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Overview on TATA Retirement Savings Fund

This presentation gives an investor a clear overview and covers the the most relevant topics of TATA Retirement Savings Fund, like - Why Is it Necessary to Plan a Retirement?, How Can Mutual Funds Help in Retirement Planning?, Overview on all types of TATA Retirement Savings Fund i.e. its Progressive, Moderate, and Conservative Plans. Also covers the TATA Retirement Savings Fund 's Features and Fund Managers.

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Overview on TATA Retirement Savings Fund

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  1. TATA Retirement Savings Fund Save Today for a Better Tomorrow!

  2. Why Is it Necessary to Plan a Retirement? • To achieve financial independency in old age. • To beat the increasing inflation rate. • To fulfil your dreams that couldn't be achieved in younger days due to work obligations. • You can take care of your family needs better. • With financial security comes peace of mind. Thus, increasing your life expectancy.

  3. How Can Mutual Funds Help in Retirement Planning? • Savings Habit: Mutual Fund allows periodic investment in schemes through SIP mode of investment. Thus, along with developing the savings habit an investor also becomes free from financial burden. • Safer Investment Vehicle: Mutual Funds are a safer mode of investment than the other options available. A long term investment perspective in mutual fund dilutes the worry of timing the market. • Better Returns than Savings Account: Mutual Funds for retirement provides high returns from the savings account. Thus, generating more wealth for the investors.

  4. TATA Retirement Savings Fund • TATA Retirement Savings Fund falls under the category of aggressive hybrid funds which diversify the assets in the debt and equity market according to the risk-appetite and the current stage of an investors' life. • The schemes offers 3 plans to the Indian investors for planning the retirement: • Progressive Plan • Moderate Plan • Conservative Plan • Lets us have an overview about the different plans in the upcoming slides.

  5. TATA Retirement Savings Fund- Progressive Plan • TATA Retirement Savings Fund- Progressive Plan invests 85%-100% of the assets in the equities and 0%-15% in the debt and money market instruments. • The idea behind the investment philosophy is that an investor under the age of 45 years can resist more risk in search of superior returns. Thus, equities occupies more percentage of asset allocation in the portfolio. • Suitable for high risk takers.

  6. TATA Retirement Savings Fund- Moderate Plan • TATA Retirement Savings Fund- Moderate Plan invests 65%-85% of the assets in the equity market and 15%-35% in the debt market. • By investing significant portion of assets in the debt instruments, an investor can enjoy risk-adjusted returns in the long run. • A good pick for the investors in the age of 45 to 60 years. • Suitable for moderately-high risk takers.

  7. TATA Retirement Savings Fund- Conservative Plan • TATA Retirement Savings Fund- Conservative Plan was introduced for the conservative investors. • Conservative investors' cannot afford to expose their corpus towards risk therefore, the debt instruments holds the maximum percentage of asset allocation. • The plan invests 70%-100% of the corpus in the debt market whereas the equity market occupies 0%-30% of the assets. • Low risk takers above the age group of 60 years are the suitable candidate for the scheme.

  8. TATA Retirement Savings Fund: Salient Features • Auto-Switch Facility: TATA Retirement Savings Fund provides an auto-switch feature that frees the investors from the burden of switching the plan according to the age bracket. The auto-switch happens in the following ways: • Progressive to Moderate Plan: The switch happens when the investor attains the age of 45 years. • Moderate to Conservative: The change occurs when an investor reaches the age of 60 years. • Auto-SWP Facility: An investor can wish to have regular cash inflows for meeting his financial needs. • Load-Free Facility: An investor can switch from one plan to another without paying any exit load for six times after the completion of investment tenure of 5 years.

  9. TATA Retirement Savings Fund: About the Fund Managers • Mr. SonamUdasi: He is the senior fund manager at TATA Asset Management Company and holds 22 years of experience in equity research and portfolio management. Mr. Udasi holds a Post Graduation Diploma in Business Administration, specializing in Finance. • Ms. EnnetteFernandes: With 10 years of experience in the mutual fund industry, Ms. Fernandes is a suitable candidate who can take care of the investors' money. She is a B.Com graduate and have also earned a Post Graduate Diploma in Business Management (Finance). • Mr. Murthy Nagarajan: He is the head of fixed income holding more than 22 years of experience in the debt market. He holds a Master of Commerce Degree along with a Post Graduation in Business Administration.

  10. Conclusion • Planning for retirement is the most crucial step in life for a better retirement experience. If an investor want to enjoy the second-innings of life better then it becomes necessary that he should take small steps in achieving the goal. Thus, according to your age bracket start investing in the plans of TATA Retirement Savings Fund which is one of the best mutual funds for retirement planning.

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