reliance retirement fund

www.kshitijfinancial.com

AMIT M. SURPURIYAMobile: 9850873688

email : [email protected]

Reliance Retirement Fund

Lambi Innings Ki Taiyari



Your future is created by what you do today, not tomorrow.

To enjoy a long, comfortable retirement, SAVE MORE TODAY


Why Retirement Planning is pertinent ?

• A 30-30 rule of thumb says an individual earns for 30 years, to provide for 30 years of post-retirement life where the individual’s income would have stopped.

YET THE NEED TO MAINTAIN SIMILAR LIFE STYLE EXISTS


• An expenses of Rs.1 Lakh would be nearly 7 times more in 30 years due to inflation. (Assuming inflation rate of 7% p.a.)

• Indian demographics depicts trend of > Higher life expectancy > Increasing trend of nuclear family > Absence of comprehensive social security system.

Yet, Retirement funds account for only 12% of one’s total savings.

Also, 78% Indian’s don’t have enough for comfortable retirement.

Why Retirement Planning is pertinent ?


Need for Retirement Planning

• Pay Cheques stop coming• Break-up of Joint Family System• Absence of Universal Social Security System• Inflation – the silent devil• 60 is not old anymore• Sky Rocketing medical expenses• No-one like to be dependent• Retirement – second inning of life.


• Hence, it is important to Save & Accumulate prudently for Enjoying your post retirement life.

Need for Retirement Planning


Why it is important to save ?

InflationRate 5 yrs 10 yrs 15 yrs 20 yrs 25 yrs 30 yrs

6 133822 179085 239655 320714 429187 574349

7 140255 196715 275903 386968 542743 761225

8 146932 215892 317217 466095 684847 1006265

9 153862 236736 364248 560441 862308 1326767

Perils of Inflation – The Silent DevilInflation not only reduces the current purchasing power but also increases the savings requirement for future.


• It’s not only important to save but to “INVEST”

• Different investment options gives different rate of returns depending upon the risk return characteristics. Thus, a small difference in rate of return results in huge difference in the resultant earning.

Why it is important to save ?



• Reliance Retirement Fund, a 5 years open ended notified tax savings cum pension scheme with no assured returns.

• The fund will have 2 schemes: (Both the schemes will have separate portfolio) – 1. Wealth Creation Scheme 2. Income Generation Scheme



• Investment objective: The investment objective of the scheme is to provide capital appreciation and consistent income to the investors which will be in line with their retirement goals by investing in a mix of securities comprising of equity, equity related instruments and fixed income securities. However, there can be no assurance or guarantee that the investment objective of the Scheme will be achieved



• Wealth Creation Scheme: The Wealth Creation Scheme, under normal market conditions, will invest its net assets primarily in Equity and equity related instruments and balance in fixed income securities, money market instruments and cash equivalents. For investments in equity and equity related securities, the Wealth Creation Scheme would identify companies for investment, based on the following criteria amongst others: Sound Management, Good track record of the company, Potential for future growth, Industry economic scenario


Reliance Retirement Fund• Income Generation Scheme:

The fund management team will endeavor to maintain a consistent performance in Income Generation Scheme by maintaining a balance between safety, liquidity and profitability aspects of various investments. The fund manager will try to achieve an optimal risk return balance for management of the fixed income portfolios. The fund management team will take an active view of the interest rate movement by keeping a close watch on various parameters of the Indian economy, as well as developments in global markets. Investment views / decisions will be taken on the basis of the following parameters: Prevailing interest rate scenario, Quality of the security / instrument, Maturity profile of the instrument, Liquidity of the security, Any other factors in the opinion of the RETAIL RESEARCH 2 Quality of the security / instrument, Maturity profile of the instrument, Liquidity of the security, Any other factors in the opinion of the fund management team.


Reliance Retirement Fund• Fund Manager: The scheme will be jointly managed by

Mr. Sanjay Parekh , Ms. Anju Chajjer & Ms. Jahnvee Shah.

Mr. Parekh is a B.Com (H) and Chartered Accountant. Prior to joining Reliance Mutual Fund he has worked with ICICI Prudential MF, Ask Investments Lilladher, Sunidhi Consultancy Services, Insight Asset Management and Capital Market Magazine.

Ms. Chajjer is a B.Com (H) and a Chartered Accountant. Prior to joining Reliance Mutual Fund Ltd. as a fund manager, she has worked with National Insurance Company as a Money Maker Instruments and D.C Dharewa & Co.

Ms. Shah is a B.Sc and an MBA (Finance). Prior to joining RelianceMutual Fund she has worked with Financial Express.



• Type of Scheme: Open ended notified tax savings cum pension scheme.

• Plan & Options: – Growth Plan – Dividend Plan – Payout Option



• Minimum Application Amount: – Lump sum: Rs.5000 & in multiply of Rs.500– Monthly SIP : Rs.500 & in multiple of Rs.500– Quarter SIP: Rs.1500 & in multiple of Rs.500– Annual SIP : Rs.5000 & in multiple of Rs.500

• Lock-in Period5 years in the scheme from the date of allotment



• Wealth Creation Option: – Large Cap: 63 %– Mid Cap: 24%– Small Cap: 13%


Contact us …

• For more information & details

Contact:

Amit Surpuriya

Mobile: 9850873688

Email: [email protected]


Reliance Retirement Fund - Portfolio

Company Sector % Assets

HDFC Bank Financial 8.68

HDFC Financial 4.80

Sundaram-Clayton Automobile 4.41

ICICI Bank Financial 4.12

Axis Bank Financial 4.08

Maruti Suzuki India Automobile 3.49

Infosys Technology 3.17

Tata Motors DVR Automobile 2.90

TV18 Broadcast Services 2.86

Sun Pharmaceutical Inds. Healthcare 2.70

IDFC Financial 2.52

Cummins India Engineering 2.49

TVS Motor Co. Automobile 2.48

Reliance Industries Energy 2.22

Aditya Birla Nuvo Diversified 2.10

Rico Auto Inds. Automobile 1.96

Intellect Design Arena Technology 1.87

M&M Financial Services Financial 1.74

Coal India Energy 1.67

Indian Oil Corp. Energy 1.67


Thank You !!

Happy Investing

reliance retirement fund

Documents