Secure your golden years with Retirement Fund

(As on date 18^th Jan, 2021)

We work hard through our professional career so that we can enjoy the fruits of our hard work when we retire. However, by the time you retire, you need to have a decent retirement corpus so that you do not have to worry about the fact that you will be living on a fixed budget. If you are good at financial planning, you may have already allotted some portion of your savings towards your investments. But in case you did not, do not worry. You can still invest in a retirement fund and give yourself a chance of earning capital appreciation in the long run.

Yes, we say in the long run because to build a retirement corpus, one may have to also have a long investment horizon. In order to make sure that you do not have to financially depend on your children or your estranged relatives in your golden years, you may have to build a commendable corpus. Investing is a long journey. Some are under the false pretext that savings alone are enough to secure our future financially. However, savings may not be able to help an individual attain financial stability. Factors like inflation may eat up your savings and hence, it is better that one starts investing.

The earlier you start investing the better it is. When you have more time in hand, your investments can benefit from the power of compounding. You need time to grow to turn into a decent retirement corpus. Hence, early investing is the key to building wealth. Investors should always determine their risk appetite before investing their hard earned money in any type of scheme. There are some investment avenues that offer fixed interest rates. However, these avenues offer interest rates that are generally on the lower side. One may or may not be able to build a decent retirement corpus by only investing in such conservative avenues.

If you are someone who is keen on investing to seek long term capital appreciation through investments in market linked schemes, you can consider investing in a retirement fund.

Plan your retirement with Axis Retirement Fund

Axis Retirement Fund is an open-ended retirement solution oriented scheme having a lock-in of 5 years or till retirement age (whichever is earlier). It aims to build a corpus that can allow them financial stability and security during their post-retirement life.

Axis Retirement Fund offers three investment plans -

Axis Retirement Fund - Aggressive Plan: Aggressive plan can be opted by investors who are seeking capital appreciation with a long term investment objective. Here investments are predominantly made in equity and equity-related instruments as well as debt, money market instruments, Gold ETFs and units of REITs and InvITs. Investors who plan to opt for the Aggressive Plan can expect equity exposure anywhere from 65% to 80%.

Axis Retirement Fund - Dynamic Plan: Dynamic investment plan is brought into effect with a dual objective. Axis Retirement Fund - Dynamic Plan can generate capital appreciation by investing in equity and equity-related securities as well as generate income by investing in debt and money market securities. It manages to do this while attempting to manage risk from the market through active asset allocation. The Investment Plan may also invest in units of Gold ETF or units of REITs & InvITs.

Axis Retirement Fund - Conservative Plan: Conservative investment plan by Axis Mutual Funds hopes to generate regular income through investments majorly in debt and money market instruments and to generate long term capital appreciation by investing a certain portion of the portfolio in equity and equity-related securities. Axis Retirement Fund - Conservative Plan may also invest in units of Gold ETF or units of REITs & InvITs.

Now that you know the importance of retirement planning, have you decided to make it an integral part of your financial plan? However, investors should bear in mind that investments made in market linked schemes are exposed to the market's volatile nature. Hence, returns from these investments are never guaranteed. Investors should only invest in a mutual fund scheme if the investment objective of the scheme aligns with theirs. Also, every investment scheme carries a different risk profile. Hence, it is better that investors read the offer document carefully and determine their risk appetite before taking the final investment decision. If you are someone who is entirely new to the world of mutual fund investing and think that you need further assistance, feel free to consult a financial advisor.

Axis Retirement Fund
(An open-ended retirement solution oriented scheme
having a lock-in of 5 years or till retirement age (whichever is earlier)).

Mutual Fund Investments are subject to market risks, read all scheme related documents carefully.