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RELIANCE RETIREMENT FUND
Lambi Innings Ki Taiyari
An open ended notified tax savings cum pension scheme with no assured returns
1st Notified Retirement Fund Also Having Equity Oriented Scheme
P o s i t i o n i n g
An open ended notified tax savings cum pension scheme with no assured returns
Reliance Retirement Fund has 2 Schemes (with separate portfolios)
Wealth Creation Scheme & Income Generation Scheme
Reliance Retirement Fund – Wealth Creation Scheme
Reliance Retirement Fund – Income Generation Scheme
PRODUCT LABEL
This product is suitable for investors who are seeking*:
• long term growth and capital appreciation
• investment primarily in equity and equity related instruments and
balance in fixed income securities so as to help the investor in
achieving the retirement goals
*Investors should consult their financial advisors if in doubt about whether
the product is suitable for them.
PRODUCT LABEL
This product is suitable for investors who are seeking*:
• Income over long term along with capital growth
• Investing primarily in fixed income securities and balance in equity
and equity related instruments so as to help the investor in achieving
the retirement goals
*Investors should consult their financial advisors if in doubt about whether
the product is suitable for them.
WHY? RETIREMENT PLANNING
30 years ago…the most
sought after
professionals of that
time, earned a top
income of..
Source: RNLAM Research
Rs. 2500 per month
Looks like a
very small
amount today,
doesn’t it?
The top income you earned
at the peak of your career,
will look very small too..
When you look back 30
years after your retirement
INFLATION IS A SILENT KILLER
TODAY AFTER 30 YRS
*Assumed inflation rate of 7% p.a
If you retired with
Rs.1 crore today 30 years later it would be
as if you had Rs.13 lakh
A 7-FOLD EROSION IN VALUE!
*Assumed rate of inflation 7% p.a
You prepare for the first 30 working years
Acquiring knowledge, skill and attitude
So you earn sufficient income and live a good life
30
YEARS
How well have
you prepared for
the next 30 years
into retirement?
NEXT
30 YRS
WELL PREPARED!
UK - $35,000
US - $27,000
AUSTRALIANS seem to have
done quite well with retirement
$43,000 of assets per citizen
Source: McKinsey CEO Roundtable Report 2014
ILL PREPARED
CHINA - $141
INDIA - $128
That is about Rs.8000 of assets per person,
set aside to fall back on after retirement
Source: McKinsey CEO Roundtable Report 2014, USD/INR Exchange Rate is 62.5
Retirement assets are just
15% of India’s GDP and
can’t go too far for a
country with 1.4 billion
people.
Retirement assets are
146% of Australia’s GDP!
15%
146%
Source: McKinsey CEO Roundtable Report 2014
We all need retirement planning since we…
Should expect to
live longer, thanks
to science and
medicine
Might not be
living with our
children, as
our
elders did
Do not have any
government
sponsored social
security
May need a
good cushion
for health care
as we age
HOW? RETIREMENT PLANNING
Accumulation
Retirement planning involves two distinct phases:
Distribution
The phase when you
build retirement assets
The phase when you use
retirement assets
You build in the first 30 years
You enjoy the benefits in the next 30 years
• You can only save a part of your income You have expenses to take care of, don’t you?
• You need that saving to become big enough
To replace your regular income when you retire
• Your accumulated assets should cover your expenses
Which will grow each year due to inflation
Accumulation Challenge
This is why you need an aggressive
plan to accumulate retirement assets
• You do one part of the job by
setting aside as much as you can
• Your investments do the other part
of the job by appreciating in value
over time
61
92
175
346
-
50
100
150
200
250
300
350
400
1 3 5 7 9 11 13 15 17 19 21 23 25 27 29
7% 9% 12% 15%
At 7% your retirement assets will grow into Rs.61 lakh
At 15% your assets would have grown to Rs.3.46 crore
You invested Rs.5000 every month for 30 years
NO OF YEARS
AMOUNT IN
RS. LAKH
Note –The above graph is only for illustration purposes, purely to explain the concept of SIP and power of compounding and should not be taken as any
indication of correlation with the scheme either by way of capital protection or equity market returns. RNLAM does not recommend any action based on the
above illustration. The investment decision of RNLAM is based on several factors including research, market potential, future outlook etc. Investors are advised
to refer to financial advisor/ tax advisor independently before investment.
