best investments for retirement plan
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Mr. Paresh Rawal , Age 35, has monthly saving of Rs.3,500 /-, he would like to invest in Mutual Fund as part of his Retirement Plan. Suggest 4 Real time Examples.
ET Fin Pro Module - 3
Batch Code: HYD01AA0213
Praveen Kumar E1300310000114
Silambarasan ElangoE1300310000132
KowsarE1300310000129
Bhavana E1300310000126
Faculty Vishwanathan Ramakrishnan
Presented By
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Contents
What is Mutual Fund & Its
Types
General Human Life
Cycle
PortFolio for All 4 Age Group
Steps in Retirement
Plan
Major factors to be
Considered
Benefits of Starting Early
UTI Plan HDFC PlanTATA &
Templeton Plans
Queries BibliographyReturn Rate of
Each Plan
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Mutual fund
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Type of Mutual Fund
Schemes
StructureInvestment Objective
Special Schemes
Open Ended Funds
Close Ended Funds
Interval Funds
Growth Funds
Income Funds
Balanced Funds
Money Market Funds
Industry Specific Schemes
Index Schemes
Sectoral Schemes
Types of Mutual Funds
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.
Education Earning Years Post Retirement Years
Phase I Phase II Phase III
Age- 22 yrs Age- 60 yrs
Marriage
Child birth
Child’s Education
Child’s Marriage
Housing
22 yrs 38 yrs 10- 20 yrs
Stages
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18 - 25 26-35
36-45 46-55
85%
5%
10%
70%
20%
10%
65%35%
5%
Ideal Portfolio for 4 Different Age Groups
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Benefits of Starting Early
Amount Needed on Retirement
Started Investing on (Age)
Rate of Return
Monthly Investment Reqd
6.3 Crores 35 12% Rs 17,800
6.3 Crores 25 12% Rs 9,700
Early start
Lot less to Invest to achieve same corpus
Freedom to take risks
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Factors to be considered for Retirement Plan Investment
Years left for your retirement
Money you need at retirement
Risk-taking ability
Monthly income you will need to sustain your current lifestyle
No Matter what, We have Mutual Funds for Every Need
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Inflation
Year Inflation %
1950’s 1.2%
1960’s 6.4%
1970’s 9.0%
1980’s 8.0%
1990-91 10.3%
1991-97 9.6%
1997-03 4.6%
2003-07 5.5%
*2010-11 9.6%
EXPENSES ON THE RISE BECAUSE OF
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Asset Allocation
Retirement Corpus
Equity Debt
Cash
Monitoring Plans
Set Financial GoalsUnderstand your client
STEPS IN RETIREMENT PLANNING
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UTI Retirement Benefit Pension Plan
SHRIRAM TRANSPORT FINANCE CO.LTD.
POWER FINANCE CORPORATION LTD
BMW INDIA FINANCIAL SERVICES PVT LTD.
TATA POWER COMPANY LTD.
SHRIRAM CITY UNION FINANCE LTD.
Top Holdings
Pioneer in Retirement Plan in Mutual Fund – Started in 1994
Open Ended
Debt- Oriented
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UTI Retirement Benefit Pension Plan – Asset Allocation
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For Last 3Months
For Last 5Years
UTI Retirement Benefit Pension -Performance
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Economic Times4 july 2013
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HDFC Life Guaranteed Pension plan
Guaranteed Additions of 3% of sum assured get accrued for each completed policy year
A lump sum Vesting Addition payable at vesting
Premium payment term of 5, 7 and 10 years
Policy term ranging from 10 to 20 years
This plan can be taken only on a single life basis
Features:
Eligibility:
Entry Age 35 – 65 Years
Age at Maturity ( Vesting ) 55 – 75 Years
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HDFC Life Guaranteed Pension plan- Advantages
•Limited premium paying term with assured benefit on death or at vesting
•On vesting, purchase an annuity from us and enjoy lifetime income- post retirement
•Get a lump sum vesting benefit which is a sum of sum assured on vesting, Guaranteed Additions as well as Vesting Addition
•Assured Death Benefit of total premiums paid to date accumulated at a guaranteed rate of 6% per annum compounded annually
•Tax benefit on premiums paid under section 80 CCC of the Income Tax Act, 1961
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Templeton India Pension Plan – 1997 Equity – 40%
Debt – 60%
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Comparison of Plans
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Comparison of Plans
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Comparison of Plans
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Tata Retirement Savings Progressive Direct - PerformanceFor last 3 Month
For last 5 Years
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Templeton India Pension Direct - Performance For Last 3Months
For last 5Years
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Investing Rs.3,500 on Plan
UTI Retirement Benefit Pension Plan Templeton India Pension DirectTATA Retirement Savings – Progressive HDFC Life Guaranteed Pension Plan
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Bibliography
http://smartinvestor.business-standard.com/
http://www.utimf.com
http://businesstoday.intoday.in
http://www.moneycontrol.com
http://www.indiainfoline.com
http://economictimes.indiatimes.com
http://youtube.com
http://www.hdfclife.com
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Any Queries
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Thank you For Watching
ET Fin Pro Module - 3