{"id":9085,"date":"2018-07-11T01:52:45","date_gmt":"2018-07-10T20:22:45","guid":{"rendered":"https:\/\/www.antworksmoney.com\/blog\/?page_id=9085"},"modified":"2019-09-25T12:04:48","modified_gmt":"2019-09-25T06:34:48","slug":"best-retirement-funds","status":"publish","type":"post","link":"https:\/\/www.antworksmoney.com\/blog\/best-retirement-funds\/","title":{"rendered":"Best Retirement Funds"},"content":{"rendered":"<p>Pension plans from insurance companies, National Saving Certificate (NSC), Employee Provident Fund (EPF) and Public Provident Fund (PPF) are the savings instruments that come to mind when planning for retirement. Many of us don\u2019t even make adequate plans for retirement and end up depending on our daughters and sons. However, if you are not averse to taking a bit of risk with your money,\u00a0mutual funds\u00a0are a great investment for your retirement years. The earlier you start saving for your superannuation, the more corpus you\u2019ll have when the time comes. Though there are retirement-targeted mutual funds, you may also opt for a regular equity, debt or hybrid fund on a long-term basis for wealth creation.<\/p>\n<h2>Why Mutual Fund?<\/h2>\n<p>Here are some of the reasons to consider mutual funds for retirement planning:<\/p>\n<ul>\n<li>Low cost:\u00a0Mutual funds\u00a0do not require high inputs. Most retirement funds need an input of just around Rs. 1,000 per month. However, choose a fund that has limited fees and charges such as entry and exit load, fund management charges, etc.<\/li>\n<li>Beat the inflation: As you grow older, inflation could also rise, making the cost of living higher by the time you are 60 years old. This means that you need to invest in an instrument that also grows at par with the inflation rates, or better. Growth mutual funds are ideal under such a situation.<\/li>\n<li>Liquidity: If your fund does not have a lock-on period, you can liquidate your fund and withdraw money whenever you want. It takes less than 2 days for the amount to be credited to your account once you sell of the units. Lock-in periods are usually as short as 3-5 years, unlike pension schemes such as PPF that has 15-year lock-in period.<\/li>\n<li>Tax efficient: Short-term gains (less than 3 years) on equity funds attract a tax of 15%, while short-term debt fund gains are added to your regular income and taxed as per the income tax slab you fall under. On equity funds, there is no tax on long-term capital gains, but long-term debt fund gains are taxed at 10% without indexation and 20% with indexation.<\/li>\n<\/ul>\n<h2>Choosing the Best Retirement Plan<\/h2>\n<p>Before you buy a mutual fund, you need to do some research to find the fund that is the most suitable for you. The things you need to keep in mind while doing the research are:<\/p>\n<ul>\n<li>Years left for retirement: If you are in the early years of employment \u2013 that is, between 22 to 35 years, then you may want to choose a moderate risk fund with steady investment growth and appreciating returns. The older you grow, the more aggressive your investment might need to be, to ensure that at the end of the day you will have enough money to beat inflation during retirement. You may want to plan your savings in such a way that you can live comfortably after your employment years.<\/li>\n<li>Risk tolerance: As an investor, you may have a risk level that you are at ease with. Some people are overcautious, some are prudent, and many more are aggressive risk takers. Choose a fund that has a risk level of your standard.