Retirement Plan

Investors are increasingly using index funds as long-term wealth-creation vehicles rather than for short tactical exposure, Oswal said

According to the Global Pension Index 2025, few nations have cracked the code, with the Netherlands, Iceland, and Denmark leading, and India, Philippines, and Thailand among those lagging far behind

The government has opened a one-time window for employees under the Unified Pension Scheme (UPS) to switch back to the National Pension Scheme (NPS), reshaping retirement choices for millions

Rising costs and financial goals prompt the wealthy to raise the bar, according to HSBC's Affluent Investor Snapshot 2025

Inflation will reduce value of payout, so invest part of retirement corpus in growth instruments

They expect monthly pension of more than Rs 1 lakh but only 11% confident their investments will be sufficient, it says

Multicap Momentum Quality Index Pension Fund will invest in companies that align with the Multicap Momentum Quality 50 Index

From immediate to regular to deferred pension, check out your best options

People in Eastern India are better prepared to take on retired life than their counterparts in the country's North, South or West, thanks to their enhanced saving propensity for their future, a study reveals. According to the findings of the fourth edition of the India Retirement Index Study (IRIS), conducted by Max Life Insurance Company in partnership with KANTAR, a marketing data and analytics company, East India outshone other regions, scoring an impressive 54 on the Retirement Index, significantly higher than North and South India, both at 48, and West India at 49, as well as the national average of 49. India retirement index is the degree to which Indians feel prepared for retired life on a scale 0 to 100. It is based on how prepared the country is for a healthy, peaceful and financially independent post-retirement life, surveyors explained. The survey, according to officials, is aimed at understanding the retirement readiness of urban India, with insights into awareness, ...

Awareness about retirement planning has been rising in urban India with growing number of people feeling the need to start planning for their post-work life early, a report said. As much as 44 Indians consider the right age to start planning for retirement is before 35 years, as per the India Retirement Index Study (IRIS) released by Max Life Insurance. Encouragingly, 63 per cent respondents have already begun investing for retirement, leading to reduced concerns about meeting both basic and luxury needs, as well as securing their children's futures, it said. A notable 68 per cent of urban Indian working women have begun investing for retirement, it said. The study also highlights regional opportunities in retirement planning across India, with the east zone leading in overall preparedness, the west zone showing financial and health progress but needing emotional focus, and the north and south zones improving in health preparedness index, it said. "Although urban India's retiremen

The retirement index comprises three indices with the following weights: financial index (31 per cent), health index (61 per cent), and emotional index (8 per cent)

Rising awareness of financial planning has fueled a 256 per cent increase in retirement mutual fund AUM in the last five years, according to a report. Factors such as rising healthcare costs, increasing nuclear families, and higher life expectancy are likely to fuel further growth in this sector, an ICRA Analytics report said. "Assets under Management (AUM) of these funds have grown by over 256 per cent in the last five years, reaching Rs 29,903 crore in July 2024, compared to Rs 8395 crore in July 2019," it said. ICRA said the growing awareness has led to a surge in the number of folios, which has increased by 17.44 per cent in the last five years to 29.36 lakh in July 2024, up from 25 lakh in July 2019. The number of schemes has also increased from 21 in 2019 to 29 in 2024. A retirement mutual fund is a specialized investment vehicle designed to provide a secure and comfortable post-retirement life. These funds invest in both equity and debt, aiming to balance wealth appreciation

The fund based on market outlook, aims for steady returns through active management, diversification, and a blend of growth and value investing

Stay invested even after lock-in ends to gain from compounding

Comprehensive planning would include managing anxiety, identity loss, and loneliness; creating a comprehensive health routine; tackling social and relationship issues

The fund invests in a mix of assets, including stocks, bonds, and real estate investment trusts (REITs).

Regular Pay, Single Pay and Single Pay Deferred Annuity schemes explained in Policybazaar table

Policybazaar table gives a comprehensive view of what various companies offer in their pension plans

According to the survey, Indian investors planning retirement favour fixed/recurring deposits, annuities/insurance, gold, and the Post Office Savings Scheme (POSS)

Too many loans can diminish your ability to save; spending lavishly on children's weddings can also hurt