Mr. Paresh Rawal , Age 35, has monthly saving of Rs.3,500 /-, he would like to invest in Mutual Fund as part of his Retirement Plan. Suggest 4 Real time Examples.

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Batch Code: HYD01AA0213

Praveen Kumar E1300310000114

Silambarasan ElangoE1300310000132

KowsarE1300310000129

Bhavana E1300310000126

Faculty Vishwanathan Ramakrishnan

Presented By

Contents

What is Mutual Fund & Its

Types

General Human Life

Cycle

PortFolio for All 4 Age Group

Steps in Retirement

Plan

Major factors to be

Considered

Benefits of Starting Early

UTI Plan HDFC PlanTATA &

Templeton Plans

Queries BibliographyReturn Rate of

Each Plan

Mutual fund

Type of Mutual Fund

Schemes

StructureInvestment Objective

Special Schemes

Open Ended Funds

Close Ended Funds

Interval Funds

Growth Funds

Income Funds

Balanced Funds

Money Market Funds

Industry Specific Schemes

Index Schemes

Sectoral Schemes

Types of Mutual Funds

.

Education Earning Years Post Retirement Years

Phase I Phase II Phase III

Age- 22 yrs Age- 60 yrs

Marriage

Child birth

Child’s Education

Child’s Marriage

Housing

22 yrs 38 yrs 10- 20 yrs

Stages

18 - 25 26-35

36-45 46-55

85%

5%

10%

70%

20%

10%

65%35%

5%

Ideal Portfolio for 4 Different Age Groups

Benefits of Starting Early

Amount Needed on Retirement

Started Investing on (Age)

Rate of Return

Monthly Investment Reqd

6.3 Crores 35 12% Rs 17,800

6.3 Crores 25 12% Rs 9,700

Early start

Lot less to Invest to achieve same corpus

Freedom to take risks

Factors to be considered for Retirement Plan Investment

Years left for your retirement

Money you need at retirement

Risk-taking ability

Monthly income you will need to sustain your current lifestyle

No Matter what, We have Mutual Funds for Every Need

Inflation

Year Inflation %

1950’s 1.2%

1960’s 6.4%

1970’s 9.0%

1980’s 8.0%

1990-91 10.3%

1991-97 9.6%

1997-03 4.6%

2003-07 5.5%

*2010-11 9.6%

EXPENSES ON THE RISE BECAUSE OF

Asset Allocation

Retirement Corpus

Equity Debt

Cash

Monitoring Plans

Set Financial GoalsUnderstand your client

STEPS IN RETIREMENT PLANNING

UTI Retirement Benefit Pension Plan

SHRIRAM TRANSPORT FINANCE CO.LTD.

POWER FINANCE CORPORATION LTD

BMW INDIA FINANCIAL SERVICES PVT LTD.

TATA POWER COMPANY LTD.

SHRIRAM CITY UNION FINANCE LTD.

Top Holdings

Pioneer in Retirement Plan in Mutual Fund – Started in 1994

Open Ended

Debt- Oriented

UTI Retirement Benefit Pension Plan – Asset Allocation

For Last 3Months

For Last 5Years

UTI Retirement Benefit Pension -Performance

Economic Times4 july 2013

HDFC Life Guaranteed Pension plan

Guaranteed Additions of 3% of sum assured get accrued for each completed policy year

A lump sum Vesting Addition payable at vesting

Premium payment term of 5, 7 and 10 years

Policy term ranging from 10 to 20 years

This plan can be taken only on a single life basis

Features:

Eligibility:

Entry Age 35 – 65 Years

Age at Maturity ( Vesting ) 55 – 75 Years

HDFC Life Guaranteed Pension plan- Advantages

•Limited premium paying term with assured benefit on death or at vesting

•On vesting, purchase an annuity from us and enjoy lifetime income- post retirement

•Get a lump sum vesting benefit which is a sum of sum assured on vesting, Guaranteed Additions as well as Vesting Addition

•Assured Death Benefit of total premiums paid to date accumulated at a guaranteed rate of 6% per annum compounded annually

•Tax benefit on premiums paid under section 80 CCC of the Income Tax Act, 1961

Templeton India Pension Plan – 1997 Equity – 40%

Debt – 60%

Comparison of Plans

Comparison of Plans

Comparison of Plans

Tata Retirement Savings Progressive Direct - PerformanceFor last 3 Month

For last 5 Years

Templeton India Pension Direct - Performance For Last 3Months

For last 5Years

Investing Rs.3,500 on Plan

UTI Retirement Benefit Pension Plan Templeton India Pension DirectTATA Retirement Savings – Progressive HDFC Life Guaranteed Pension Plan

Bibliography

http://smartinvestor.business-standard.com/

http://www.utimf.com

http://businesstoday.intoday.in

http://www.moneycontrol.com

http://www.indiainfoline.com

http://economictimes.indiatimes.com

http://youtube.com

http://www.hdfclife.com

Any Queries

Thank you For Watching

ET Fin Pro Module - 3