<\/li>\n<li>Fund goal: Depending on whether you are looking for investment growth or stable savings, you could go for equity funds, debt funds, hybrid funds, growth funds, value funds, etc. There are several options in the mutual fund market. You could mix and match portfolios and fund types to achieve the right level of diversity, capital increase and steady income.<\/li>\n<li>Fees and charges: Compare the exit and entry loads, management fees, redemption fees, etc. between different funds before buying one. If the fund size is small with limited Assets under Management (AUM), then the charges are likely to be higher.<\/li>\n<\/ul>\n<p>Top Five Funds for Retirement Planning for Investors Between 25 and 40 Years of Age<\/p>\n<div class=\"hungry-table nb-table\">\n<table class=\"table table-bordered table-striped col-sm-12\">\n<tbody>\n<tr>\n<td>Product Name<\/td>\n<td>Category<\/td>\n<td>1 Year<\/td>\n<td>3 Year<\/td>\n<td>5 Year<\/td>\n<td>Fund Value of Rs.10,000 Invested Per Month (5 Years)<\/td>\n<\/tr>\n<tr>\n<td>Aditya Birla Sun Life Small and Midcap Fund \u2013 Growth<\/td>\n<td>Equity<\/td>\n<td>13.97%<\/td>\n<td>22.94%<\/td>\n<td>28.01%<\/td>\n<td>Rs.11,72,257<\/td>\n<\/tr>\n<tr>\n<td>Canara Robeco Emerging Equities \u2013 Growth<\/td>\n<td>Equity<\/td>\n<td>13.24%<\/td>\n<td>20.25%<\/td>\n<td>30.21%<\/td>\n<td>Rs.12,33,265<\/td>\n<\/tr>\n<tr>\n<td>Franklin India Prima Plus \u2013 Growth<\/td>\n<td>Equity<\/td>\n<td>10.93%<\/td>\n<td>11.77%<\/td>\n<td>18.77%<\/td>\n<td>Rs.9,44,288<\/td>\n<\/tr>\n<tr>\n<td>HDFC Balanced Fund \u2013 Growth<\/td>\n<td>Equity<\/td>\n<td>11.59%<\/td>\n<td>12.97%<\/td>\n<td>19.10%<\/td>\n<td>Rs.9,51,705<\/td>\n<\/tr>\n<tr>\n<td>Mirae Asset Emerging Bluechip Fund \u2013 Growth<\/td>\n<td>Equity<\/td>\n<td>12.54%<\/td>\n<td>21.95%<\/td>\n<td>30.39%<\/td>\n<td>Rs.12,38,390<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p>Top Five Funds for Retirement Planning for Investors Between 41 and 50 Years of Age<\/p>\n<div class=\"hungry-table nb-table\">\n<table class=\"table table-bordered table-striped col-sm-12\">\n<tbody>\n<tr>\n<td>Product Name<\/td>\n<td>Category<\/td>\n<td>1 Year<\/td>\n<td>3 Years<\/td>\n<td>5 Years<\/td>\n<td>Fund Value of Rs.10,000 Invested Per Month (5 Years)<\/td>\n<\/tr>\n<tr>\n<td>BNP Paribas Mid Cap Fund \u2013 Growth<\/td>\n<td>Equity<\/td>\n<td>6.37%<\/td>\n<td>14.17%<\/td>\n<td>23.53%<\/td>\n<td>Rs.10,56,239<\/td>\n<\/tr>\n<tr>\n<td>Kotak Select Focus Fund \u2013 Regular \u2013 Growth<\/td>\n<td>Equity<\/td>\n<td>10.46%<\/td>\n<td>15.40%<\/td>\n<td>20.60%<\/td>\n<td>Rs.9,85,995<\/td>\n<\/tr>\n<tr>\n<td>L&amp;T India Prudence Fund \u2013 Regular \u2013 Growth<\/td>\n<td>Equity<\/td>\n<td>11.00%<\/td>\n<td>12.88%<\/td>\n<td>18.69%<\/td>\n<td>Rs.9,42,499<\/td>\n<\/tr>\n<tr>\n<td>Mirae Asset India Equity Fund \u2013 Regular \u2013 Growth<\/td>\n<td>Equity<\/td>\n<td>15.23%<\/td>\n<td>15.64%<\/td>\n<td>20.57%<\/td>\n<td>Rs.9,85,301<\/td>\n<\/tr>\n<tr>\n<td>SBI Magnum Multi Cap Fund \u2013 Growth<\/td>\n<td>Equity<\/td>\n<td>15.48%<\/td>\n<td>15.91%<\/td>\n<td>20.84%<\/td>\n<td>Rs.9,91,611<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p>Top Five Funds for Retirement Planning for Investors Between 51 and 55 Years Age<\/p>\n<div class=\"hungry-table nb-table\">\n<table class=\"table table-bordered table-striped col-sm-12\">\n<tbody>\n<tr>\n<td>Product Name<\/td>\n<td>Category<\/td>\n<td>1 Year<\/td>\n<td>3 Years<\/td>\n<td>5 Years<\/td>\n<td>Fund Value of Rs.10,000 Invested Per Month (5 Years)<\/td>\n<\/tr>\n<tr>\n<td>Aditya Birla Sun Life Balanced 95 \u2013 Growth<\/td>\n<td>Equity<\/td>\n<td>9.97%<\/td>\n<td>12.32%<\/td>\n<td>16.72%<\/td>\n<td>Rs.8,99,433<\/td>\n<\/tr>\n<tr>\n<td>Franklin India Balanced Fund \u2013 Growth<\/td>\n<td>Equity<\/td>\n<td>9.79%<\/td>\n<td>10.07%<\/td>\n<td>15.88%<\/td>\n<td>Rs.8,81,633<\/td>\n<\/tr>\n<tr>\n<td>ICICI Prudential Balanced Advantage Fund \u2013 Regular \u2013 Growth<\/td>\n<td>Equity<\/td>\n<td>10.24%<\/td>\n<td>10.45%<\/td>\n<td>14.22%<\/td>\n<td>Rs.8,47,348<\/td>\n<\/tr>\n<tr>\n<td>Mirae Asset India Equity Fund \u2013 Regular \u2013 Growth<\/td>\n<td>Equity<\/td>\n<td>15.23%<\/td>\n<td>15.64%<\/td>\n<td>20.57%<\/td>\n<td>Rs.9,85,301<\/td>\n<\/tr>\n<tr>\n<td>SBI Bluechip Fund \u2013 Growth<\/td>\n<td>Equity<\/td>\n<td>13.65%<\/td>\n<td>13.17%<\/td>\n<td>17.98%<\/td>\n<td>Rs.9,26,773<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p>Top Five Funds for Retirement Planning for Investors Above 56 Years of Age<\/p>\n<div class=\"hungry-table nb-table\">\n<table class=\"table table-bordered table-striped col-sm-12\">\n<tbody>\n<tr>\n<td>Product Name<\/td>\n<td>Category<\/td>\n<td>1 Year<\/td>\n<td>3 Years<\/td>\n<td>5 Years<\/td>\n<td>Fund Value of Rs.10,000 Invested Per Month (5 Years)<\/td>\n<\/tr>\n<tr>\n<td>Aditya Birla Sun Life Balanced 95 \u2013 Growth<\/td>\n<td>Equity<\/td>\n<td>9.97%<\/td>\n<td>12.32%<\/td>\n<td>16.72%<\/td>\n<td>Rs.8,99,433<\/td>\n<\/tr>\n<tr>\n<td>Aditya Birla Sun Life Short Term Opportunities Fund \u2013 Regular \u2013 Growth<\/td>\n<td>Debt<\/td>\n<td>5.72%<\/td>\n<td>7.88%<\/td>\n<td>8.79%<\/td>\n<td>Rs.7,43,528<\/td>\n<\/tr>\n<tr>\n<td>DSP Blackrock Credit Risk Fund \u2013 Regular Plan \u2013 Growth<\/td>\n<td>Debt<\/td>\n<td>5.71%<\/td>\n<td>8.31%<\/td>\n<td>8.74%<\/td>\n<td>Rs.7,42,643<\/td>\n<\/tr>\n<tr>\n<td>ICICI Prudential Balanced Advantage Fund \u2013 Regular \u2013 Growth<\/td>\n<td>Equity<\/td>\n<td>10.24%<\/td>\n<td>10.45%<\/td>\n<td>14.22%<\/td>\n<td>Rs.8,47,348<\/td>\n<\/tr>\n<tr>\n<td>Mirae Asset India Equity Fund \u2013 Regular \u2013 Growth<\/td>\n<td>Equity<\/td>\n<td>15.23%<\/td>\n<td>15.64%<\/td>\n<td>20.57%<\/td>\n<td>Rs.9,85,301<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Pension plans from insurance companies, National Saving Certificate (NSC), Employee Provident Fund (EPF) and Public Provident Fund (PPF) are the savings instruments that come to mind when planning for retirement. Many of us don\u2019t even make adequate plans for retirement and end up depending on our daughters and sons. However, if you are not averse &hellip; <a href=\"https:\/\/www.antworksmoney.com\/blog\/best-retirement-funds\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;Best Retirement Funds&#8221;<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[],"tags":[],"class_list":["post-9085","post","type-post","status-publish","format-standard","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.3 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\r\n<title>Antworks Money &#8211;  The Blog on Personal Finance | Guide to Loans, Credit Cards, Insurance and Investments<\/title>\r\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\r\n<link rel=\"canonical\" href=\"https:\/\/www.antworksmoney.com\/blog\/best-retirement-funds\/\" \/>\r\n<meta property=\"og:locale\" content=\"en_US\" \/>\r\n<meta property=\"og:type\" content=\"article\" \/>\r\n<meta property=\"og:description\" content=\"Pension plans from insurance companies, National Saving Certificate (NSC), Employee Provident Fund (EPF) and Public Provident Fund (PPF) are the savings instruments that come to mind when planning for retirement. 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Many of us don\u2019t even make adequate plans for retirement and end up depending on our daughters and sons. 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