An open ended notified tax savings cum pension scheme with no assured returns

A 30-30 rule of thumb says an individual earns for 30 years, to provide for 30 years of post-retirement life where the individuals income would have stopped, yet the need to maintain similar life style exists.

You can only save a part of your income

You have expenses to take care of, dont you?

You need that saving to become big enough

To replace your regular income when you retire

Your accumulated assets should cover your expenses

Income should be adequate to maintain lifestyle

Inflation should not erode the income or corpus

Corpus should not be subjected to high investment risks

Your investments do the other part of the job by

Growth of asset for fighting inflation. Inflation is a silent Killer

Inflation not only reduces the current purchasing power but also increases the savings requirement for future.

The current expense will go up by approximately 7 times over next 30 yrs

At 7% your retirement assets will grow into Rs.61 lakh. At 15% your assets would have grown to

If over a 30 year period, the accumulated retirement corpus was Rs. 3.46 cr from a monthly SIP of Rs. 5000 at an assumed rate of 15%, then one can withdraw an

over next 30 yrs assuming that the corpus would grow at 10% post retirement

Reliance Retirement FundA one stopEquity & Debt Oriented Retirement Solution

Wealth Creation Schemefor Accumulation Phase

Income Generation Schemefor Distribution Phase

65 – 100% in Equity & equity related instruments

5 – 30% in Equity & equity related instruments

Accumulate using both SIP and lump sum over the earning years

Step UP Facility is available only during ongoing basis and not during NFO. A facility wherein an investor who has enrolled for SIP, has an option to increase the amount of the SIP Installment by a fixed amount at pre-defined intervals.

oUnlimited switch between schemesoExit load of 1% on redemption before age 60, subject to lock in period of 5 YrsAuto transfer to move from accumulation to distributionAuto Transfer is an optional facility wherein investors entire investment (Lump sum/SIP) shall be switched automatically from Wealth Creation Plan to Income Generation Plan (with nil exit load) at any date as specified by the investor (which is within or after the lock-in period) or upon completion of 50 years of age.Use systematic withdrawal plan (SWP) to use only what is needed after retirementoAuto SWP -This optional facility aims to provide a regular inflow of money to investors (monthly/quarterly/annual) by automatic redemption of units on or after 60 years of age.oManual SWP

As per the clause (xiv) of sub-section (2) of Section 80C of the Income Tax Act, 1961, individual investor will get tax deductions for investments up to Rs.1.5 lakh in a Financial Year

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