Tata Retirement Savings Fund Moderate Plan

Ans.

Ans. The Tata Retirement Savings Fund Moderate Plan has an AUM of ₹1887.73 Cr as on 5/6/2026. The scheme has delivered CAGR returns for the past 3 years against a category average of 13.96%. The risk is Very High against the category average of 47.99.

Ans.

For Solution Oriented Retirement Plans there are 3 cases:
• Equity Plans: Equity allocation more than 80%
• Hybrid Equity Plan: Equity allocation is between 65-80%%
• Hybrid Debt Plan: Equity Allocation is between 5-30%

For the first two cases, equity capital gains are taxed at 12.5% for LTCG on gains exceeding ₹1.25 lakh and 20% for STCG.

For the last case, capital gains are taxed as per the debt capital gains structure, applicable at the individual's tax slab rate.

Ans. There is no lock-in period applicable on Tata Retirement Savings Fund Moderate Plan.

Ans. The expense ratio of Tata Retirement Savings Fund Moderate Plan is 2.06%.