In the later years you earn
more, save more
In the initial years you earn
less, save less
The Reality
Invest as much as you
can every month
Take the time advantage
Add lump sums to
your corpus
Take the wealth
advantage
Catch up With the Corpus
If you did not begin
early, you have to add
lump sums to catch up
Lump sum investment needed for a retirement
corpus of Rs.3.46cr
HOW TO READ THE GRAPH :
Investor who start investing at age 35 instead of 30 have to catch up for the 5 years
missed with a lump sum investment of Rs. 4 lakh along with a monthly SIP of 5000 for
25 yrs to accumulate a retirement corpus of Rs.3.46 Cr @15% p.a assumed rate of
return
Note –The above graph is only for illustration purposes, purely to explain the concept of SIP and power of compounding and should not be taken as any
indication of correlation with the scheme either by way of capital protection or equity market returns. RNLAM does not recommend any action based on the
above illustration. The investment decision of RNLAM is based on several factors including research, market potential, future outlook etc. Investors are advised
to refer to financial advisor / tax advisor independently before investment.
4
14
33
75
162
35
40
45
50
55
Your Catch-up Amount (Rs. Lakh) S
tart
ing
Ag
e o
f R
etire
me
nt P
lann
ing
Distribution Phase
To cautious
protection and
use of assets
Change of attitude
From aggressive
accumulation of
assets
Income should be adequate to
maintain lifestyle
Inflation should not erode the
income or corpus
Corpus should not be subjected to
high investment risks
Key concerns in the distribution phase
Traditional Approach
Earn fixed annuity
income from
corpus
Deposit the
corpus and earn
interest income
Taxable income
No growth in corpus
Low ability to fight inflation
Limitations
Invest the corpus in an income-
oriented fund
Draw down as required during
retirement
Modern Approach
Tax efficient SWP *
Has the potential to grow corpus
over time
Scope for better return
Advantages
*Note : SWP is a facility which enables an investor to withdraw home made regular income from the accumulated corpus.
Tax benefits applicable will be in conjunction to the Current SEBI Regulations applicable to Mutual Funds.
Role of Investment
Primary focus on income
generation
Growth assets for fighting
inflation
Enable drawdown without
depleting corpus
Monthly Retirement Annuity
Higher the corpus,
greater the income
Higher the return, better
the annuity
Note –The above graph is only for illustration purposes, purely to explain the concept of annuity and should not be taken as any indication of correlation with the
scheme either by way of capital protection or equity market returns. RNLAM does not recommend any action based on the above illustration. The investment
decision of RNLAM is based on several factors including research, market potential, future outlook etc. Investors are advised to refer to financial advisor / tax
advisor independently before investments.
HOW TO READ THE GRAPH :
If over a 30 year period, the accumulated retirement corpus was Rs. 3.46 cr from a monthly SIP of Rs. 5000 at an
assumed rate of 15%, then one can withdraw an annuity of Rs. 3 Lakh per month over next 30 yrs assuming that the
corpus would grow at 10% post retirement
₹ 40,583
₹ 53,532
₹ 230,304
₹ 303,784
7%
10%
An
nu
ity
Rat
e %
p.a
Corpus of Rs. 346 Lakh accumulated at 15% p.a
Corpus of Rs. 61 lakh accumulated at 7% p.a
RELIANCE
RETIREMENT FUND
A one stop
Equity & Debt Oriented
Retirement Solution
An open ended notified tax savings cum pension scheme with no assured returns
Key Features
Two schemes with distinct portfolios
WEALTH
CREATION
SCHEME
INCOME
GENERATION
SCHEME
• Equity-oriented for
accumulation
• 65 - 100% in Equity & equity
related instruments
• 0 - 35% in debt and money
market securities
• Debt-oriented for distribution
• 70 - 95% in debt and money
market securities
• 5 - 30% in Equity & equity
related instruments
Please refer Scheme information document for detailed information on Asset Allocation of the respective scheme.
