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INVESTMENTS
EQUITY RETIREMENT SOLUTIONS FUND


What is Retirement Fund?

These funds primarily invest in equities (at least 65% of their assets). They come with a lock-in of at least 5 years or till retirement, whichever is earlier.

Equity Retirement Solution Fund

Investment choices called retirement funds, sometimes referred to as pension funds, enable a person to set aside a specific percentage of their income for retirement. After retirement, these funds provide a steady stream of income; the retiree receives annuities on their investments until their death.

Retirement mutual fund plans usually invest in low risk investment options, like Government-securities, to ensure steady returns. Pension funds usually offer up to 11% interest depending on the policy and investments, making them best suited for retirement planning than any of the alternatives.


KEY KNOWLEDGE
  • It is never too early or too late to begin making plans for your retirement.
  • Financial tactics for saving, investing, and eventually allocating funds to support oneself in retirement are referred to as retirement planning.
  • Individual retirement accounts and 401(k)s are two common investment vehicles that let retirement savers grow their money while offering certain tax benefits.
  • Retirement planning considers future costs, obligations, life expectancy, and assets in addition to income and assets.


    • What is the purpose of Retirement Fund:

  • A retirement savings fund's main goal is to give investors a reliable source of income in the event that they do not have any other sources. It may be viewed as a type of delayed compensation, offering people financial stability and sufficient funds to cover their basic needs.

  • The majority of pension plans provide participants the choice of receiving their returns as a lump sum payment or as a monthly annuity. An annuity is paid each month at a predetermined rate, which typically includes inflation protection. As the investor receives the return from their retirement fund adjusted to the current denomination, it is one of the most significant benefits.

  • Lump sum payments disburse the total amount of accumulated wealth to the investor after he or she retires. It allocates a substantial financial backing, however, removes the regular source of return from monthly annuity payments.


    • Who Should Invest in Retirement Fund?

  • Pension plans offer a source of finance to pay for everyday necessities as well as any unforeseen circumstances. These mutual fund retirement plans carry much less risk than other forms of investments, making them ideal to secure assured returns for senior citizens.

  • There are primarily 3 different plans one can choose from. The most popular plan solely invests in debt profiles, making them extremely safe and ideal for a conservative borrower. There are also plans that are unit-linked, investing in both equity, and debt profiles equally. These present slightly higher risk, however, offer higher returns as well.

  • On the other hand, investors can also opt for National Pension Schemes, Government-backed retirement funds. This scheme allows investment in both debt and equity market according to an investor's preference; one can also withdraw 60% of the total fund at the time of retirement and utilise the remaining 40% as annuity payment. The maturity amount is tax-free.


    • Major Advantages of Retirement Fund:

  • Long-Term Savings
  • Flexibility
  • Offers Insurance
  • Protection against Inflation
  • Risk Free Investment


    • Top Schemes Equity Retirement Solutions Fund

    HDFC Retirement Savings Fund

    HDFC Retirement Savings Fund Equity Plan Direct-Growth is a Retirement Solutions mutual fund scheme from Hdfc Mutual Fund. This fund has been in existence for 7 yrs 9 m, having been launched on 05/02/2016. HDFC Retirement Savings Fund Equity Plan Direct-Growth has ₹3,739 Crores worth of assets under management (AUM) as on 30/09/2023 and is medium-sized fund of its category. The fund has an expense ratio of 0.73%, which is less than what most other Retirement Solutions funds charge.

  • Fund Size : 3,739Cr
  • Minimum Investement : ₹300

    • HOLDING ANALYSIS
  • Equity : 88.9%
  • Others : 11.1%

    • EQUITY SECTOR ALLOCATION
  • Financial : 26.21%
  • Healthcare : 8.25%
  • Service : 7.84%
  • Capital Goods : 7.8%
  • Technology : 6.82%
  • Consumer Staples : 6.03%
  • Automobile : 5.78%
  • Energy : 5.03%
  • Construction : 4.59%
  • Materials : 2.63%
  • Communication : 2.45%
  • Metal & Minings : 2.19%
  • Consumer Discretionary : 1.69%
  • Insurance : 1.29%
  • Chemicals : 0.8%
  • Diversified : 0.5%

    • TOP STOCK HOLDING
  • HDFC Bank Ltd : 6.71%
  • ICICI Bank ltd : 6.12%
  • infosys Ltd : 3.48%
  • Reliance Industry Ltd : 3.18%

