Reliance Retirement Fund

Reliance Retirement Fund
Lambi Innings Ki Taiyari
AMIT M. SURPURIYA
Mobile: 9850873688
email : asurpuriya@gmail.com
www.kshitijfinancial.com
www.kshitijfinancial.
com

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
individuals income would have stopped.
YET THE NEED TO MAINTAIN SIMILAR
LIFE STYLE EXISTS
Why Retirement Planning is pertinent ?

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 ones total
savings.
Also, 78% Indians dont have enough for comfortable
retirement.
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.
Need for Retirement Planning

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

Perils of Inflation The Silent Devil
Inflation not only reduces the current purchasing
power but also increases the savings requirement
for future.
Inflation
Rate
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
Why it is important to save ?

Its 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.

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

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.

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
Reliance
Mutual 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 Period
5 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: asurpuriya@gmail.com
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

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Reliance Retirement Fund

Lambi Innings Ki Taiyari