• Unlimited switch between schemes
• Exit load of 1% on redemption before age 60, subject
to lock in period of 5 Yrs
• Auto Transfer Facility *
KEY FEATURES
Flexibility To Manage Investments
Auto transfer to move from accumulation to distribution
Note: Switch of investments made with ARN code, from Other than Direct Plan to Direct Plan of a Scheme shall be subject to applicable exit load, if any. Please
refer Scheme Information Document for details of the above mentioned features
* Auto Transfer is an optional facility wherein investors' entire investment (Lump sum/SIP) shall be switched automatically from Wealth Creation Plan to Income
Generation Plan (with nil exit load) at any date as specified by the investor (which is within or after the lock-in period) or upon completion of 50 years of age.
• Accumulate using both SIP and lump sum over
the earning years
– Step up Facility *
• Use systematic withdrawal plan (SWP) to use
only what is needed after retirement
– Auto SWP*
– Manual SWP
KEY FEATURES
Systematic Transactions
*Note: ‘Step Up’ is a facility wherein an investor who has enrolled for SIP, has an option to increase the amount of the SIP Installment by a fixed amount at pre-
defined intervals.
Auto SWP : This optional facility aims to provide a regular inflow of money to investors (monthly/quarterly/annual) by automatic redemption of units on or after
60 years of age.
Please refer Scheme Information Document for details of the above mentioned features
• As per the clause (xiv) of sub-section (2) of Section 80C of
the Income Tax Act, 1961, individual investor will get tax
deductions for investments up to Rs.1.5 lakh in a Financial
Year*
KEY FEATURES
Tax Benefits
Note: Please refer Scheme Information Document for details of the above mentioned features
*Subject to existing tax laws
Ideal Way To Invest
For Youngsters Set your goal & begin with
Wealth-Oriented Scheme
Set up SIPs and step-up
option
Add lump sums along
the way
Auto transfer to Income
Generation Scheme before
retirement
Continue SIPs until
retirement
Set up auto SWP from
Income Generation Scheme on retirement
1
2
3 4
5
6
Note –The above mentioned ideal way to invest is purely a recommendation from RNLAM. However, we advise investors to make investment decisions based
on their risk/return profile and to take independent opinions from their tax and financial advisor before making actual investments.
Ideal Way To Invest
For Investors
Nearing Retirement Set Your Goal & Begin with Income-
Generation Scheme
Set up SIPs and Step-up option
Add lump sums along
the way
Continue SIPs until retirement
Set up auto SWP from
Income Generation Scheme on retirement
1
2
3
4
5
Note –The above mentioned ideal way to invest is purely a recommendation from RNLAM. However, we advise investors to make investment decisions based
on their risk/return profile and to take independent opinions from their tax and financial advisor before making actual investments.
Salary ADDvantage Facility
• Employers can sign up to offer
employees a convenient way to invest
in Reliance Retirement Fund
systematically by opting for deduction
from their salary
• Employer transfers a monthly single
credit to Reliance Mutual Fund of
participating employees
Advantage Employees:
Systematic Financial Savings for
Retirement
Employer:
Facilitating Financial Goals of Employees
“Salary Addvantage is a special facility available in the select Schemes of Reliance Mutual Fund (RMF) to deduct the desired amount from the salary of
the employees and remit the same to RMF on any date (working day) of the month or the quarter. Entry load will be nil and Exit load as applicable in
the respective Scheme at the time of registration.”.
Note –The above mentioned ideal way to invest is purely a recommendation from RNLAM. However, we advise investors to make investment decisions based
on their risk/return profile and to take independent opinions from their tax and financial advisor before making actual investments.
