POST RETIREMENT PORTFOLIO MANAGEMENT / RETIREMENT PLANNING

Nipun – Daily News and Market Round-Up
October 25, 2016

POST RETIREMENT PORTFOLIO MANAGEMENT / RETIREMENT PLANNING

>>The following options are strongly recommended for retirement planning / Investment for a Portfolio worth of Rs. 1,00,00000/- (Rupees one crore only).

OPTION I (SECURED OPTION) *

(i) Rs. 50,00000/- -Debt Fund/Treasury Advantages fund
/Income fund.
(Expected return@ 9 to 10% )

(ii Rs. 25,00000/- – MIP’s Of Mutual Fund.
(Expected Return @ 10 to 12 %)

(iii)Rs. 25,00000/- – Balanced Fund.
(Expected Return @ 12 to 16 %)
(Tax Free after a year)

OPTION II (HYBRID OPTION)*

(i) Rs. 50,00000/- -Balanced Advantage category.
(Expected Return @ 12 to 16 %)

(ii) Rs. 25,00000/- -Dynamic Bond Fund
(Expected Return @ 9 to 12 %)

(iii)Rs. 25,00000/- -Equity savings Category.
(Expected return @ 12% & above (Tax Free)

OPTION III (ARBITRAGE CATEGORY FUND) * (No risk and tax free after a year)

(i) Rs. 50,00000/- – Arbitrage (pure)
(ii)Rs. 50,00000/- – Arbitrage equity & debt mix.

OPTION IV: – Park all money in Liquid fund and further systematic transfer to different asset class (Debt / Balanced /Equity fund) for next 6 month in different dates.

>>The recommendations are based on the present market scenario and economic conditions.

Debt categary

(a) Reliance Money Manager fund **
(b) ICICI Prudential Savings fund **
(c) Birla Sunlife Cash Manager Fund **
(d) SBI savings fund **
(e) DSP Black rock money manager fund **

MIPs

(a) Reliance Monthly Income Plan **
(b) ICICI Prudential Monthly Income Plan **
(c) Birla Sun Life Monthly Income Plan**
(d) DSP Black rock Monthly Income Plan**
(e) UTI Monthly Income scheme**

Balanced Fund

(a) Reliance Regular Saving fund Balanced Option *
(b) ICICI Prudential Balanced Fund.*
(c) Birla Sunlife Balanced 95 Fund. *
(d) DSP Black rock Balanced fund *
(e) IDFC Balanced Fund *

Equity Fund

(a) Reliance Top 200 Fund. *
(b) ICICI Prudential Value Discovery Fund.*
(c) Birla Sunlife Equity Fund.*
(d) DSP Blackrock Top 100 Equity fund.*
(e) IDFC Premier Equity fund*

Arbitrage (Pure)

(a) Reliance Arbitrage advantage fund.*
(b) Birla Sunlife Arbitrage fund.*
(c) SBI Arbitrage opportunities fund.*
(d) IDFC Arbitrage fund.*

Arbitrage & Equity

(a) ICICI Prudential Balanced Advantage fund*
(b) Birla Sunlife Balanced advantage fund*
(c) Reliance Equity Savings fund*
(d) DSP Black Rock Equity savings fund*
(e) SBI Equity Savings fund.*

NOTE: – * Tax Free (Tax free after a year)
** Indexation Benefit (after 3 years)

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