    • ALLOCATION BY MARKET CAPITALIZATION
  • Large Cap : 54.99%
  • Mid Cap : 9.93%
  • Small Cap : 23.99%
  • Other Cap : 0.00%



    • Nippon India Retirement Fund

    Nippon India Retirement Fund - Wealth Creation Scheme Direct-Growth is a Retirement Solutions mutual fund scheme from Nippon India Mutual Fund. This fund has been in existence for 8 yrs 10 m, having been launched on 22/01/2015. Nippon India Retirement Fund - Wealth Creation Scheme Direct-Growth has ₹2,554 Crores worth of assets under management (AUM) as on 30/09/2023 and is medium-sized fund of its category. The fund has an expense ratio of 0.98%, which is close to what most other Retirement Solutions funds charge.

  • Fund Size : 2,254.0Cr
  • Minimum Investement : ₹500

    • HOLDING ANALYSIS
  • Equity : 97.91%
  • Others : 0.01%

    • EQUITY SECTOR ALLOCATION
  • Financial : 28.73%
  • Energy : 11.9%
  • Technology : 9.29%
  • Capital Goods : 7.59%
  • Services : 7.04%
  • Automobile : 6.7%
  • Construction : 6.0%
  • Consumer Staples : 5.2%
  • Healthcare : 3.75%
  • Insurance : 3.23%
  • Consumer Discretionary : 2.76%
  • Materials : 2.74%
  • Metal & Minings : 1.2%
  • Textiles : 0.91%
  • Chemicals : 0.87%

    • TOP STOCK HOLDING
  • HDFC Bank Ltd : 8.09%
  • ICICI Bank ltd : 6.81%
  • Reliance Industry Ltd : 6.72%
  • Tata Consultancy Service Ltd : 3.96%

    • ALLOCATION BY MARKET CAPITALIZATION
  • Large Cap : 65.39%
  • Mid Cap : 18.85%
  • Small Cap : 13.67%
  • Other Cap : 0.00%



    • Tata Retirement Savings Fund

    Tata Retirement Savings Fund Progressive Plan Direct-Growth is a Retirement Solutions mutual fund scheme from Tata Mutual Fund. This fund has been in existence for 10 yrs 11 m, having been launched on 01/01/2013. Tata Retirement Savings Fund Progressive Plan Direct-Growth has ₹1,512 Crores worth of assets under management (AUM) as on 30/09/2023 and is medium-sized fund of its category. The fund has an expense ratio of 0.62%, which is less than what most other Retirement Solutions funds charge.

  • Fund Size : 1,512Cr
  • Minimum Investement : ₹500

    • HOLDING ANALYSIS
  • Equity : 93.37%
  • Others : 6.63%

    • EQUITY SECTOR ALLOCATION
  • Financial : 17.01%
  • Consumer Staples : 13.14%
  • Service : 12.75%
  • Capital Goods : 10.42%
  • Services : 6.54%
  • Energy : 6.1%
  • Technology : 5.31%
  • Materials : 4.8%
  • Consumer Discretionary : 4.8%
  • Automobiles : 4.44%
  • Chemical : 4.33%
  • Metal & Minings : 2.7%
  • Healthcare : 2.18%
  • Construction : 1.92%
  • Diversified : 1.73%

    • TOP STOCK HOLDING
  • HDFC Bank Ltd : 5.87%
  • ITC ltd : 4.38%
  • Reliance Industry Ltd : 4.3%
  • ICICI Bank Ltd : 4.04%

    • ALLOCATION BY MARKET CAPITALIZATION
  • Large Cap : 40.1%
  • Mid Cap : 27.88%
  • Small Cap : 25.38%
  • Other Cap : 0.00%



    • Aditya Birla Sun Life Retirement Fund

    Aditya Birla Sun Life Retirement Fund - The 30s Plan Direct - Growth is a Retirement Solutions mutual fund scheme from Aditya Birla Sun Life Mutual Fund. This fund has been in existence for 4 yrs 9 m, having been launched on 19/02/2019. Aditya Birla Sun Life Retirement Fund - The 30s Plan Direct - Growth has ₹306 Crores worth of assets under management (AUM) as on 30/09/2023 and is medium-sized fund of its category. The fund has an expense ratio of 1.04%, which is higher than what most other Retirement Solutions funds charge.