Sector Allocation Weightage
(%)
Banks 20.57
Auto 9.12
Software 7.80
Auto Ancillaries 7.35
Petroleum Products 7.08
Consumer Non Durables 6.06
Pharmaceuticals 6.00
Media & Entertainment 5.19
Industrial Capital Goods 3.90
Construction Project 3.89
Top Sector Holdings
(As on March 31, 2016)
The sectors mentioned in the table is not a recommendation to buy/sell in the said sectors. The scheme currently holding investments in the said sectors and may or may not have future position in the same. The stocks mentioned forms a part of the portfolio of the scheme and may or may not form a part of the portfolio in
future. Please read Scheme Information Document carefully for more details and risk factors. Source : Factsheet May 2016
Top Stock Holdings
40
Holding Weightage
(%)
HDFC BANK LIMITED 9.85
RELIANCE INDUSTRIES LIMITED 5.81
INFOSYS LIMITED 5.70
TATA MOTORS LIMITED 5.23
ICICI BANK LIMITED 4.18
MARUTI SUZUKI INDIA LIMITED 3.89
AXIS BANK LIMITED 3.49
TV18 BROADCAST LIMITED 3.18
LARSEN & TOUBRO LIMITED 3.16
ITC LIMITED 2.86
(As on March 31, 2016)
Scheme Facts – RRF – Wealth Creation Scheme
Sector Allocation Weightage
(%)
Banks 2.55
Software 1.76
Pharmaceuticals 1.53
Auto 1.26
Media & Entertainment 1.10
Finance 0.89
Auto Ancillaries 0.82
Petroleum Products 0.76
Telecom - Services 0.52
Industrial Capital Goods 0.33
Top Sector Holdings
(As on March 31, 2016)
The sectors mentioned in the table is not a recommendation to buy/sell in the said sectors. The scheme currently holding investments in the said sectors and may or may not have future position in the same. The stocks mentioned forms a part of the portfolio of the scheme and may or may not form a part of the portfolio in
future. Please read Scheme Information Document carefully for more details and risk factors.
Rating Profile
41
Rating Weightage
(%)
Government Bond 55.84
Equity 12.29
Corporate Bond 10.97
Cash & Other Receivables 20.90
Grand Total 100
(As on March 31, 2016)
Scheme Facts – RRF – Income Generation Scheme
Source : Factsheet May 2016
Scheme Attributes
Wealth Creation Scheme Income Generation Scheme
Asset Allocation Equity & Equity Related Instruments 65 - 100% 5 - 30%
Debt & Money Market Securities 0 - 35% 70 - 95%
Benchmark S&P BSE 100 Index Crisil MIP Blended Index
Fund Managers Sanjay Parekh (Equity), Anju Chajjer (Debt), Jahnvee Shah (Overseas Investments)
Plans and Options
Growth Plan : Growth Option
Dividend Plan : Dividend Payout Option
Direct Plan - Growth Plan: Growth Option
Direct Plan - Dividend Plan: Dividend Payout Option
Minimum Application Amount
Lumpsum – Rs.5,000 & in multiples of Rs. 500 thereafter
Monthly SIP – Rs. 500 & in multiples of Rs.500 thereafter for minimum of 12 months
Quarterly SIP – Rs.1,500 & in multiples of Rs.500 thereafter for minimum of 4 quarters
Annual SIP – Rs. 5,000 & in multiples of Rs.500 thereafter for minimum of 2 years
Additional Minimum Application Amount (Lumpsum) – Rs. 1,000 & in multiples of Rs.500 thereafter
Minimum Amount for Auto SWP
Monthly Frequency – Rs. 500 & in multiples of Rs.500 thereafter
Quarterly Frequency – Rs.1,500 & in multiples of Rs.500 thereafter
Annual Frequency – Rs. 5,000 & in multiples of Rs.500 thereafter
Tax deduction up to Rs. 1.5 Lakh per year u/s 80C (2) on the amount
invested in the Fund.
Scheme Attributes Cont’d..
Kindly refer SID for further details
*Subject to existing tax laws
Additional Tax Benefit* The Central Government has specified Reliance Retirement Fund as a pension fund for the purpose of clause (xiv) of sub-section (2) of section 80C of the Income Tax Act, 1961 (the “Act”) for the assessment year 2015-16 and subsequent assessment years vide notification No. 90/214/F.No.178/63/2012-ITA-I dated 23/12/2014.
