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How to Invest in Mutual Funds For Retirement?

Retirement planning is one of the most important aspects of your life.<br>This presentation will give you a better understanding of how mutual funds(https://www.edelweiss.in/oyo/mutualfund) can help you in your post-retirement life.

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How to Invest in Mutual Funds For Retirement?

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  1. How to invest in mutual funds for retirement

  2. Introduction Any investment is a good investment because it inculcates the discipline of saving regularly. Investments allow you to save enough for the future. Retirement funds can be a smart option to diversify an investor’s portfolio. Retirement planning refers to saving a dedicated amount from your regular income to help attain financial independence post-retirement. If you want to increase your chances of growing your retirement corpus, you can consider investing in retirement mutual funds.

  3. How to invest in mutual funds post retirement Invest in retirement funds through SIP Systematic Investment Plan or SIP is a systematic approach where an investor can invest a fixed amount at regular intervals in an investment scheme. When an investor chooses to pay his/her premium through SIP, a fixed amount is debited from their debit account. SIP works in an electronic format. Hence, the investor doesn’t need to pay his/her premium manually.

  4. Advantages of investing through sip post retirement • 1. Inculcates the discipline of saving regularly • SIP investments are made at regular intervals, and the amount is automatically debited from an individual’s account. This disciplinary approach of regular investments is of significant advantage to the investor as he/she doesn’t need to track the market actively. • 2. Hassle-free process • Another positive thing about SIP is that it’s a convenient process. All an investor needs to do is to inform his/her bank to enable auto-debits. This way, the investor doesn’t need to go manually and pay his/her premium; everything happens electronically. • 3. Rupee Cost Averaging • Investing in mutual funds via SIP outcomes in all your savings getting secured by Rupee cost averaging. Rupee cost averaging can aid an investor beat market fluctuations and makes his/her investment almost risk-free. When the stock prices are low, SIP automatically allocates an investor number of units and allots lesser units when the stock prices go up, therefore averaging out his/her savings.

  5. 4. Benefit from the power of compounding • Power of compounding refers to earning profits by investing your profits. SIPs allow your investment to grow further by reinvesting your initial investment. To make most out of compounding in mutual funds, one must begin investing early. • 5. Own more stocks in small quantities • Generally, investors must have surplus cash if they decide to purchase equities. But when you invest in mutual funds, you end up owning these stocks in small quantities with just a few thousand rupees. 

  6. conclusion • Mutual funds are more transparent as compared to pension plans as you can easily access all the information that you want regarding a mutual fund. Post-retirement life requires you to have a stable source of income to be able to continue your lifestyle. With the help of mutual funds, you can easily plan for a secure future and minimise the risks involved.

  7. THANK YOU

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