This plan is ideal for individuals who seek to plan for their retirement, and want to get secure and stable returns on
their invested corpus for post-retirement income.There is a flexibility to choose your investment horizon from 10 - 40 years, and assured benefit equal to 101 % of all regular premiums paid on death or at vesting.
Get secure and stable returns on
your invested corpus for post retirement income.
Balanced funds
invest the corpus in both equity and debt products.
Instead, you may
invest this corpus for your long term goals (especially for Kid's education & your retirement).
These securities can be Stocks, Bonds, Company Fixed Deposits, Futures & Options etc.,
They invest the corpus based on a scheme's investment objective and type of a scheme.
Fixed Income Funds by BNP Paribas mainly
invests the corpus in fixed income securities, viz. shares and stocks.
Not exact matches
You can withdraw only 60 % of the accumulated
corpus under NPS, 40 % of the remaining fund should be compulsorily
invested in Annuity schemes after attaining 60 years.
The remaining portion of
corpus can be
invested in MIP (growth option) + in a Balanced fund for say next 5 years or so.
So, if a mutual fund scheme
invests a major portion of its
corpus in Large companies then it can be classified as a «Large - cap» fund.
If by other Asset classes you mean other than equity, i.e. debt funds, liquid funds, arbitrage funds, FD's etc then yes majority of our lump - sum
corpus has been
invested in these asset classes only.
Qn.no 1) In one of your earlier Q & A session i noted that you have answered for a retirement
corpus requirement to start
investing in Diversified equity + Midcap considering his existing status; In similar lines, kindly let me know the combinations that suits me for achieving my child education, marriage & Retirement goals falls under 12 yrs, 16 yrs & 23 yrs respectively.
Dear Abhijit, MIP funds do
invest a small pecentage of their
corpus in equity securities.
I am in a private job and considering a time horizon of 15 - 20 years to retirement, i would like to
invest more 5 - 7k / month for my child future and which gives me a
corpus of nearly 1 CR +
Large - cap mutual funds
invest a higher portion of the
corpus is companies with greater market capitalization.
invest a higher portion of the
corpus is companies with greater market capitalization.
Best Monthly Income Plan Background of Monthly income plan Monthly Income Plan or the MIP is basically a debt - oriented hybrid mutual fund where nearly three - fourth of the
corpus is
invested...
If you would like to accumulate sufficient
corpus for a long - term goal, you may have to take calculated risk and
invest in right financial product (s) which can beat inflation & give better tax - adjusted returns.
Monthly Income Plan or the MIP is basically a debt - oriented hybrid mutual fund where nearly three - fourth of the
corpus is
invested in debt instruments such as debentures, government securities, and the likes.
I want to
invest in Mutual fund through SIP to fulfill my objective of acquire a
corpus of Rs. 30 lacs after 15 years.
In case, you can afford to take some risk (or) can
invest a portion of your retirement
corpus in slightly riskier investment options then you may consider below investment avenues.
When you are devising a plan to
invest your Retirement
corpus, you may kindly keep in mind of the below points / factors;
I want to
invest for saving tax while accumulating a
corpus for child's future educational and some investment in property.I am willing to stay
invested for long time with 60 % amount and 40 % for 5 to 3 years.
You may get attracted by better interest rates but kindly do not
invest your entire retirement
corpus in these investment options and even if you are
investing a portion of your
corpus, do consider
investing in multiple deposit schemes or Issues which have good credit rating.
SBI magnum global fund - reg - 2000 /, Reliance tax saver - growth plan - 3000 /, Axis long term equity fund - 6000 / and DSP tax saver fund - reg - g - 3000 / plus i have started with ppf 150000 / plus i have two lic policies amounting 48000 (jeevan saral and jeevan jyoti) i plan to build a
corpus of 1c in 15 years and can
invest 50000 pm.kindly suggest.
so I endorse your views on
investing a portion of their retirement
corpus in mutual funds.
