Plan Today, Relax Tomorrow
Secure a comfortable and worry-free retirement with our personalized planning solutions. From building your nest egg to managing post-retirement income, we're here to help you enjoy the life you've earned.
Retirement Planning through Mutual Funds
Why Choose Mutual Funds?
Market-linked returns
help grow wealth over the long term
SIP (Systematic Investment Plan)
builds a retirement corpus step-by-step
Secure your Fund
helps beat inflation through equity and hybrid fund exposure
Best Mutual Fund Types for Retirement
Choose the right mutual fund category based on your age and risk appetite for optimal retirement planning
- High growth potential over long term
- Start SIP early for compounding benefits
- Can handle market volatility
- Expected returns: 12-15% p.a.
- Mix of equity and debt instruments
- Moderate risk with stable returns
- Balanced growth and stability
- Expected returns: 8-12% p.a.
- Invests in fixed income securities
- Lower risk compared to equity funds
- Stable returns with minimal volatility
- Expected returns: 6-8% p.a.
- Auto-switches from equity to debt
- Professional age-based allocation
- HDFC & Nippon Retirement Funds
- Set-and-forget approach
Age-wise Mutual Fund Allocation Guide
Young Investors
Focus on aggressive growth
Mid-Career
Balanced approach
Pre/Post Retirement
Capital preservation focus
Retirement Planning through Life Insurance
Why Choose Life Insurance?
Secure and Protected
offers life cover and regular income
Future Proof
Ensures financial support to family in case of early death
Offer Pension
Provides regular income post-retirement through pension plans
Types of Life Insurance for Retirement
Life insurance can play a crucial role in retirement planning by providing both protection and income generation
Deferred Annuity
Income starts after a fixed period
Immediate Annuity
Starts right after investment
- Guaranteed monthly income
- Protection against longevity risk
- Tax benefits on premiums
- Lifelong coverage protection
- Ensures legacy for children/spouse
- Cash value accumulation
- Loan facility against policy
Benefit: Provides financial security to family even in old age
- Guaranteed maturity benefits
- Life cover during policy term
- Can be used as safe retirement fund
- Bonus additions increase value
Returns: 4-6% guaranteed with bonus additions
- Combines insurance + investment
- Market-linked returns potential
- Fund switching flexibility
- Partial withdrawals after 5 years
Expected Returns: 8-12% based on market performance
Mutual Fund vs Life Insurance for Retirement
| Features | Mutual Fund | Life Insurance |
|---|---|---|
| Purpose | Wealth creation | Risk cover + regular income |
| Return Type | Market-linked (high potential) | Guaranteed or low market-linked |
| Flexibility | High (can start/stop anytime) | Fixed terms, less flexible |
| Ideal For | Early starters, risk takers | Conservative investors, family support |
| Tax Benefits | 80C for ELSS, LTCG taxed @10% | 80C for premium, tax-free maturity |
| Regular Income Option | Via SWP or annuity funds | Pension/annuity plans available |