Compare mutual funds | Krystal Capitals

How much it grew
	A: HDFC Retirement Fund Hybrid Equity Plan	B: Tata Retirement Savings Fund Moderate Plan	C: Aditya Birla Sun Life Retirement Fund-30s Plan	D: Union Retirement Fund
3-year returnA year, on averageMiddle return of funds of this type we offer: +7.5% a year	+5.8%	+9.5%	+14.0%Higher	+10.2%
1-year returnTotal over the last year	−7.7%	−0.1%	+7.9%Higher	−1.1%
5-year returnA year, on average	+7.0%	+7.4%	+9.7%Higher	Not enough history
Since launchA year, on average, with at least a year of history	+12.8%from Feb 2016	+13.3%Higherfrom Nov 2011	+10.9%from Mar 2019	+13.2%from Sept 2022

How it held up in falls

Worst fall

Biggest drop from a high, and when

How it held up in falls
	A: HDFC Retirement Fund Hybrid Equity Plan	B: Tata Retirement Savings Fund Moderate Plan	C: Aditya Birla Sun Life Retirement Fund-30s Plan	D: Union Retirement Fund
Worst fallBiggest drop from a high, and when	−27.7%Jan 2020 – Mar 2020

3-year stretches that made money

Out of every 3-year stretch on record

How steady it was
	A: HDFC Retirement Fund Hybrid Equity Plan	B: Tata Retirement Savings Fund Moderate Plan	C: Aditya Birla Sun Life Retirement Fund-30s Plan	D: Union Retirement Fund
3-year stretches that made moneyOut of every 3-year stretch on record	100%	100%

Risk level

A: HDFC Retirement Fund Hybrid Equity PlanSee the fund house's risk level
B: Tata Retirement Savings Fund Moderate PlanSee the fund house's risk level
C: Aditya Birla Sun Life Retirement Fund-30s PlanSee the fund house's risk level
D: Union Retirement FundSee the fund house's risk level

Often used for

What funds of this type are usually for

A: HDFC Retirement Fund Hybrid Equity PlanRetirement savings. Each investment is locked for 5 years, or until retirement if sooner.
B: Tata Retirement Savings Fund Moderate PlanRetirement savings. Each investment is locked for 5 years, or until retirement if sooner.
C: Aditya Birla Sun Life Retirement Fund-30s PlanRetirement savings. Each investment is locked for 5 years, or until retirement if sooner.
D: Union Retirement FundRetirement savings. Each investment is locked for 5 years, or until retirement if sooner.

Smallest SIP

The basics
	A: HDFC Retirement Fund Hybrid Equity Plan	B: Tata Retirement Savings Fund Moderate Plan	C: Aditya Birla Sun Life Retirement Fund-30s Plan	D: Union Retirement Fund
Risk level	See the fund house's risk level	See the fund house's risk level

Return in each calendar year.

Year by year
	A: HDFC Retirement Fund Hybrid Equity Plan	B: Tata Retirement Savings Fund Moderate Plan	C: Aditya Birla Sun Life Retirement Fund-30s Plan	D: Union Retirement Fund
2026 so far (total, not a yearly rate)	−8.6%	+0.2%	+6.2%Higher	−1.8%
2025	+5.4%	+1.0%	+8.4%Higher	+6.1%
2024	+14.0%	+19.5%Higher	+17.9%	+17.4%
2023	+24.9%	+25.3%	+21.3%	+30.1%Higher
2022	+4.8%Higher	−1.9%	+0.3%	Not enough history
2021	+24.6%Higher	+20.5%	+12.5%	Not enough history

Past performance may or may not be sustained in future and is not a guarantee of future returns.

Worst 3-year stretchA year, from the unluckiest start date	+0.1%May 2017 – May 2020	+0.7%May 2017 – May 2020	+6.1%Jun 2019 – Jun 2022	+11.6%Smaller fallSept 2023 – Sept 2026

Worst calendar yearThe year and its return	−0.5%in 2018	−3.6%in 2018	+0.3%in 2022	+6.1%Smaller fallin 2025

Ups and downsLast 3 years. Lower is steadier.	9.5%Steadier	12.4%	14.2%	14.3%

Typical 3-year returnThe middle of all 3-year stretches, a year	+14.8%	+14.1%	+13.3%	+16.5%Steadier

Often used forWhat funds of this type are usually for	Retirement savings. Each investment is locked for 5 years, or until retirement if sooner.	Retirement savings. Each investment is locked for 5 years, or until retirement if sooner.	Retirement savings. Each investment is locked for 5 years, or until retirement if sooner.	Retirement savings. Each investment is locked for 5 years, or until retirement if sooner.