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The information and data contained in this Website do not constitute distribution, an offer to buy or sell or solicitation of an offer to buy or sell any Schemes/Units of Aditya Birla Sun Life Mutual Fund (ABSLMF), securities or financial instruments in any jurisdiction in which such distribution, sale or offer is not authorised. In particular, the information herein is not for distribution and does not constitute an offer to buy or sell or the solicitation of any offer to buy or sell any securities or financial instruments in the United States of America ("US") and Canada to or for the benefit of United States persons (being persons resident in the US, corporations, partnerships or other entities created or organised in or under the laws of the US or any person falling within the definition of the term "US Person" under the US Securities Act of 1933, as amended) and persons of Canada.
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The plan aims to invest predominantly in equity and equity related instruments with marginal allocation to debt and money market instruments.
The primary investment objective of the Scheme is income generation and capital appreciation for its investors which will be in line with their retirement goals by investing in a mix of equity, equity related instruments along with debt and money market instruments.
The Scheme does not guarantee/indicate any returns. There can be no assurance that the schemes’ objectives will be achieved.
Total Experience : 13 years
Total Experience : 22 years
Retirement is an inevitable part of every individual’s life and when one retires one needs a dedicated retirement fund to meet the expenses which they incur after retirement. Besides meeting post retirement expenses, many individuals also want to create a legacy for their loved ones and so try and build a corpus for the same. Either for meeting the lifestyle expenses after retirement or for creating a legacy, retirement planning becomes essential. To ensure that one has substantial corpus at the time of retirement, the building blocks should be laid when the individual has an active working life and can save for retirement.
Aditya Birla Sun Life Retirement Fund – The 40s Plan is a specially created investment scheme which aims to create a substantial corpus for the investor when he/she retires. The scheme is meant for individuals in their 40s who have around 20 years to plan for their retirement. When individuals are in their 40s, their disposable income might be high. This high income can be channelled in equities and debt instruments with an aim to yield a reasonable corpus by the time of retirement. This scheme, therefore, aim to invest 65% to 80% of the fund in equity &equity related instruments and the remainder in debt and money market instruments. A high equity exposure aim for reasonable returns and the mix of debt gives the fund some stability.
This scheme also provides investors with an option to opt for trigger facility which changes the asset allocation of the portfolio as the investor steps into another age bracket. To illustrate, when the investor crosses 50 years of age, the investment in the 40s plan is shifted to the 50s plan so that the corpus is managed keeping in mind the remaining time to retirement and the changing risk profile of the investor. The Fund Benchmark is CRISIL Hybrid 35+65 -Aggressive Index.
An open-ended retirement solution oriented scheme having a lock-in of 5 years or till retirement age (whichever is earlier)
*We recommend investors to consult their financial advisers in case of doubt about whether the product is suitable for them.
*Second Income/Regular Income/Monthly Income is not assured and is subject to availability of distributable surplus. Dividend distribution in the form of regular income to individual investors is subject to dividend distribution tax (DDT) of 13.5188% which is deducted by the fund house. For individual nature of tax implications, investors are requested to consult their tax advisors before investing.
**The portfolio of the scheme is subject to changes within the provisions of the Scheme Information Document. Please refer to the Scheme Information Document for asset allocation, investment strategy, and risk factors.
+Investors should note that declaration of dividends is at the discretion of Trustees and subject to availability of distributable surplus and there is no guarantee or assurance on the frequency or quantum of dividends. The NAV of the scheme pursuant to a payout of the dividend would fall to the extent of the payout and statutory levy (if applicable). For individual nature of tax implications, investors are requested to consult their tax advisor before investing.