  • Fund Size : 306Cr
  • Minimum Investement : ₹500

    • HOLDING ANALYSIS
  • Equity : 93.32%
  • Others : 6.27%
  • Debt : 0.41%

    • EQUITY SECTOR ALLOCATION
  • Financial : 31.97%
  • Automobile : 10.39%
  • Healthcare : 9.99%
  • Materials : 7.26%
  • Consumer Staples : 6.78%
  • Construction : 6.41%
  • Technology : 6.19%
  • Capital Goods : 5.17%
  • Energy : 2.86%
  • Service : 2.84%
  • Insurance : 2.53%
  • Consumer Discretionary : 0.91%

    • TOP STOCK HOLDING
  • HDFC Bank Ltd : 7.28%
  • ICICI Bank Ltd : 7.19%
  • Infosys Ltd : 4.84%
  • Larsen & Turbo Ltd : 4.36%

    • ALLOCATION BY MARKET CAPITALIZATION
  • Large Cap : 56.55%
  • Mid Cap : 19.84%
  • Small Cap : 16.93%
  • Other Cap : 0.00%



    • ICICI Prudential Retirement Fund

    ICICI Prudential Retirement Fund - Pure Equity Plan Direct - Growth is a Retirement Solutions mutual fund scheme from Icici Prudential Mutual Fund. This fund has been in existence for 4 yrs 9 m, having been launched on 07/02/2019. ICICI Prudential Retirement Fund - Pure Equity Plan Direct - Growth has ₹367 Crores worth of assets under management (AUM) as on 30/09/2023 and is medium-sized fund of its category. The fund has an expense ratio of 1.1%, which is higher than what most other Retirement Solutions funds charge.

  • Fund Size : 367Cr
  • Minimum Investement : ₹100

    • HOLDING ANALYSIS
  • Equity : 96.16%
  • Debt : 3.84%
  • Others : 0.00%

    • EQUITY SECTOR ALLOCATION
  • Metal & Minings : 13.28%
  • Meterials : 12.51%
  • Automobiles : 12.41%
  • Energy : 8.77%
  • Financial : 8.62%
  • Capital Goods : 7.58%
  • Healthcare : 6.0%
  • Construction : 5.52%
  • Service : 5.03%
  • Communication : 4.39%
  • Insurance : 3.28%
  • Chemical : 2.78%
  • Technology : 2.73%
  • Textile : 2.15%
  • Consumer Discretionary : 1.12%

    • TOP STOCK HOLDING
  • UltraTech Cement Ltd : 5.16%
  • Bharat Petroleum Corporation Ltd : 4.54%
  • Bharti Airtel Ltd : 4.22%
  • Maruti Suzuki India Ltd : 4.13%

    • ALLOCATION BY MARKET CAPITALIZATION
  • Large Cap : 63.63%
  • Mid Cap : 14.61%
  • Small Cap : 17.92%
  • Other Cap : 0.00%



    • SBI Retirement Benefit Fund

    SBI Retirement Benefit Fund - Aggressive Plan Direct - Growth is a Retirement Solutions mutual fund scheme from Sbi Mutual Fund. This fund has been in existence for 2 yrs 10 m, having been launched on 20/01/2021. SBI Retirement Benefit Fund - Aggressive Plan Direct - Growth has ₹1,762 Crores worth of assets under management (AUM) as on 30/09/2023 and is medium-sized fund of its category. The fund has an expense ratio of 0.86%, which is close to what most other Retirement Solutions funds charge.

  • Fund Size : 1,762Cr
  • Minimum Investement : ₹500

    • HOLDING ANALYSIS
  • Equity : 93.62%
  • Debt : 5.37%
  • Others : 1.01%

    • EQUITY SECTOR ALLOCATION
  • Financial : 26.9%
  • Automobiles : 13.13%
  • Capital Goods : 10.75%
  • Technology : 8.09%
  • Service : 7.55%
  • Metal & Minings : 7.51%
  • Construction : 5.97%
  • Healthcare : 4.78%
  • Materials : 4.4%
  • Consumer Discretionary : 1.92%
  • Textile : 1.69%
  • Insurance : 1.36%

    • TOP STOCK HOLDING
  • HDFC Bank Ltd : 8.53%
  • ICICI Bank Ltd : 8.69%
  • Infosys Ltd : 5.41%
  • Maruti Suzuki India Ltd : 4.15%

    • ALLOCATION BY MARKET CAPITALIZATION
  • Large Cap : 53.68%
  • Mid Cap : 32.36%
  • Small Cap : 7.58%
  • Other Cap : 0.00%



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