Retirement Solutions Funds

About

Retirement Mutual Funds are solution-oriented schemes designed to help investors build a long-term retirement corpus. These funds invest primarily in equity for growth and may gradually shift towards debt as retirement approaches (depending on scheme strategy).

Fund Type

Solution Oriented Schemes

Key Features

Long-term wealth creation for retirement planning.

Disciplined investing due to mandatory lock-in.

Suitable for investors with long investment horizon (10+ years).

Option of systematic investment (SIP) for gradual corpus building.

Taxation

STCG

If Equity Allocation is ≥ 65% Holding Period ≤ 12 months, 20% Tax on Gain. Otherwise as per Income Tax slap

LTCG

If Equity Allocation is ≥ 65% Holding Period > 12 months, 12.5% Tax on Gain. Otherwise as per Income Tax slap

Dividends Tax

As Per Income tax slab rates, TDS of 10% may be deducted by the fund house if dividend income exceeds ₹5,000 in a financial year.

Exemption Limit

If Equity Allocation is ≥ 65%. 1.25 Lakh on LTCG in financial year

Indexation

No Indexation

Allocation

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Equity and Equity Instruments

65%

Debt Instruments

35%

Equity & Equity-related instruments: Generally 65%–100% (in early years for growth) Debt & Money Market instruments: 0%–35% (may increase as retirement nears) Some schemes follow a life-stage or dynamic asset allocation strategy

Locked in Period

5 years or until retirement age (whichever is earlier)

Exit Load

Redemption allowed only after lock-in period No exit load after completion of lock-in Premature withdrawal is generally not permitted

Risk Associated

*If Equity Allocation ≥ 65%

Find the funds

Mutual Fund Investments are subject to market risks, read all scheme related documents carefully before investing. Past performance is not indicative of future performance.