Tuesday, November 29, 2022
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UTI Pension Fund Scheme E

We overview the efficiency consistency of UTI Pension Fund Scheme E – NPS TIER I measured in opposition to Nifty 50 TRI and UTI Nifty 50 TRI. The scheme was launched in Might 2009 and presently has an AUM of about Rs. 1,423 crores, a lot decrease than the corresponding AUM of HDFC and SBI fairness schemes reviewed earlier.

In a earlier article, we listed the funding coverage of NPS fairness schemes, which behave like actively managed giant and mid cap funds: Is the NPS Fairness Scheme an index fund?

Due to this fact it’s proper to find out how typically these funds outperform their benchmarks (BSE 100 or BSE 200). The Nifty 50 is an equal accessible benchmark.

Earlier opinions

Disclaimer: Fund efficiency reviews current return and danger evaluation of a fund with consultant benchmarks and never funding suggestions. It have to be expressly understood that the information beneath mirror solely previous efficiency and is by no means a sign of future efficiency.

We will use the Rolling return outperformance consistency to gauge efficiency. The fund returns are in contrast with class benchmark returns over each attainable 1Y,2Y,3Y,4Y, and 5Y interval. Increased the outperformance consistency, the higher. Suppose 876 fund returns have been in contrast with 876 benchmark returns, and the fund has overwhelmed the benchmark 675 occasions. The consistency rating will likely be 675/876 ~ 77%. All information are as of twenty ninth August 2022.

UTI Pension Fund Scheme E – NPS TIER I vs Nifty 50 TRI & UTI Nifty 50 TRI

One 12 months

MetricUTI Nifty 50Nifty 50 TRI
No of rolling return entries Index (1 Yr)34243607
No of rolling return entries Fund (1 12 months)34243607
No of occasions fund has outperformed the index (1 12 months)22521190
rolling return outperformance Consistency Rating (1 12 months)66%33%

Two years

MetricUTI Nifty 50Nifty 50 TRI
No of rolling return entries Index (2 Years)26373065
No of rolling return entries Fund (2 years)26373065
No of occasions the fund has outperformed the index (2 years)17051213
rolling return outperformance Consistency Rating (2 years)65%40%

Three years

MetricUTI Nifty 50Nifty 50 TRI
No of rolling return entries Index (3 Years)18222535
No of rolling return entries Fund (3 years)18222535
No of occasions the fund has outperformed the index (3 years)9101028
rolling return outperformance Consistency Rating (3 years)50%41%

4 years

MetricUTI Nifty 50Nifty 50 TRI
No of rolling return entries Index (4 Years)14282291
No of rolling return entries Fund (4 years)14282291
No of occasions the fund has outperformed the index (4 years)5541005
rolling return outperformance Consistency Rating (4 years)39%44%

5 years

MetricUTI Nifty 50Nifty 50 TRI
No of rolling return entries Index (5 Years)11822044
No of rolling return entries Fund (5 years)11822044
No of occasions the fund has outperformed the index (5 years)376907
rolling return outperformance Consistency Rating (5 years)32%44%

Sadly, that could be a poor efficiency vs Nifty 50 for a non-index that desires to “maximise returns”. Given the constraints of the NPS, we should admire that that is nearly nearly as good because it will get for NPS schemes!

Relating to efficiency versus UTI Nifty 50, HDFC T1 E > SBI T1 E > UTI T1 E (see hyperlinks above). That, in fact, doesn’t make a pension fund with necessary lock-in and annuity restrictions a greater purchase than UTI Nifty 50 Index fund!

We suggest avoiding fairness (scheme E) in your NPS portfolio! Except your employer contributes to the NPS  and you’ve got a everlasting job, it makes little sense to put money into the NPS. See: Avoid Company NPS if You Want to Retire ASAP!

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