Know The 5 Best Mutual Funds Of Retirement Planning

Know The 5 Best Mutual Funds Of Retirement Planning:Retirement planning is one thing that can be easily delayed and we can also worry about it at the last stage of our life. All these things come to our mind when we are young.

We think everything will be fixed eventually, right?

Well, if things are not right even later? Have you ever thought about it?Looking to invest?

The bitter truth is that at any time in our life we ​​may have to face problems and hence, it becomes very difficult to make the right plan (plan) to get out of such situation. The best way to do this is to plan for retirement.

Also, in some companies the retirement age is 60 years, we can start this plan along with starting work.

In this article we will discuss about different mutual funds in which we can invest and which will also meet the needs of our family after retirement.

Let’s start!

(Note: We have highlighted funds based on people who are young / young (ages 25-40).)

However, those who have already crossed this age can opt for high risk funds such as small, mid cap and multi cap funds. Instead, they can choose balanced and low-risk funds.

For complete retirement planning, we have prepared a list of 5 funds. It includes all this: –

  • 2 large cap funds
  • A multi cap fund
  • A small cap fund
  • An index fund

This list has been made in such a way that two large cap funds bring steady returns (which are of considerable risk). Also, there are multi-cap and small-cap funds with higher risk exposure.

As the timeframe for investing is long, these small and mid-size companies will also get ample time to grow, due to the many market cycles (where up-and-down market changes will play an important role).

Finally, index funds track the index and hence give stability / stability to the mutual fund portfolio.

  • The best mutual funds for retirement planning
    • 1.Reliance Cap Fund
    • 2.ICICI Prudential Bluechip Equity Fund
    • 3. Mirae Asset India Equity Fund
    • 4.HDFC Small Cap Fund
    • 5. UTI Nifty Index Fund
Know The 5 Best Mutual Funds Of Retirement Planning
Know The 5 Best Mutual Funds Of Retirement Planning

The best mutual funds for retirement planning

The 5 best mutual funds for retirement planning are as follows

1.Reliance Cap Fund

Launched in 2013, the fund has consistently outperformed its benchmark.

If we analyze its holdings closely then we will be able to understand that the managers of this fund have full confidence in the development of India and this is because the sectors like – financial, health care, engineering, etc. Can be trusted.

Some of the big names in this list are SBI, L&T, Axis Bank Limited, ICICI Limited, HDFC Bank Limited, ITC Bajaj Finance etc.  

Important information

Launch date01 – Jan – 2013
NAV 25-Jan-201934.4
Plan typeDirect
Rating by gro5 stars
AUM (Fund Size)  11,740 crores
RisometerLittle more
Least SIP (SIP)₹100
Performance against your bench markSince its launch, it has consistently outperformed its benchmark Nifty 100 TRI.
Age of fund6 years
Expense ratio11.20%
Exit loadIf redeemed within 0-12 months, the exit load will be 1%, otherwise 0%.
TypeEquit-Large Cap
Fund managerAshwani Kumar, Shailesh Raj Bhan
Reliance Cap Funds

Investment objective

The investment of this fund has two objectives which are:

  • Its first objective is to invest in equities and equity related companies to create long term capital that falls between the highest and lowest market cap of the BSE 200 index.
  • The second objective of this fund is to invest in debt and money market securities and to get consistent returns.

2.ICICI Prudential Bluechip Equity Fund

The scheme was launched in 2013 which also got a rating of 5 stars.

It has consistently outperformed its benchmark Nifty 100 TRI. It also provides long-term stability to the portfolio, with focus on key sectors and big names like ICICI Bank, HDFC Limited, HDFC Bank Limited, ITC Limited, Infosys, Motherson Sumi Systems Limited, etc.  

Important information

Launch date01 January 2013
NAV 25-Jan-201941.8
Plan typeDirect
Rating by gro5 stars
AUM (Fund Size)  20,115 crores
RisometerLittle more
Least SIP (SIP)₹100
Performance against your bench markSince its launch, it has consistently outperformed its benchmark Nifty 100 TRI.
Age of fund6 years
Expense ratio11.21%
Exit loadIf redeemed within 0-12 months, the exit load will be 1%, otherwise 0%.
TypeEquit-Large Cap
Fund managerS. Naren, Rajat Chandak
ICICI Prudential Bluechip Equity Fund

Investment objective

The investment of this fund has two objectives which are:

  • Fund managers want to increase long-term capital and create income distribution by investing in the best 200 stocks (equities and equity related instruments) on the National Stock Exchange (NSE) as market capitalization;
  • The fund manager also invests some of the money in debt securities and money market instruments.

