Union Retirement Fund Option is a below-average performer in its category with a BullWiser Honest Score of 5.5/10 — above the Solution Oriented Scheme - Retirement Fund category median of 5.0/10 across 30 funds. Its 3-year CAGR of 17.3% outperforms the Solution Oriented Scheme - Retirement Fund category average of 11.8% by +5.5 percentage points. As a Direct plan, Union Retirement Fund Option eliminates the distributor commission built into Regular plans, maximising the net return to the investor.
Fund Details
Fund Name
Union Retirement Fund Option
Plan Type
Direct · Growth
Expense Ratio
--
Verdict
🟠 Below Avg
1Y Return
7.2%
3Y CAGR
17.3%
vs Category Average — Solution Oriented Scheme - Retirement Fund
3Y CAGR
This fund+5.5% vs category avg
Expense Ratio (lower is better)
TER data not available
Honest Score
This fund+0.5 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 Union Retirement Fund Option?
Union Retirement Fund Option has a BullWiser Honest Score of 5.5/10 (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 Union Retirement Fund Option?
The Total Expense Ratio (TER) of Union Retirement Fund Option 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 Union Retirement Fund Option?
Union Retirement Fund Option has delivered 7.2% 1-year returns and
17.3% 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 Union Retirement Fund Option a good investment?
BullWiser rates Union Retirement Fund Option as BELOW AVERAGE (Honest Score 5.5/10).
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 Union Retirement Fund Option?
The Direct plan of Union Retirement Fund Option 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.