Retirement Saving
Planning for retirement is a critical component of personal financial planning. It ensures you can enjoy your golden years with financial independence, stability, and peace of mind. While the best time to start saving for retirement is early in your career, it’s never too late to begin investing for your future.
Just like education, buying a home, or marriage, retirement is a major life milestone. Yet, many individuals delay planning for it. By taking small, consistent steps today, you can build a strong financial foundation that allows you to maintain your desired lifestyle post-retirement.
With mutual funds for retirement, you can benefit from long-term capital growth, flexibility, and professional fund management — all geared toward helping you achieve your retirement goals.
Effective retirement planning starts with identifying your life goals and mapping a financial plan that supports them. Here’s what to consider:
These are mutual funds specifically designed for retirement and come with a lock-in period and tax benefits
Fund Name | Key Features | Lock-in | Category |
|---|---|---|---|
HDFC Retirement Savings Fund – Equity Plan | Long-term growth via equity exposure | 5 years | ELSS/Equity |
Nippon India Retirement Fund – Wealth Creation Scheme | Aggressive plan for long-term corpus building | 5 years | Equity |
ICICI Prudential Retirement Fund – Pure Equity Plan | Goal-based retirement planning with high growth potential | 5 years | Equity |
UTI Retirement Benefit Pension Fund | Balanced exposure with risk-managed growth | No lock-in | Hybrid |
Ideal for investors with a long horizon (10+ years) who can handle short-term market volatility.
Hybrid funds invest in both equity and debt. These are suitable for medium-risk investors or those closer to retirement.
For those already retired or very near retirement, debt funds offer stability and regular income with lower risk.
At Avidity Services, we simplify retirement investing through expert-curated mutual fund plans tailored to your age, income, and future aspirations. Whether you’re in your 20s, 30s, or nearing retirement, it’s time to take charge of your financial future.
