Aditya Birla Sun Life Retirement Fund-The 40s Plan-Direct Plan-Growth is a below-average performer in its category with a BullWiser Honest Score of 5.4/10 — above the Solution Oriented Scheme - Retirement Fund category median of 5.0/10 across 30 funds. Its 3-year CAGR of 14.3% outperforms the Solution Oriented Scheme - Retirement Fund category average of 11.8% by +2.5 percentage points. As a Direct plan, Aditya Birla Sun Life Retirement Fund-The 40s Plan-Direct Plan-Growth eliminates the distributor commission built into Regular plans, maximising the net return to the investor.
Fund Details
Fund Name
Aditya Birla Sun Life Retirement Fund-The 40s Plan-Direct Plan-Growth
Plan Type
Direct · Growth
Expense Ratio
--
Verdict
🟠 Below Avg
1Y Return
3.5%
3Y CAGR
14.3%
vs Category Average — Solution Oriented Scheme - Retirement Fund
3Y CAGR
This fund+2.5% vs category avg
Expense Ratio (lower is better)
TER data not available
Honest Score
This fund+0.4 vs category avg
Category: Solution Oriented Scheme - Retirement Fund · 30 Direct-plan funds compared · 0% are High Quality
Frequently Asked Questions
What is the BullWiser Honest Score of Aditya Birla Sun Life Retirement Fund-The 40s Plan-Direct Plan-Growth?
Aditya Birla Sun Life Retirement Fund-The 40s Plan-Direct Plan-Growth has a BullWiser Honest Score of 5.4/10 (BELOW AVERAGE).
The score rates the fund across four pillars: returns quality, expense ratio, risk-adjusted performance (Sharpe ratio & max drawdown), and overall fund quality (AUM, age, consistency).
What is the expense ratio of Aditya Birla Sun Life Retirement Fund-The 40s Plan-Direct Plan-Growth?
The Total Expense Ratio (TER) of Aditya Birla Sun Life Retirement Fund-The 40s Plan-Direct Plan-Growth Direct Plan is --.
Choosing the Direct plan saves you the distributor commission baked into Regular plans — typically 0.5–1% per year — which compounds significantly over time.
What are the returns of Aditya Birla Sun Life Retirement Fund-The 40s Plan-Direct Plan-Growth?
Aditya Birla Sun Life Retirement Fund-The 40s Plan-Direct Plan-Growth has delivered 3.5% 1-year returns and
14.3% 3-year CAGR. For a full NAV history and comparison with category peers,
use BullWiser's MF Analyser.
Past performance is not a guarantee of future returns.
Is Aditya Birla Sun Life Retirement Fund-The 40s Plan-Direct Plan-Growth a good investment?
BullWiser rates Aditya Birla Sun Life Retirement Fund-The 40s Plan-Direct Plan-Growth as BELOW AVERAGE (Honest Score 5.4/10).
Always match a fund to your own risk profile and investment horizon.
Use the MF Analyser to compare it with peers in the Solution Oriented Scheme - Retirement Fund category.
How does Direct Plan differ from Regular Plan for Aditya Birla Sun Life Retirement Fund-The 40s Plan-Direct Plan-Growth?
The Direct plan of Aditya Birla Sun Life Retirement Fund-The 40s Plan-Direct Plan-Growth has a lower expense ratio than the Regular plan because no distributor commission is paid.
On a ₹10 lakh investment over 20 years, even a 0.5% lower TER can save ₹5–10 lakh in compounded wealth.
BullWiser always recommends Direct plans for cost-conscious investors.
See Full Analysis on BullWiser
NAV chart, holdings, Direct vs Regular savings, Sharpe ratio, and personalised comparison — all free.
Open in MF Analyser →Browse Solution Oriented Scheme - Retirement Fund Funds
⚠️ Disclaimer: BullWiser is an independent analysis platform, not a SEBI-registered investment advisor.
Honest Scores and verdicts are algorithmic assessments based on publicly available data.
They are not buy/sell recommendations. Please consult a financial advisor before investing.
Mutual fund investments are subject to market risks. Read all scheme-related documents carefully.