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SBI Pension Fund Scheme G - Tier I
09Allocations
Asset Allocation
| CAGR of | 1 year | 3 year | 5 year | 7 year | Since Inception |
|---|---|---|---|---|---|
| This Fund | 5.12% | 8.05% | 5.80% | 7.81% | 5.91% |
Strengths
YTM
Potential for higher returns as the fund maintains a high Yield to Maturity (YTM).
Modified Duration (MD)
A low modified duration indicates less sensitivity to interest-rate changes, suggesting lower risk for the fund.
Expense Ratio
The Expense Ratio for the fund is 0.05%, which is lower than the category average of 0.08%.
Weaknesses
Standard Deviation
A high standard deviation means the fund is volatile with higher risk.
Historical Returns
Historically the fund has generated low returns.
Diversification
Over-reliance on long-duration securities may increase interest-rate sensitivity.
Who Should Invest?
Investors with a low-risk tolerance who prioritize stability over high returns might consider this fund. It's suitable for those who are comfortable with a low risk and are seeking a relatively stable investment option.
Who Should Avoid?
Investors seeking high returns or aggressive growth should avoid this fund.
Investment Strategy
SBI Pension Fund scheme G adopts a conservative and stable investment strategy, primarily focused on capital preservation and long-term wealth accumulation for retirement. The scheme predominantly invests in high-quality government securities, ensuring minimal credit risk while providing consistent returns. With a strong emphasis on safety, liquidity, and compliance with regulatory norms, the portfolio is structured to deliver steady growth through investments in central and state government bonds, treasury bills, and other sovereign-backed instruments.
About SBI pension Fund
Incorporated in December 2007, SBI Pension Funds Private Limited (SBIPFPL) commenced operations in April 2008 with the management of National Pension System (NPS) funds for Central Government employees. Since then, it has steadily expanded its mandate to include State Governments, Public Sector Undertakings (PSUs), Central Public Sector Enterprises (CPSEs), private corporations, and individual citizens. SBIPFPL is one of only two Pension Fund Managers entrusted with overseeing all NPS schemes since their inception. In February 2019, the company was awarded a Point of Presence (PoP) licence, authorising it to market and distribute NPS products—a facility extended exclusively to existing Pension Fund Managers. SBIPFPL is sponsored by State Bank of India, which holds an 80% stake, and SBI Funds Management Limited (SBI Mutual Fund), which holds the remaining 20%. As a responsible and trusted fund manager, the company is dedicated to safeguarding and enhancing the retirement savings of NPS subscribers. It regularly conducts subscriber engagement sessions to provide updates on scheme performance, educate on investment options, and offer informed guidance tailored to subscribers’ needs.
- FOUNDED IN2009
- CEOMr. Pranay Ranjan Dwivedi
- Fund House AUM570087 Cr
Disclaimer
1 Finance Private Limited operates independently. The information presented herein is intended solely for educational and informational purposes and should not be construed as financial advice. Before making any financial decisions, it's essential to undertake your own thorough research and analysis. If you're uncertain about any financial matters, we strongly recommend seeking guidance from a qualified financial advisor.
09Allocations
Asset Allocation
| CAGR of | 1 year | 3 year | 5 year | 7 year | Since Inc. |
|---|---|---|---|---|---|
| This Fund | 5.12% | 8.05% | 5.80% | 7.81% | 5.91% |
Strengths
YTM
Potential for higher returns as the fund maintains a high Yield to Maturity (YTM).
Modified Duration (MD)
A low modified duration indicates less sensitivity to interest-rate changes, suggesting lower risk for the fund.
Expense Ratio
The Expense Ratio for the fund is 0.05%, which is lower than the category average of 0.08%.
Weaknesses
Standard Deviation
A high standard deviation means the fund is volatile with higher risk.
Historical Returns
Historically the fund has generated low returns.
Diversification
Over-reliance on long-duration securities may increase interest-rate sensitivity.
Who Should Invest?
Investors with a low-risk tolerance who prioritize stability over high returns might consider this fund. It's suitable for those who are comfortable with a low risk and are seeking a relatively stable investment option.
Who Should Avoid?
Investors seeking high returns or aggressive growth should avoid this fund.
Investment Strategy
SBI Pension Fund scheme G adopts a conservative and stable investment strategy, primarily focused on capital preservation and long-term wealth accumulation for retirement. The scheme predominantly invests in high-quality government securities, ensuring minimal credit risk while providing consistent returns. With a strong emphasis on safety, liquidity, and compliance with regulatory norms, the portfolio is structured to deliver steady growth through investments in central and state government bonds, treasury bills, and other sovereign-backed instruments.
About SBI pension Fund
Incorporated in December 2007, SBI Pension Funds Private Limited (SBIPFPL) commenced operations in April 2008 with the management of National Pension System (NPS) funds for Central Government employees. Since then, it has steadily expanded its mandate to include State Governments, Public Sector Undertakings (PSUs), Central Public Sector Enterprises (CPSEs), private corporations, and individual citizens. SBIPFPL is one of only two Pension Fund Managers entrusted with overseeing all NPS schemes since their inception. In February 2019, the company was awarded a Point of Presence (PoP) licence, authorising it to market and distribute NPS products—a facility extended exclusively to existing Pension Fund Managers. SBIPFPL is sponsored by State Bank of India, which holds an 80% stake, and SBI Funds Management Limited (SBI Mutual Fund), which holds the remaining 20%. As a responsible and trusted fund manager, the company is dedicated to safeguarding and enhancing the retirement savings of NPS subscribers. It regularly conducts subscriber engagement sessions to provide updates on scheme performance, educate on investment options, and offer informed guidance tailored to subscribers’ needs.
- FOUNDED IN2009
- CEOMr. Pranay Ranjan Dwivedi
- Fund House AUM570087 Cr
Disclaimer
1 Finance Private Limited operates independently. The information presented herein is intended solely for educational and informational purposes and should not be construed as financial advice. Before making any financial decisions, it's essential to undertake your own thorough research and analysis. If you're uncertain about any financial matters, we strongly recommend seeking guidance from a qualified financial advisor.