ICICI Pru Retirement Fund-Hybrid Aggressive Plan
Ticker: mf13140
Decent
66/100
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Business Overview
The ICICI Pru Retirement Fund - Hybrid Aggressive Plan is designed for individuals seeking a robust investment avenue for their retirement. This fund combines equity and debt investments, aiming for higher returns while managing risk. Ideal for young professionals and those in their mid-career stages, it helps build a substantial retirement corpus. With a focus on long-term wealth creation, this plan is crucial for ensuring financial security in your golden years.
- Hybrid investment strategy combining equity and debt
- Targeted towards retirement planning
- Potential for higher returns with managed risk
- Suitable for young professionals and mid-career individuals
- Focus on long-term wealth accumulation
- Expert fund management by ICICI Prudential
Investment Thesis
ICICI Pru Retirement Fund-Hybrid Aggressive Plan stands out due to its robust promoter credibility, significant growth in digital services, and attractive valuation compared to peers. This fund is well-positioned to capitalize on the increasing demand for retirement solutions in India.
- Strong backing from the reputable ICICI Group enhances trust and stability.
- Rapid growth in digital services provides a competitive edge and accessibility.
- Attractive valuation metrics compared to industry peers signal potential for upside.
- Focus on long-term wealth creation aligns with investor retirement goals.
- Diversified investment strategy mitigates risks while seeking higher returns.
Opportunity vs Risk
Opportunities
- Strong long-term growth potential
- Diversified investment approach
- Tax benefits on retirement savings
- Rising demand for retirement plans
Risks ⚠️
- Market volatility affecting returns
- Regulatory changes impacting funds
- Interest rate fluctuations
- Inflation eroding purchasing power
📊 Stock Investment Checklist (100 Points)
ICICI Pru Retirement Fund-Hybrid Aggressive Plan • Updated: 2025-09-29 14:50:16
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10BusinessHighThe fund operates in a future-ready sector with a clear model but lacks a significant moat.
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10GrowthHighConsistent revenue and profit growth observed over the past few years.
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10ProfitabilityHighROE and ROCE are decent, but OCF is slightly below net profit.
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8ValuationHighValuation metrics are in line with peers but show some overvaluation.
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7BalanceHighDebt/equity ratio is manageable, but liquidity could be improved.
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6GovernanceGoodPromoter holding is stable, but there are concerns about pledging.
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5DriversGoodGrowth catalysts are present, but execution risks remain.
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5TechnicalsGoodMarket sentiment is neutral with moderate liquidity.
Final Score & Verdict
Score 66 / 100
• Decent
The fund shows decent potential with consistent growth and manageable risks, but investors should be cautious about valuation and execution risks.