Plan early for keeping up with your lifestyle even after retirement.
Investor's Personal Details
Saving for Retirement
Inflation and return expection
Factoring in Inflation, the investor will require
Investor will need to invest
A lumpsum investment of ₹ {{TransactionCalculatorResponse.Data.RetirementResponse.LumpsumAmount|formatNumber}}
OrA Monthly SIP of ₹ {{TransactionCalculatorResponse.Data.RetirementResponse.SIPAmount|formatNumber}}
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Note
Type of Scheme : {{FundDetails.SchemeType}}
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This product is suitable for investor's who are seeking*:
*Investors should consult their financial advisers if in doubt about whether the product is suitable for them.
Instruments | Allocation | Risk | |
---|---|---|---|
Min | Max | ||
Aggressive Plan | |||
Equity Instruments* | 80% | 100% | High |
Debt Instruments^ | 0% | 20% | Low to Moderate |
Aggressive Hybrid Plan | |||
Equity Instruments | 65% | 80% | High |
Debt Instruments | 0% | 35% | Low to Moderate |
Conservative Hybrid Plan | |||
Debt instruments | 60% | 90% | Low to Moderate |
Equity instruments | 10% | 40% | High |
Conservative Plan | |||
Debt instruments | 80% | 100% | Low to Moderate |
Equity instruments | 0% | 20% | High |
*Equity Instruments include all equity and equity-related instruments ^Debt Instruments include all debt, debt-related, and money market instruments.
Every plan can take up to 20% exposure to Gold ETFs and up to 10% exposure to REITs/InVITs.
The plans can also invest in foreign securities including overseas ETF to the tune of: up to 35% in Aggressive Plan, up to 15% in Aggressive Hybrid Plan and Conservative Hybrid Plan and up to 10% in Conservative Plan.
The schemes offers the following frequencies for SIP
Daily – Minimum Rs. 500 & in multiples of Re. 1 thereafter for minimum 12 instalments
Weekly – Minimum Rs. 1000 & in multiples of Re. 1 thereafter for minimum 6 instalments
Monthly – Minimum Rs. 1000 & in multiples of Re. 1 thereafter for minimum 6 months or Minimum Rs. 500 & in multiples of Re. 1 thereafter for minimum 12 months
Quarterly - Minimum Rs. 1500 & in multiples of Re. 1 thereafter for minimum 1 year
Semi-annual - Minimum amount of investment will be Rs. 3,000 and in multiples of Re.1 thereafter.
Minimum number of installments will be 4.
Annual - Minimum amount of investment will be Rs. 5,000 and in multiples of Re.1 thereafter.
Minimum number of installments will be 4.
Auto transfer:Under the ‘Auto Transfer’ facility, the investment plan is chosen based on the investor’s age at the time of the investment. Each investment plan corresponds to a certain age group as is explained in the table below.
Plan | Age Range (in years) | Risk |
---|---|---|
Aggressive | Upto 40 | Aggressive |
Aggressive Hybrid | 40 to 50 | Moderate |
Conservative Hybrid | 50 to 60 | Conservative |
Conservative | Above 60 | Low |
In this facility, the investor does not choose a plan but is allotted one based on their age at the time of investment. As the investor advances in age, the invested assets get automatically transferred to the next low risk investment plan corresponding to the investor’s age. No exit load is applicable in case of this switching of assets between plans. However, tax will be applicable as per prevailing taxation laws.
My Choice: Under the ‘My Choice’ facility, the initial investment plan chosen by the investor will continue even as the investor advances in age and crosses over to the next age low-risk age bracket. Incremental investment made will also be added to the initial investment plan. If the investor does not opt for auto transfer, then existing and incremental investments will continue in the plan chosen at the time of initial investment. Further, any number of switches are allowed between the four plans of the scheme. For eg: An investor can move from Aggressive Plan to Conservative Plan or vice versa.
SIP registered under this facility will be eligible for life insurance cover as defined below:
The above-mentioned limits are subject to a maximum limit of Rs 50 lakhs in insurance cover per investor across all schemes.
Under this facility, the investor can redeem a fixed sum of money periodically at the prevailing net asset value depending on the investment plan selected by the investor. The SWP (A) facility will be available on a quarterly basis with applicable quarters being the end of December, March, June and September quarters. The SWP (A) withdrawals will be effective on the 25th of each month of that quarter and will be treated as redemptions. The withdrawals would be subject to the lock-in period and exit load.
A minimum account balance of INR 1 lakh is required at the time of registration of this facility.
*Available only in the IDCW option of the scheme
Conservative Hybrid Plan and Conservative Plan: Rs. 20 Crores each
Aggressive Plan and Aggressive Hybrid Plan: Rs. 10 Crores each
For Aggressive Plan and Aggressive Hybrid Plan – up to 2.25% of net assets
For Conservative Hybrid Plan & Conservative Plan – up to 2.00% of net assets
The actual expense ratio will be decided at the time of launch. For detailed expense structure refer Scheme Information Document