3. Mirae Asset India Equity Fund

The fund has been chosen to hold on to other sectors but excluding large caps, which means some mid-cap stocks (shares) are also included.

Large amount stocks are also kept in this fund, due to which the maximum risk can be reduced. The fund has consistently outperformed its benchmark and its expense ratio (expense ratio) is also low.  

Important Information:

Launch date01 January 2013
NAV 25-Jan-201949.9
Plan typeDirect
Rating by gro5 stars
AUM (Fund Size)  10,128 crore
RisometerLittle more
Least SIP (SIP)₹1000
Performance against your bench markSince launch, it has consistently performed better than its benchmark Nifty 200 TRI.
Age of fund6 years
Expense ratio10.79%
Exit loadIf redeemed within 0-12 months, the exit load will be 1%, otherwise 0%.
TypeEquit – Multi Cap
Fund managerNilesh Surana, Harshad Boravke
Mirae Asset India Equity Fund

Investment objective

The main objective of this scheme is to find potential investment opportunities and to create long term capital by investing in equity and equity related securities.

4.HDFC Small Cap Fund

The one-year return for this fund has been negative (negative), but it has been because small-cap funds had fallen due to the recent market crash .

However, this fund has given good returns on investing for a long time.

Now we are talking about investing in funds for a long time (for at least 20 to 25 years). So these small cap companies can also be considered seeds that have enough time to become a full tree, by the time you reach retirement.

Also, a closer look at the portfolio of the fund makes it understandable that fundamentally / fundamentally this portfolio is doing well (some of which are – KEC International, SKF India Limited, NRB Bearings Limited, Sharda Cropchem Limited, NIIT Technologies Limited).

Therefore, investors can invest their money in this fund for a long time (till retirement) and this is the right time as the fund has significantly improved its performance in the last year.

Important Information:

Launch date01 January 2013
NAV 25-Jan-201944.1
Plan typeDirect
Rating by gro5 stars
AUM (Fund Size)  5,672 crores
RisometerLittle more
Least SIP (SIP)₹500
Performance against your bench markSince launch, it has consistently performed better than its benchmark Nifty Small Cap 100 TRI.
Age of fund6 years
Expense ratio10.71%
Exit loadIf redeemed within 0-12 months, the exit load will be 1%, otherwise 0%.
TypeSmall cap
Fund managerChirag Setalvad
HDFC Small Cap Fund

Investment objective

The main objective of this fund is for investors to invest in these 3 big instruments and create long term capital, the names of these instruments are: –

  • Equity and equity related instruments;
  • Money Market Instruments;
  • Equity derivatives

5. UTI Nifty Index Fund

An index fund is a fund that closely monitors the index. It divides the investor money into stocks and stocks that are present in the Nifty index.

Therefore, one thing is for sure that the fund’s beta or volatility will also be almost equal to the index change.

The presence of index funds in the portfolio gives more stability to your portfolio. Many investment gurus, even Warren Buffet, advise investors to choose this path.

It gives average returns (in the range of about 12–15%) in longterm . Apart from this, its expense ratio / expense ratio (0.13%) and the size of the fund (1,076 crore) are also very low.

Also, nowadays index funds are becoming very popular funds within the investment community.

Investors will also be happy to know that index funds have beaten the returns given by some large-cap funds.

Important Information:

Launch date01 January 2013
NAV 25-Jan-201970.6
Plan typeDirect
Rating by gro5 stars
AUM (Fund Size)  1,076 crores
RisometerLittle more
Least SIP (SIP)₹500
Performance against your bench markSince launch, it has consistently outperformed its benchmark Nifty 50 Total Return.
Age of fund6 years
Expense ratio10.13%
Turn over 0%
Exit loadNo exit load
TypeIndex fund
Fund managerKaushik Basu  
UTI Nifty Index Fund

Investment objective

Conclusion

Looking at the inflation level of 5% now and with the improvement in living style, the need for money at the time of retirement will also be huge.

Investors should understand that the 5 funds mentioned here are not a very big list. Investors can select some funds from this list and in addition select other funds that fall within their investment horizon and according to their risk appetite.

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