Edelweiss Retirement Plan
A unique SIP with life stage based asset allocation to plan your retirement.
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Edelweiss Retirement Plan
What is Retirement Plan?
The Edelweiss Retirement Plan is a unique SIP plan which helps you create a long-term investment portfolio for your retirement years.
How does Edelweiss Retirement Plan work?
- The money that you invest is divided into a predefined asset allocation in your chosen debt and equity scheme of Edelweiss Mutual Fund.
- As you grow older and your comfort with risk changes, the plan gradually shifts your portfolio investments from high-risk instruments (equity) to relatively low-risk instruments (Debt).
- This ensures that at the beginning of your retirement planning journey you can benefit from the growth potential of equities and as you get closer to retirement, you can protect your portfolio through debt investments.
Why is Edelweiss Retirement Plan good for you?
- It invests your retirement money aligning to the required asset allocation at different ages.
- You can invest simply through an SIP mode thus building the discipline
- It is a simple and easy way to create a nice nest egg for your retirement period
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Basics Of Retirement Planning
Retirement is often idealised; it is visualized as a time when people are free to do what they want and pursue their life as they desire. However, the truth is that without the financial independence to do so, you will be leading a limited lifestyle. The private sector in India mostly does not provide pensions to employees and since the vast majority of the country works in the private or unorganised sector, it is up to the individual to carry out retirement planning.
5 Retirement Planning Steps for a Blockbuster Retirement
The ultimate investment goal should not just be retirement. It should be about having the financial security to retire peacefully and fulfil post-retirement goals.
Retirement Planning Tips for Couples
Marriage is the beginning of a new phase of life and as time passes, married couples evolve a shared sense of responsibility in all spheres, including personal finance. Spending your golden years together in relative comfort and security is the goal of most married couples. This requires good retirement planning that is oriented towards the needs of married couples
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Retirement Planning Calculator Frequently Asked Questions
Retirement plan mutual funds pool together money from multiple investors to purchase a diversified portfolio of stocks, bonds, or other securities. The goal of retirement plan mutual funds is to provide participants with a convenient and cost-effective way to save for their retirement years.
Yes, it is good for retirement planning it is a simple and easy way to create a nice nest egg for your retirement period.
For retirement planning, SIP will depend on years left for retirement. Longer the time period, investor can look into SIP investing in Midcap or Smallcap. The shorter the period for retirement, investor should more more large cap or hybrid funds for SIP investment. Secondly, choosing a scheme will also depend on individual risk appetite.
When choosing mutual funds, there are many factors to consider, but if you do your research and work with a financial advisor, you should be able to find the right fund for you. Before making any decisions, consider the fees, long term performance, and risk level.
Those planning to retire in their 60's would require around 60-80% of their pre-retirement monthly income during retirement. However, for early retirement, that figure is much higher. Using a retirement calculator Using a retirement calculator (give link) can give you a fair idea about how much money you need to save each month to fund a suitable retirement income. As an example, a 25-year old, who would like retire early at the age of 40 years and would like to have monthly income of Rs. 50,000 for 40 years, would need to save about Rs. 45,500 per month for 15 years assuming a 6% inflation, 12% returns and no current retirement savings.
To calculate retirement fund you need to enter monthly expenses, present age, life of expectancy then enter how much you expect investment returns and how much inflation you expect, post that enter assumed retirement age and expected inflation during retirement age, expected returns on retirement corpus and calculate it.
You can try our retirement fund calculator here : Online Retirement Planning Calculator India | Edelweiss MF
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