Units offered under the present Scheme to the Investors, enable them to avail the benefits under clause (xiv) of Sub-section (2) of Section 80C of the Act
Accordingly, Investment made in the scheme will qualify for a deduction from Gross Total Income up to Rs.150,000/- in a Financial Year (along with other prescribed investments) under section 80C of the Act
Attribute Details
Exit Load 1% if redeemed/switched out from Reliance Retirement Fund before attainment of 60 years of age.
Nil in case of Auto SWP/Redemption/Switch out from Reliance Retirement Fund on or after attainment of 60 years of age or after completion of 5 year lock in period, whichever is later.
Nil in case of switch made from Wealth Creation Scheme to Income Generation Scheme or vice versa
Nil in case of Auto Transfer from Wealth Creation Scheme to Income Generation Scheme
Note: Age will be computed with reference to years completed on the date of transaction)
The Fund allows unlimited switches from Wealth Creation Scheme to Income Generation Scheme or vice versa, within and after the lock-in period, without any exit load subject to (point no a). However, investors should note that taxes (such as Capital Gains tax, STT, etc.) would be applicable for such transactions as per the prevailing Income Tax Laws.
Who can Invest The following persons (subject, wherever relevant, to purchase of units being permitted under their respective constitutions and relevant State Regulations) are eligible to subscribe to the units:
Adult Resident Indian Individuals, either single or jointly (not exceeding three).
Non – resident Indians and persons of Indian origin residing abroad, on a full repatriation basis
Parents / Lawful guardians on behalf of Minors
The Fund reserves the right to include / exclude new / existing categories of investors to invest in the Schemes, subject to SEBI Regulations and other prevailing statutory regulations, if any.
Currently, Individuals qualify for tax benefits U/S 80C of Income Tax Act, 1961.
Scheme Attributes Cont’d..
Point No a: Switch of investments made with ARN code, from Other than Direct Plan to Direct Plan of a Scheme shall be subject to applicable exit load, if any.
Kindly refer SID for further details
Disclaimers
The information herein mentioned in the presentation is meant only for general reading purposes and the views being expressed only constitute opinions and therefore cannot be considered as guidelines, recommendations or as a professional guide for the readers. Before making any investments, the readers are advised to seek independent professional advice, verify the contents in order to arrive at an informed investment decision.
None of the Sponsor, the Investment Manager, the Trustee, their respective directors, employees, affiliates or representatives shall be liable in any way for any direct, indirect, special, incidental, consequential, punitive or exemplary damages, including on account of lost profits arising from the information contained in this material.
Scheme Specific Risk Factors: Trading volumes and settlement periods may restrict liquidity in equity and debt investments. Investment in Debt is subject to price, credit, and interest rate risk. The NAV of the Scheme may be affected, inter alia, by changes in the market conditions, interest rates, trading volumes, settlement periods and transfer procedures. The NAV may also be subjected to risk associated with investment in derivatives, foreign securities or script lending as may be permissible by the Scheme Information Document.
The views being expressed only constitute opinions and therefore cannot be considered as guidelines, recommendations or as a professional guide for the readers. Before making any investments, the readers are advised to seek independent professional advice, verify the contents in order to arrive at an informed investment decision. None of the Sponsor, the Investment Manager, the Trustee, their respective directors, employees, affiliates or representatives shall be liable in any way for any direct, indirect, special, incidental, consequential, punitive or exemplary damages, including on account of lost profits arising from the information contained in this material.
Mutual Fund investments are subject to market risks, read all scheme related documents carefully.
THANK YOU
ILLUSTRATIONS For Retirement Planning
Note – All the tables included herein are for illustration purpose only, and should not be taken/ considered as any indication of correlation with the
scheme either by way of capital protection or equity market returns, in any manner. RNLAM does not recommend any action based on these
illustrations. Investors are advised to consult their financial advisor/ tax advisor independently before making any decision or investment.
