Shashi Kant Bahl
Will Your Savings Last as Long as You Do?
Most retirement shortfalls aren’t from bad investing; they’re from starting too late or underestimating rising costs. Build a mutual fund-based retirement corpus with MutualFundWala.
Don't Outlive Your Savings
Beat Rising Healthcare Costs
Know Your Retirement Number
Associated with Leading Mutual Fund AMCs
Why Invest in Mutual Funds for Retirement?
Retirement mutual funds combine long-term growth potential, diversification, and disciplined investing to help you build a corpus for your future financial needs.
Start Early for Compounding
Starting early for retirement gives your capital more time to compound. For example, if you invest ₹5,000 every month for 20 years and expect a 12% return every year, you can have an estimated corpus of approximately ₹50 lakh at the end of your 20th year. However, you can get a corpus more than three times larger (approximately ₹1.76 crore) by extending the time period to 30 years. Just extending the time period by 10 years makes a significant difference to the final corpus.
Beat Inflation
Equity is one of the few investment products available that beat inflation. This is because companies increase their product prices in line with inflation.
SIP Discipline
SIP enables disciplined investing and is a preferred investment option. In this, mutual fund companies deduct a fixed amount each month and allocate it to investors' folios at the prevailing per-share unit price.
Diversified Portfolio
Don't put all your eggs in one basket. Similarly, don't invest all your capital in one mutual fund scheme, mutual fund house, or asset class. Diversification helps reduce volatility by investing in asset classes with negative correlation.
Flexible Investments
Investing in mutual funds provides significant flexibility. Unlike fixed deposits, investors can choose between SIP and lump-sum investment modes, and have the freedom to pause or cancel SIPs at any time to align with their changing financial needs.
Professional Fund Management
Your retirement investments are handled by experienced fund managers who track markets and make informed decisions on your behalf.
Start Early for Compounding
Starting early gives your investments more time to benefit from compounding. For example, investing ₹5,000 per month for 30 years at an assumed 12% annual return could grow to approximately ₹1.75 crore.
Beat Inflation
Equity is one of the few investment products available that beat inflation. This is because companies increase their product prices in line with inflation.
SIP Discipline
SIP enables disciplined investing and is a preferred investment option. In this, mutual fund companies deduct a fixed amount each month and allocate it to investors’ folios at the prevailing per-share unit price.
Diversified Portfolio
Don’t put all your eggs in one basket. Similarly, don’t invest all your capital in one mutual fund scheme, mutual fund house, or asset class. Diversification helps reduce volatility by investing in asset classes with negative correlation.
Flexible Investments
Investing in mutual funds provides significant flexibility. Unlike fixed deposits, investors can choose between SIP and lump-sum investment modes, and have the freedom to pause or cancel SIPs at any time to align with their changing financial needs.
Professional Fund Management
Mutual funds are managed by professional fund managers who research markets, evaluate securities, and manage portfolios according to the scheme’s investment objective.
Choose the Right Retirement Mutual Fund Investment Option
Choose an investment approach based on your retirement timeline, financial goals, and investment preferences.
Estimate Your Retirement Corpus with Our Retirement Mutual Fund Calculator
Not sure how much you should invest? Use our Retirement Mutual Fund Calculator to estimate the corpus you may need based on your retirement age, expected expenses, inflation, and investment assumptions.
Manage Your Retirement Investments Anytime, Anywhere
Track your retirement investments, monitor portfolio performance, and stay focused on your long-term financial goals through the MutualFundWala app.
Retirement Goal Tracking
See how close you are to your retirement corpus target.
Retirement SIP Management
Start, modify, or pause your retirement SIPs anytime.
Portfolio Tracking
Monitor how your retirement investments are performing.
Investment Alerts
Get timely alerts on your investments and portfolio updates.
Investing with MutualFundWala has been simple, guided, and transparent from day one.
Choosing the right fund for my goals felt straightforward with the guidance provided.
The app makes it easy to track my SIPs and stay on top of my financial goals.
Frequently Asked Questions
Why should I start investing early for retirement?
Starting early gives your investments more time to grow through compounding. A longer investment period can also make it easier to build your retirement corpus through regular contributions.
How much should I invest for retirement?
The amount depends on your current age, expected retirement age, desired retirement lifestyle, existing savings, inflation and expected investment returns. A retirement calculator can help you estimate the amount you may need to invest regularly.
How can I estimate my retirement corpus?
You can estimate your retirement corpus by considering your current expenses, expected inflation, retirement age, life expectancy and potential investment returns. A retirement calculator can provide an estimate based on these inputs.
Should I invest through SIP or a lump sum for retirement?
Both SIP and lump-sum investments can be used for retirement planning. SIP allows you to invest a fixed amount regularly, while a lump sum involves investing a larger amount at once. The suitable approach depends on your financial situation and investment strategy.
What types of mutual funds can be considered for retirement planning?
Can I track my retirement investments online?
Yes. Retirement investments can be tracked online through investment platforms and apps. You can monitor your holdings, investment transactions, SIPs and portfolio value in one place.
How does a retirement investment plan work?
A retirement investment plan involves setting a target retirement corpus, estimating how much you need to invest, and making regular or lump-sum investments toward that goal. Your investments can be reviewed periodically and adjusted as your retirement timeline and financial goals change.
Start Investing for Your Retirement Today
Every investment you make today can contribute to a more financially secure retirement. Explore mutual fund investment options through MutualFundWala and take steps toward building your retirement corpus.