However, I want them to
invest a part of their retirement
corpus in some balanced mutual fund as this is still the early stage of retirement.
A capital protection - oriented scheme is typically a hybrid scheme that
invests significantly in fixedincome securities and a part of its
corpus in equities.
Such schemes normally
invest a major part of their
corpus in equities.
But do you think looking at prevailing interest rates and inflation rate (for next decade or so), is it possible to achieve desired
corpus by
investing in Debt only products?
ELSS is diversified equity funds that
invest a majority of the
corpus in equities and related securities.
Take the scenario in our first example where you were
investing Rs. 1,796 per month for 30 years to reach a
corpus of 1 crore.
If Mr. Ramesh
invests $ 5,000 monthly starting at the age of 30 yrs, then he will have $ 2.8 Cr
corpus at the age of 60 yrs.
In other words Systematic Investment Plans help you to start
investing with a small amount of money regularly, instead of waiting to create a large
corpus for investment.
Large cap funds are schemes that
invest a significant portion of their
corpus in companies with large market capitalization (in excess of Rs. 10000 crores).
Dear shrikanth I have 50lacs as my Vrs
corpus which I want to
invest in only equity mutual funds for 7 years for wealth creation.
Typically an equity oriented balanced fund
invests around 20 to 30 % of fund
corpus in Debt related securities.
If the required savings amount is high, we have two options, take risk and
invest in equity oriented products to get decent returns (more than 9 %), (or) decrease the required
corpus.
Need your advice on a monthly sip of 15 k f (investment horizon of 15 years) for my younger daughters post grad education.I was planning to
invest 5 k each in a debt oriented fund (ICIC pru long term growth), balanced fund (HDFC balanced fund) & a ELSS fund (Axis long term equity fund)- assumption based on a return of 12 % post tax and hence a
corpus of 65 - 70 lacs at the end of this invetsment term of 15 yrs.Education inflation taken at 10 %.
Dear Priya, With 15 - 20 years of time horizon and with the list of good funds you have
invested in, I am sure you will accumulate good
corpus to achieve your financial goals.
If you had 40 Lakhs to
invest lets say as retirement
corpus, which funds would have you
invested in (Lets say you pnly had option to go for lumpsump mode and only in mutual funds).
Current investments FDs of current value 8 Lacs PF monthly
investing 14000 — Current
corpus 3 Lacs my wife plans to start working after 2 years and expects to earn 10 to 13000 per month.
I am 27 & planning to
invest in these 2 MNC funds for 30 yrs (for my retirement
corpus).
I want to
invest 5K monthly SIP for 25 years to generate a good
corpus for my retirement.
Dear Naveen, If you want to get a fixed monthly income, you may consider
investing a portion of your
corpus in Fixed deposits.
The remaining
corpus amount can be
invested in the below list of options; * MF MIP funds (Growth Option).
Thanks Sreekanth, I'm
investing since last 2.25 yrs with current portfolio value of 9.6 L In view of getting
corpus of 1cr, please let me know.
Dear Dinesh, If you
invest Rs 45k per month and assuming the expected return on investment is 12 %, then the projected accumulated
corpus can be around Rs 36 Lakh in next 5 years.
Now I want to
invest in good SIP to generate
corpus for (my child education + marriage) + retirement.
Willing to
invest lump - sum amount of 4 lakhs to build a good
corpus in 8 - 10 years.
I'm planning to
invest around 20K / Month for: 1) daughter's education: — 14 yrs from now (Large Cap = 1K, Large + Mid = 2K, Mid + Small = 3K) = 6K / month 2) daughter's marriage: — 20 years (Large Cap = 1K, Large + Mid = 2K, Mid + Small = 3K) = 6K / month 3)
corpus fund for wealth creation and retirement: 20 + years (Index fund = 1K, Debt long term = 2K, Global Mutual fund = 1K, Mid + Small = 4K) = 8K / moth.