AUM in Cr 33.76
Retirement life is termed as second innings of one’s life after years of hard work. One gets time to fulfil long cherished dreams like travelling and pursuing a hobby like music or sports. A comfortable retirement life requires regular income which needs to be planned during working years only. Start early and invest in best mutual funds for retirement to ensure a regular flow of income for whole life.
L&T MIDCAP FUND - REGULAR - GROWTH
Equity - MID CAP
FRANKLIN INDIA INCOME OPPORTUNITIES FUND - GROWTH
Debt - SHORT TERM INCOME
PRINCIPAL HYBRID EQUITY FUND - GROWTH
Equity - BALANCED
MIRAE ASSET HYBRID - EQUITY FUND - REGULAR - GROWTH
EDELWEISS MULTI-CAP FUND - REGULAR - GROWTH
Equity - FLEXI CAP
TIP : Retirement fund should be at least 200 times of required monthly income.
Create and invest in better and personalised portfolio by discussing your profile, financial goals, existing investments and tax status with qualified and experienced Investguru Advisory Team.
In a dynamic world, regular monitoring of fund performance and progress of financial goals is critical for financial success. Track and manage your investments with ease through Investguru’s Advanced Online Portfolio Tracker.
Get periodic portfolio review report and action plan from your dedicated Investguru Investment Advisor on personal basis. The alerts and notifications for asset re-balancing, financial goals completion, change in fund and more are provided online through the Investguru’s Advanced Online Portfolio Tracker.
Early the better. It is never too early to start planning and saving for retirement.
Today’s monthly expenses has to be adjusted with inflation to know the cost of monthly requirement at retirement. The corpus is to be accumulated by the time of retirement which can provide income for next 20-25 years.
After knowing the corpus requirement at retirement, you may start with monthly or lumpsum investment that suits your budget. You may later increase your investments to fill the shortfall, if any.
The best investment options vary for each investor and are dependent upon investor’s current age, availability of funds and risk taking capacity of the investor.
Mutual fund investments are regulated by government through SEBI. Risk/safety in mutual funds depends upon the type of fund in which investments are made.
Rate of return on investments depends upon the type of investment chosen. In safer funds/investments, the historical returns have been 8-9% per annum while in growth investments, 12-15% returns can be expected over a period of 5 years and more.
The amount accumulated at the time of retirement is to be invested in such a way that it can generate regular income for an investor for next 20-25 years which get credited regularly to investor’s account through systematic withdrawal plan (SWP).
Your mode of investment shall depend upon availability of funds. However, for retirement planning, a combination of lumpsum and monthly investment is suggested.
When we invest a fixed amount on a predefined interval in a mutual fund scheme, it is called systematic investment plan (SIP). E.g. Investing 2000/- per month on 10th of every month.
To start a SIP investment, one cheque is required with application form which also includes ECS mandate form. As the ECS mandate gets registered with the bank, the fixed SIP amount starts getting deducted every month on the chosen date directly from bank account.
Aadhar and PAN card of the investor are mandatory. Investment can be made through investor’s bank account only.
Rebate under section 80C is available for certain type of funds.
SIP can be stopped anytime at one month notice to mutual fund company. Amount already invested till the SIP stopped will remain invested until withdrawn.
Yes, more amount can be added to existing investments anytime.
The money can be withdrawn in case there is an extreme emergency from funds which do not have a lock-in period, subject to exit load or taxes, if applicable.
Taxation on gains is dependent upon various factors and can be discussed individually with the financial advisor.
All investments are subject to market risk. However, our researchers make sure that your investments reap you the best possible returns. At any time, if the fund is not performing up to our expectations, we will review and revise your portfolio in order to continue to get the desired result.
In case of an unfortunate event, the investment is transferred on nominee’s name after completion of required documentation.
A qualified and experienced mutual fund advisor appointed by Investguru manages your portfolio and answers all your queries over your investment journey.
Investguru provides you an online portfolio tracker to view, analyse and manage your investments.
Investguru works as your personal financial advisor. It first understand your needs and suggests you well researched investments on the basis of your current investment profile and future financial needs(goals). It helps you in making these investments online or through physical forms and monitors them on periodical basis.
Investguru believes in reviewing every bit of money invested on regular intervals in order to keep up with the market. Your personal advisor will review your portfolio periodically and suggest you the changes for your portfolio, if needed.
Investguru provides a comprehensive online portal for you to plan and manage your investments better. Our online services helps you investment planning, analysis and updates, keeping track of portfolio progress and providing suggestive changes in your portfolio in line with your personal financial goals.
All investments are subject to market risk. However, our researchers make sure that your investments reap you the best possible returns. At any time, if the investment is not performing up to our expectations, we will review and revise your portfolio in order to continue to get the desired result.
InvestGuru does not charge any advisory fee from the clients. Investguru is directly remunerated by the fund houses and insurance companies.
InvestGuru works with you as your personal financial advisor. We recommends you to invest through us so that we provide the right advice in the beginning and can also keep track of your investments to support you throughout your investment period.
You can redeem your investments either online through your login id and password or by submitting physical forms. You may also let us know your requirement and we will help you to complete the documentation required for redemptions. After the redemption is made, you shall receive the money from the fund house/insurance company directly in your bank account, or through cheque(in some cases).
In that situation, your investments will still be safe and continue to perform as the your money is invested with SEBI registered mutual fund companies or IRDAI regulated insurance companies. The money is not invested or given to Investguru. InvestGuru works as your financial advisor only who maintains and manages your investments as per your goals.
No, investguru does not hold any right to buy or sell funds on your behalf. However, if you express your desire to make changes to your investments portfolio, Investguru will recommend the desired changes and will guide you through the process of making such changes. Any change is possible only with your approval, whether given electronically or through physical forms.
There is no extra risk of investing through Investguru other than the inherent market risks that comes with any investment.