Aditya Birla Sun Life Retirement Fund-The 40s Plan vs Nippon India Retirement Fund- Wealth Creation Scheme
Retirement Fund · Direct Plan – Growth · Compared on official AMFI NAV data · NAVs as of 13-Jul-2026
| Metric | Aditya Birla Sun Life Retirement Fund-The 40s Plan | Nippon India Retirement Fund- Wealth Creation Scheme |
|---|---|---|
| Latest NAV | ₹21.46 | ₹32.93 |
| 1-Year Return | +3.01% | +1.04% |
| 3-Year Return (CAGR) | +14.21% | +15.85% |
| 5-Year Return (CAGR) | N/A | N/A |
| Volatility (1Y, annualised) | 10.4% | 14.1% |
| Max Drawdown | −11.1% | −18.3% |
| Fund House | Aditya Birla Sun Life Mutual Fund | Nippon India Mutual Fund |
Growth of ₹10,000
If you had invested ₹10,000 in each fund
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Aditya Birla Sun Life Retirement Fund-The 40s Plan vs Nippon India Retirement Fund- Wealth Creation Scheme: which is better?
Aditya Birla Sun Life Retirement Fund-The 40s Plan and Nippon India Retirement Fund- Wealth Creation Scheme are both retirement fund mutual funds (direct plan, growth option). This comparison uses each fund's official AMFI NAV history — the same daily data the fund houses publish — to compare returns, volatility and drawdowns side by side.
On 3-year returns (annualised), Nippon India Retirement Fund- Wealth Creation Scheme leads with +15.85% against +14.21% — a gap of about 1.63 percentage points per year over that period.
Aditya Birla Sun Life Retirement Fund-The 40s Plan has been the steadier fund over the past year, with annualised volatility of 10.4% versus 14.1%. Looking at worst falls, Aditya Birla Sun Life Retirement Fund-The 40s Plan's deepest drawdown in the stored history is −11.1% against −18.3% for Nippon India Retirement Fund- Wealth Creation Scheme.
Which fund suits you depends on your horizon and appetite for swings: the higher-return fund is only the better pick if you can hold through its rougher months. Use the ₹10,000 growth chart above to see how each fund actually behaved through market cycles, and consider consulting a SEBI-registered adviser before investing. This comparison is informational, not investment advice.
Key takeaways
- Nippon India Retirement Fund- Wealth Creation Scheme has delivered higher 3-year returns (+15.85% vs +14.21%).
- Aditya Birla Sun Life Retirement Fund-The 40s Plan has shown lower volatility over the trailing year.
- Aditya Birla Sun Life Retirement Fund-The 40s Plan has had the shallower maximum drawdown (−11.1%).
Frequently Asked Questions
Which fund has given higher returns — Aditya Birla Sun Life Retirement Fund-The 40s Plan or Nippon India Retirement Fund- Wealth Creation Scheme?
Over the past 3 year period, Nippon India Retirement Fund- Wealth Creation Scheme has delivered higher returns: +15.85% versus +14.21% annualised. Past performance does not guarantee future results.
Which fund is less risky — Aditya Birla Sun Life Retirement Fund-The 40s Plan or Nippon India Retirement Fund- Wealth Creation Scheme?
Based on the trailing year, Aditya Birla Sun Life Retirement Fund-The 40s Plan has shown lower day-to-day volatility (Aditya Birla Sun Life Retirement Fund-The 40s Plan: 10.4%, Nippon India Retirement Fund- Wealth Creation Scheme: 14.1% annualised). Volatility and drawdowns describe past behaviour, not future safety — both funds carry the market risk of their category.
Can I invest in both Aditya Birla Sun Life Retirement Fund-The 40s Plan and Nippon India Retirement Fund- Wealth Creation Scheme?
Yes — many investors split a SIP across two funds. If both funds are from the same category, remember they will hold overlapping stocks, so diversification benefits may be smaller than they appear. Check each scheme's portfolio before doubling up within one category.
More Retirement Fund comparisons
Returns, volatility and drawdowns are computed from official AMFI NAV history for direct-growth plans and may differ slightly from fund-house factsheets due to date conventions. Mutual fund investments are subject to market risks. This comparison is for informational purposes only — not investment advice.