INFLATION IS A SILENT KILLER
Inflation Rate 5 years 10 years 15 years 20 years 25 years 30 years
6.0% 1,33,823 1,79,085 2,39,656 3,20,714 4,29,187 5,74,349
7.0% 1,40,255 1,96,715 2,75,903 3,86,968 5,42,743 7,61,226
8.0% 1,46,933 2,15,892 3,17,217 4,66,096 6,84,848 10,06,266
9.0% 1,53,862 2,36,736 3,64,248 5,60,441 8,62,308 13,26,768
Table 1: Value of Rs. 1 Lakh over a period of time due to inflation
Note: The above table is only for illustration purposes, purely to explain the concept of inflation and should not be taken as any indication of correlation with the
scheme either by way of capital protection or equity market returns. RNLAM does not recommend any action based on the above illustration. The investment
decision of RNLAM is based on several factors including research, market potential, future outlook etc. Investors are advised to refer to financial advisor/ tax
advisor independently before investment.
DECIDE YOUR CORPUS
Table 2: How much is required to be invested per month
to accumulate a retirement corpus of Rs. 1 Cr
Assumed Rate
of Return
No. of Years for Retirement
5 10 15 20 25 30
7.0% 1,39,679 57,775 31,549 19,197 12,345 8,197
9.0% 1,32,584 51,676 26,427 14,973 8,920 5,462
12.0% 1,22,444 43,471 20,017 10,109 5,322 2,861
15.0% 1,12,899 36,335 14,959 6,679 3,083 1,444
Note – Though the above table illustrates the Annual Amount required to accumulate retirement corpus, SIP can be made in Monthly, Quarterly and Annual
frequencies. The above table is only for illustration purposes, purely to explain the concept of power of compounding and should not be taken as any indication
of correlation with the scheme either by way of capital protection or equity market returns. RNLAM does not recommend any action based on the above
illustration. The investment decision of RNLAM is based on several factors including research, market potential, future outlook etc. Investors are advised to refer
to financial advisor / tax advisor independently before investment.
ACCUMULATING CORPUS VIA SIP
Table 3: How much retirement corpus will be accumulated
with Monthly SIP of Rs. 5,000
Note: The above table is only for illustration purposes, purely to explain the concept of SIP and power of compounding and should not be taken as any indication
of correlation with the scheme either by way of capital protection or equity market returns. RNLAM does not recommend any action based on the above
illustration. The investment decision of RNLAM is based on several factors including research, market potential, future outlook etc. Investors are advised to refer
to financial advisor / tax advisor independently before investment.
Assumed
Rate of
Return
No. of Years for Retirement
5 10 15 20 25 30
7.0% 3,57,965 8,65,424 15,84,811 26,04,633 40,50,358 60,99,855
9.0% 3,77,121 9,67,571 18,92,029 33,39,434 56,05,610 91,53,717
12.0% 4,08,348 11,50,193 24,97,901 49,46,277 93,94,233 1,74,74,821
15.0% 4,42,873 13,76,085 33,42,534 74,86,197 1,62,17,648 3,46,16,398
ACCUMULATING CORPUS VIA LUMPSUM
Table 4: How much retirement corpus will be accumulated
with one time investment of Rs. 10 Lakhs
Note: The above table is only for illustration purposes, purely to explain the concept of power of compounding and should not be taken as any indication of
correlation with the scheme either by way of capital protection or equity market returns. RNLAM does not recommend any action based on the above illustration.
The investment decision of RNLAM is based on several factors including research, market potential, future outlook etc. Investors are advised to refer to financial
advisor/ tax advisor independently before investment.
Assumed
Rate of Return
No. of Years for Retirement
5 10 15 20 25 30
7.0% 14,02,552 19,67,151 27,59,032 38,69,684 54,27,433 76,12,255
9.0% 15,38,624 23,67,364 36,42,482 56,04,411 86,23,081 1,32,67,678
12.0% 17,62,342 31,05,848 54,73,566 96,46,293 1,70,00,064 2,99,59,922
15.0% 20,11,357 40,45,558 81,37,062 1,63,66,537 3,29,18,953 6,62,11,772
CATCH UP BY WAY OF LUMPSUM
Table 5: Lumpsum amount to be invested today along with Monthly SIP
of Rs. 5000 to achieve retirement corpus at age of 60
(refer in conjunction with Table 3)
Note: The above table is only for illustration purposes, purely to explain the concept of power of compounding and should not be taken as any indication of
correlation with the scheme either by way of capital protection or equity market returns. RNLAM does not recommend any action based on the above illustration.
