.8% | 8.1% |
BSE 200 has historically delivered stronger returns than Sensex, while avoiding the extreme volatility of Midcap/Small cap indices.
Debt returns stay stagnant around 7-8%, barely above inflation.
Long-term equity allocation is essential for retirement wealth — 100% NPS Equity Index offers a balanced and attractive risk-reward profile.