Compare mutual funds | Krystal Capitals

How much it grew
	A: ICICI Prudential Retirement Fund Hybrid Conservative Plan	B: Tata Retirement Savings Fund Moderate Plan	C: Union Retirement Fund	D: Tata Retirement Savings Fund Progressive Plan
3-year returnA year, on averageMiddle return of funds of this type we offer: +7.5% a year	+8.0%	+9.5%	+10.2%Higher	+10.0%
1-year returnTotal over the last year	+1.6%Higher	−0.1%	−1.1%	−0.3%
5-year returnA year, on average	+7.1%	+7.4%Higher	Not enough history	+7.3%
Since launchA year, on average, with at least a year of history	+8.0%from Feb 2019	+13.3%from Nov 2011	+13.2%from Sept 2022	+13.4%Higherfrom Nov 2011

How it held up in falls

Worst fall

Biggest drop from a high, and when

A: ICICI Prudential Retirement Fund Hybrid Conservative Plan−10.3%Smaller fall
Feb 2020 – Mar 2020
B: Tata Retirement Savings Fund Moderate Plan−29.7%
Feb 2020 – Mar 2020
C: Union Retirement Fund−18.2%
Sept 2024 – Feb 2025
D: Tata Retirement Savings Fund Progressive Plan−34.3%
Feb 2020 – Mar 2020

How it held up in falls
	A: ICICI Prudential Retirement Fund Hybrid Conservative Plan	B: Tata Retirement Savings Fund Moderate Plan	C: Union Retirement Fund	D: Tata Retirement Savings Fund Progressive Plan
Worst fallBiggest drop from a high, and when	−10.3%Smaller fallFeb 2020 – Mar 2020

3-year stretches that made money

Out of every 3-year stretch on record

How steady it was
	A: ICICI Prudential Retirement Fund Hybrid Conservative Plan	B: Tata Retirement Savings Fund Moderate Plan	C: Union Retirement Fund	D: Tata Retirement Savings Fund Progressive Plan
3-year stretches that made moneyOut of every 3-year stretch on record	100%	100%

Risk level

A: ICICI Prudential Retirement Fund Hybrid Conservative PlanSee the fund house's risk level
B: Tata Retirement Savings Fund Moderate PlanSee the fund house's risk level
C: Union Retirement FundSee the fund house's risk level
D: Tata Retirement Savings Fund Progressive PlanSee the fund house's risk level

Often used for

What funds of this type are usually for

A: ICICI Prudential Retirement Fund Hybrid Conservative 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: Union Retirement FundRetirement savings. Each investment is locked for 5 years, or until retirement if sooner.
D: Tata Retirement Savings Fund Progressive PlanRetirement savings. Each investment is locked for 5 years, or until retirement if sooner.

Smallest SIP

The basics
	A: ICICI Prudential Retirement Fund Hybrid Conservative Plan	B: Tata Retirement Savings Fund Moderate Plan	C: Union Retirement Fund	D: Tata Retirement Savings Fund Progressive 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: ICICI Prudential Retirement Fund Hybrid Conservative Plan	B: Tata Retirement Savings Fund Moderate Plan	C: Union Retirement Fund	D: Tata Retirement Savings Fund Progressive Plan
2026 so far (total, not a yearly rate)	+0.1%	+0.2%	−1.8%	+0.3%Higher
2025	+8.9%Higher	+1.0%	+6.1%	−1.2%
2024	+9.9%	+19.5%	+17.4%	+21.7%Higher
2023	+15.0%	+25.3%	+30.1%Higher	+29.0%
2022	+1.8%Higher	−1.9%	Not enough history	−3.9%
2021	+7.1%	+20.5%	Not enough history	+23.3%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	+5.7%Feb 2020 – Feb 2023	+0.7%May 2017 – May 2020	+11.6%Smaller fallSept 2023 – Sept 2026	+0.3%May 2017 – May 2020

Worst calendar yearThe year and its return	+1.8%in 2022	−3.6%in 2018	+6.1%Smaller fallin 2025	−6.1%in 2018

Ups and downsLast 3 years. Lower is steadier.	4.6%Steadier	12.4%	14.3%	14.5%

Typical 3-year returnThe middle of all 3-year stretches, a year	+8.4%	+14.1%	+16.5%Steadier	+15.2%

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.