Union Retirement Fund (IDCW) - Mutual Fund Analysis | Complete Fund Review with Performance, Portfolio, and Risk Analysis
Comprehensive analysis of Union Retirement Fund (IDCW) (43121) providing detailed insights into fund performance, portfolio holdings, risk metrics, expense ratios, and investment recommendations.
Union Retirement Fund (IDCW)
Union Trustee Company Pvt Ltd
The investment objective of the Scheme is to generate long term capital gains by investing in a mix of securities comprising of equity, equity related securities and debt instruments as per the asset allocation pattern of the Scheme with a view to provide a retirement investment solution to investors. However, there is no assurance that the Investment Objective of the Scheme will be achieved.
Fund Health Radar
A comprehensive at-a-glance view of key mutual fund health indicatorsHover or click any card to view detailed metrics
Performance
Weak Returns
Risk
High Risk
Expenses
High Expenses
Portfolio Mix
Equity Focused
Management
Established Team
Quality Score
Below Average
Union Retirement Fund (IDCW) - NAV History (1Y)
Showing 1Y NAV history
Performance across different time periods
Cautious Entry Point
Fund shows concerning indicators. Exercise caution before investing.
Consider waiting for better market conditions or explore alternatives.
Cautious Entry Point
Fund shows concerning indicators. Exercise caution before investing.
Consider waiting for better market conditions or explore alternatives.
Key Factors Analysis
Equity Exposure
Market exposure level
Long-term Track Record
Historical performance consistency
Alpha Generation
Outperformance vs benchmark
1-Year Returns
Recent performance momentum
Management Stability
Fund manager experience
Risk Assessment
Risk-adjusted returns
Fund Size
Assets under management
Cost Efficiency
Fund management costs
Investment Timing Insights
3Y Performance Comparison
This fund has underperformed its benchmark by 7.04% over the 3Y period.
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Disclaimer: Returns are illustrative and based on assumed rates. Mutual fund investments are subject to market risk. Please read scheme documents carefully.
Risk Metrics (3 Years)
Risk Level
| Company | Sector | % Assets |
|---|---|---|
| HDFC Bank Ltd | Banks | 7.95% |
| ICICI Bank Ltd | Banks | 6.62% |
| Reliance Industries Ltd | Refineries | 3.38% |
| TREPS | Debt Others | 2.98% |
| Infosys Ltd | IT - Software | 2.95% |
| Bharti Airtel Ltd | Telecom-Service | 2.73% |
| Larsen & Toubro Ltd | Infrastructure Developers & Operators | 2.64% |
| Tata Consumer Products Ltd | Plantation & Plantation Products | 2.27% |
| Bharat Electronics Ltd | Aerospace & Defence | 1.90% |
| J K Cements Ltd | Cement | 1.86% |
Sector Breakdown
Compare against Retirement Fund category average
Performance Summary
This comparison shows how the fund performs relative to the Retirement Fund category average. Positive values indicate outperformance, while negative values show underperformance.
Compare with similar funds in Retirement Fund category
Union Retirement Fund (IDCW) vs Category Average
Similar Funds Comparison
| Fund Name | NAV | 3M | 6M | 1Y |
|---|---|---|---|---|
| Franklin India Retirement Fund - Direct (G) | ₹243.06 | 0.57% | 7.42% | 3.52% |
| Franklin India Retirement Fund (G) | ₹221.35 | 0.37% | 7.00% | 2.72% |
| Tata Retirement Savings Fund - Progressiv-Dir (G) | ₹80.24 | 0.15% | 16.98% | -1.88% |
| Tata Retirement Savings Fund - Moderate-Dir (G) | ₹77.87 | 0.61% | 15.25% | 0.53% |
| Tata Retirement Savings Fund - Progressive (G) | ₹65.84 | -0.22% | 16.12% | -3.31% |
| Tata Retirement Savings Fund - Moderate (G) | ₹65.16 | 0.26% | 14.44% | -0.87% |
| HDFC Retirement Savings Fund - Equity - Dir (G) | ₹58.30 | 0.88% | 14.04% | -1.91% |
| UTI-Retirement Fund - Direct | ₹54.17 | -0.51% | 7.08% | 2.55% |
| HDFC Retirement Savings Fund - Equity (G) | ₹51.35 | 0.62% | 13.47% | -2.90% |
| UTI-Retirement Fund - Regular | ₹50.12 | -0.67% | 6.75% | 1.91% |
Category Average Returns
Pratik Dharmshi
A seasoned investment professional with over 3 years of experience in equity research and fund management. Known for consistent performance and a disciplined investment approach focused on quality growth stocks.