Compare mutual funds | Krystal Capitals

How much it grew
	A: HDFC Retirement Fund Hybrid Equity Plan	B: Tata Retirement Savings Fund Moderate Plan	C: ICICI Prudential Retirement Fund Hybrid Aggressive Plan	D: ICICI Prudential Retirement Fund Pure Equity Plan
3-year returnA year, on averageMiddle return of funds of this type we offer: +7.5% a year	+5.8%	+9.5%	+14.6%	+16.8%Higher
1-year returnTotal over the last year	−7.7%	−0.1%	−0.2%	−0.1%
5-year returnA year, on average	+7.0%	+7.4%	+12.2%	+16.0%Higher
Since launchA year, on average, with at least a year of history	+12.8%from Feb 2016	+13.3%from Nov 2011	+13.8%from Feb 2019	+17.2%Higherfrom Feb 2019

How it held up in falls

Worst fall

Biggest drop from a high, and when

A: HDFC Retirement Fund Hybrid Equity Plan−27.7%Smaller fall
Jan 2020 – Mar 2020
B: Tata Retirement Savings Fund Moderate Plan−29.7%
Feb 2020 – Mar 2020
C: ICICI Prudential Retirement Fund Hybrid Aggressive Plan−28.9%
Jan 2020 – Mar 2020
D: ICICI Prudential Retirement Fund Pure Equity Plan−37.4%
Jan 2020 – Mar 2020

How it held up in falls
	A: HDFC Retirement Fund Hybrid Equity Plan	B: Tata Retirement Savings Fund Moderate Plan	C: ICICI Prudential Retirement Fund Hybrid Aggressive Plan	D: ICICI Prudential Retirement Fund Pure Equity Plan
Worst fallBiggest drop from a high, and when	−27.7%Smaller fall

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: ICICI Prudential Retirement Fund Hybrid Aggressive Plan	D: ICICI Prudential Retirement Fund Pure Equity Plan
3-year stretches that made moneyOut of every 3-year stretch on record	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: ICICI Prudential Retirement Fund Hybrid Aggressive PlanSee the fund house's risk level
D: ICICI Prudential Retirement Fund Pure Equity PlanSee 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: ICICI Prudential Retirement Fund Hybrid Aggressive PlanRetirement savings. Each investment is locked for 5 years, or until retirement if sooner.
D: ICICI Prudential Retirement Fund Pure Equity PlanRetirement 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: ICICI Prudential Retirement Fund Hybrid Aggressive Plan	D: ICICI Prudential Retirement Fund Pure Equity Plan
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: ICICI Prudential Retirement Fund Hybrid Aggressive Plan	D: ICICI Prudential Retirement Fund Pure Equity Plan
2026 so far (total, not a yearly rate)	−8.6%	+0.2%Higher	−2.0%	−1.5%
2025	+5.4%	+1.0%	+12.6%	+14.0%Higher
2024	+14.0%	+19.5%	+20.9%	+23.4%Higher
2023	+24.9%	+25.3%	+31.7%	+38.1%Higher
2022	+4.8%Higher	−1.9%	+0.5%	+2.1%
2021	+24.6%	+20.5%	+26.5%	+47.3%Higher

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	+9.5%Jun 2019 – Jun 2022	+14.4%Smaller fallJun 2019 – Jun 2022

Worst calendar yearThe year and its return	−0.5%in 2018	−3.6%in 2018	+0.5%in 2022	+2.1%Smaller fallin 2022

Ups and downsLast 3 years. Lower is steadier.	9.5%Steadier	12.4%	13.7%	16.2%

Typical 3-year returnThe middle of all 3-year stretches, a year	+14.8%	+14.1%	+18.9%	+24.1%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.