The investment decision of RNLAM is based on several factors including research, market potential, future outlook etc. Investors are advised to refer to financial
advisor / tax advisor independently before investment.
Assumed Rate of
Return
Age When You Start Retirement Planning
55 50 45 40 35
7.0% 40,50,358 26,04,633 15,84,811 8,65,424 3,57,965
9.0% 56,05,610 33,39,434 18,92,029 9,67,571 3,77,121
12.0% 93,94,233 49,46,277 24,97,901 11,50,193 4,08,348
15.0% 1,62,17,648 74,86,197 33,42,534 13,76,085 4,42,873
MONTHLY ANNUITY
Table 6: Annuity receivable per month for an investment
of retirement corpus of Rs. 1 Cr
Assumed Rate
of Return per
annum
No. of Years
10 15 20 25 30
7% 1,16,108 89,883 77,530 70,678 66,530
8% 1,21,328 95,565 83,644 77,182 73,376
9% 1,26,676 1,01,427 89,973 83,920 80,462
10% 1,32,151 1,07,461 96,502 90,870 87,757
12% 1,43,471 1,20,017 1,10,109 1,05,322 1,02,861
Note –The above table is only for illustration purposes, purely to explain the concept of annuity and should not be taken as any indication of correlation with the
scheme either by way of capital protection or equity market returns. RNLAM does not recommend any action based on the above illustration. The investment
decision of RNLAM is based on several factors including research, market potential, future outlook etc. Investors are advised to refer to financial advisor / tax
advisor independently before investment..
COMBINATION OF ACCUMULATION & DISTRIBUTION
Table 7: Combination of Pre-Retirement & Post-Retirement Illustration
Note: The above table is only for illustration purposes, purely to explain the concept of SIP and annuity and should not be taken as any indication of correlation
with the scheme either by way of capital protection or equity market returns. RNLAM does not recommend any action based on the above illustration. The
investment decision of RNLAM is based on several factors including research, market potential, future outlook etc. Investors are advised to refer to financial
advisor / tax advisor independently before investment.
Combination of Pre - Retirement and Post - Retirement
Assumed Rate
of Return For
Accumulation
for 30 Yrs
Monthly SIP
Assumed Rate of Return for Annuity Per Month For Post Retirement Yrs
10%
10 15 20 25 30
15%
5000 4,57,458 3,71,990 3,34,056 3,14,559 3,03,784
10000 9,14,917 7,43,979 6,68,111 6,29,119 6,07,567
20000 18,29,833 14,87,958 13,36,223 12,58,238 12,15,135
50000 45,74,583 37,19,896 33,40,557 31,45,595 30,37,837
Assumed Rate
of Return For
Accumulation
for 30 Yrs
Monthly SIP
Assumed Rate of Return for Annuity Per Month For Post Retirement Yrs
8%
10 15 20 25 30
12%
5000 2,12,018 1,66,998 1,46,166 1,34,874 1,28,224
10000 4,24,036 3,33,997 2,92,333 2,69,747 2,56,448
20000 8,48,071 6,67,994 5,84,666 5,39,494 5,12,896
50000 21,20,178 16,69,985 14,61,664 13,48,735 12,82,240
Disclaimers
The information herein mentioned in the presentation is meant only for general reading purposes and the views being expressed
only constitute opinions and therefore cannot be considered as guidelines, recommendations or as a professional guide for the
readers. Before making any investments, the readers are advised to seek independent professional advice, verify the contents in
order to arrive at an informed investment decision.
None of the Sponsor, the Investment Manager, the Trustee, their respective directors, employees, affiliates or representatives
shall be liable in any way for any direct, indirect, special, incidental, consequential, punitive or exemplary damages, including on
account of lost profits arising from the information contained in this material.
Mutual Fund investments are subject to market risks, read all scheme related documents
carefully.
THANK YOU