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Retirement and children's funds

29 funds match this screen, ranked on 5-year return. Which goal-based funds have the best long-term record?

Criteria: Retirement and children's funds, ranked on 5-year return.

These carry lock-ins of five years or until a stated goal, so they are judged over the horizon they actually impose. Check the equity/debt split before the returns — funds in this group range from near-all-equity to conservative hybrids, and the returns are not comparable across that range.

Retirement and children's funds, ranked by 5-year return

#
1SBI Children's Fund - Investment Plan - Direct Plan - GrowthGoldChildren's Fund+19.75%+24.42%100%-15.7%+21.19%₹7,765 Cr1.12%
2ICICI Prudential Retirement Fund - Pure Equity - Direct Plan - Growth OptionGoldRetirement Fund+18.42%+25.60%100%-37.2%+20.01%₹2,158 Cr0.89%
3ICICI Prudential Retirement Fund - Hybrid Aggressive - Direct Plan - Growth OptionPlatinumRetirement Fund+14.68%+20.70%96%-28.7%+17.75%₹1,321 Cr1.21%
4Aditya Birla Sun Life Retirement Fund-The 30s Plan-Direct GrowthPlatinumRetirement Fund+11.89%+14.91%69%-34.2%+16.25%₹487 Cr1.35%
5HDFC Retirement Savings Fund - Equity Plan - Growth Option - Direct PlanRetirement Fund+11.62%+19.52%72%-34.9%+9.10%₹7,014 Cr0.92%
6ICICI Prudential Children's Fund - Direct PlanChildren's Fund+11.32%+14.13%53%-31.1%+12.64%₹1,436 Cr2.32%
7SBI Retirement Benefit Fund - Aggressive Plan - Direct Plan - GrowthBronzeRetirement Fund+10.90%+15.22%80%-17.9%+8.81%₹3,242 Cr1.13%
8SBI Retirement Benefit Fund - Aggressive Hybrid Plan - Direct Plan - GrowthGoldRetirement Fund+10.84%+14.38%75%-14.5%+9.66%₹1,672 Cr1.22%
9SBI Children's Fund - Savings Plan - DIRECT PLAN - GROWTHPlatinumChildren's Fund+10.78%+12.73%39%-14.4%+11.72%₹149 Cr0.91%
10Nippon India Retirement Fund- Wealth Creation Scheme- Direct Plan- Growth Plan - Growth OptionRetirement Fund+10.34%+13.08%51%-44.9%+10.68%₹3,127 Cr1.26%
11Tata Retirement Savings Fund- Progressive Plan -Direct Plan-Growth OptionGoldRetirement Fund+10.17%+16.79%80%-34.2%+13.08%₹2,255 Cr0.84%
12Tata Retirement Savings Fund- Moderate Plan -Direct Plan-Growth OptionGoldRetirement Fund+10.16%+15.46%75%-29.6%+12.34%₹2,251 Cr0.84%
13HDFC Childrens Fund - Direct PlanBronzeChildren's Fund+10.10%+15.63%67%-28.9%+8.87%₹10,658 Cr1.04%
14ADITYA BIRLA SUN LIFE BAL BHAVISHYA YOJNA DIRECT GROWTHSilverChildren's Fund+9.33%+14.18%59%-33.9%+10.88%₹1,266 Cr1.14%
15Aditya Birla Sun Life Retirement Fund-The 40s Plan-Direct Plan-GrowthRetirement Fund+8.83%+12.77%47%-27.3%+10.90%₹116 Cr1.18%
16HDFC Retirement Savings Fund - Hybrid-Equity Plan - Growth Option - Direct PlanRetirement Fund+8.76%+15.83%69%-27.5%+7.25%₹1,630 Cr1.10%
17UTI Retirement Fund- Direct PlanRetirement Fund+8.66%+10.52%23%-18.9%+8.70%₹4,699 Cr1.16%
18Axis Retirement Fund - Dynamic Plan - Direct GrowthRetirement Fund+7.74%+14.23%73%-17.1%+11.71%₹285 Cr1.35%
19SBI Retirement Benefit Fund - Conservative Hybrid Plan - Direct Plan - GrowthRetirement Fund+7.67%+10.45%4%-6.9%+6.97%₹255 Cr1.24%
20Franklin India Retirement Fund - Direct - GrowthRetirement Fund+6.96%+9.66%16%-13.8%+7.52%₹493 Cr1.55%
21HDFC Retirement Savings Fund - Hybrid-Debt Plan - Growth Option - Direct PlanBronzeRetirement Fund+6.93%+9.36%0%-7.8%+6.60%₹148 Cr1.35%
22SBI Retirement Benefit Fund - Conservative Plan - Direct Plan - GrowthBronzeRetirement Fund+6.88%+8.92%0%-4.5%+6.55%₹140 Cr0.98%
23Axis Retirement Fund - Aggressive Plan - Direct GrowthRetirement Fund+6.64%+13.02%53%-25.9%+10.79%₹706 Cr1.25%
24Tata Retirement Savings Fund- Conservative Plan-Direct Plan-Growth OptionSilverRetirement Fund+6.57%+9.22%13%-11.0%+7.77%₹171 Cr1.06%
25UTI Children's Equity Fund - Direct Plan - Growth OptionChildren's Fund+6.14%+14.20%58%-35.2%+7.05%₹1,133 Cr1.37%
26UTI Children's Hybrid Fund - Direct PlanChildren's Fund+6.13%+9.49%5%-18.7%+6.28%₹4,422 Cr1.48%
27Nippon India Retirement Fund- Income Generation Scheme- Direct Plan- Growth Plan - Growth OptionRetirement Fund+6.03%+8.13%0%-7.4%+6.41%₹143 Cr0.98%
28Axis Children's Fund - Lock in - Direct GrowthChildren's Fund+5.76%+11.25%25%-27.1%+8.47%₹907 Cr1.49%
29Union Retirement Fund - Direct Plan - Growth OptionSilverRetirement Fund—+17.98%98%-17.8%+13.06%₹216 Cr1.37%

Badges are our own quality tiers — Platinum (top 10%), Gold (25%), Silver (50%), Bronze (75%) — scored within each sub-category, so they compare a fund with its peers and not with funds of a different type. “3Y typical” is the median annualised return across every 3-year holding period the fund has lived through, not a single 3-year figure; “3Y loss odds” is the share of those periods that ended down. “Beat peers” is the share in which it beat its category's median, and “worst fall” is its deepest peak-to-trough drop. Open a fund for the full distribution. Click any column heading to re-sort — including the fund name, which groups a house’s funds together. Funds with no value for a column sort last. Returns over 1 year are annualised (CAGR). Past performance does not indicate future returns. Eligibility: Direct plan, Growth option. Wound-up, suspended and distributing (IDCW/payout) variants are excluded. Distributing funds are matched by NAME as well as by option, because the option field is wrong on around 100 schemes.