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An open-ended retirement solution oriented scheme having a lock-in of 5 years or till retirement age (whichever is earlier). 

NFO opens: February 19, 2019    and NFO closes: March 05, 2019

Are you planned enough for your retired life?

How do you picture your retirement will be? Most of us today in our working years envisage retirement a little differently from how our parents did. Retirement is no longer about living a solitary life or just as grandparents. It is about living a better conscious life and pursuing all the passions that busy working years could not allow. It is also about being free from the ‘earning to make a living’ pressures, what we call as the financial freedom.

Why plan now?

To be financially free in our second innings, we need preparation now. Due to ever growing inflation & diminishing value of money over time, mere savings for retirement may not be enough. With growing life expectancy and medical costs multiplying, retirement life could be a squeeze, unless we invest better. 


A Retirement Plan comes in handy to live it up in the Golden Years. It creates the discipline of regular investing coupled with benefits of compounding. 


Aditya Birla Sun Life Retirement Fund, an open-ended retirement solution oriented scheme having a lock-in of 5 years or till retirement age (whichever is earlier) is a scheme that gives a lot of flexibility and customization benefits to investors. The plan uniquely offers 30s, 40s, 50s & 50s Plus Debt Plan for varied age groups, giving higher equity exposure to younger risk taking investors and increasing Debt investments for higher age plans where safety of corpus is required. For example, the 30s plan has up to 100% equity exposure while the 50 Plus Debt Plan has up to 100% Debt instruments.

Benefits of Retirement Planning 

Maintain Lifestyle

Retirement doesn’t mean that we have to give up good eating or traveling or enjoying club memberships. In fact, it is time to do all that even more. So padding up retirement corpus helps maintain the same or better lifestyle.


The dream of cruise vacation or setting up our own library requires free time, which is abundant in retirement years. So all the dreams should be fulfilled. After all, one life is all we have.


Doctor consultation bills, medicines or even surgery can be a constant with age and Healthcare costs are going through the roof nowadays. A retirement fund will ensure that health care will never go out of reach, even if expensive.

Leave a Legacy Behind

Who doesn’t wish to retire rich and have something sizeable to leave behind for children and grandchildren? A well thought out retirement plan not only keeps us in good stead while alive, it also takes care of generation next.

For whom is this Plan?

Available Investment Options

Multi Plan SIP Facility : SIP can be done in more than one plan in this fund to avail the benefit of multiple asset allocations.

Lump sum Investments : Apart from SIP saving, lump sum money can also be invested from time to time in any plan of your choice in this fund. For example you can invest your performance bonus or any other lump sum money received in this scheme at any point of time.

Trigger Facility: This fund would facilitate seamless transition of risk profile and asset allocation. As one grows older and reaches new milestones of life, it calls for automatic changes in asset allocation (change of one plan to another). To illustrate, when you turn 40, the investment plan would automatically change from The 30s plan to The 40s plan. Similarly, the investment plan would change to 50s, as you turn 50.

Post Retirement Withdrawal Plan

Post Retirement regular monthly income can be built through Systematic Withdrawal Plan (SWP) linked with 50s Plus – Debt Plan

A feature of this scheme allows the Retirees to have a regular monthly withdrawal built through Systematic Withdrawal Plan (SWP) linked to the 50s Plus – Debt Plan. 

The Plan lets the invested retirement corpus grow over time by parking it in Debt instruments, while facilitating a chosen amount of withdrawal every month into investor’s account. This serves as an income source to take care of investor’s retirement needs. 

To illustrate let’s take case of Mr. Sharma, aged 60, who has recently retired and have accumulated Rs.5 crores over his working life for his post retirement needs. Now he invests this money in The 50s Plus – Debt Plan and start withdrawing Rs. 200,000 every month for his family expenses. 

Assuming, he continues with his fixed monthly withdrawals for his post retirement needs while his money grows at 7%p.a. under this plan for the next 20 years, he will still left with adequate corpus at the end of term.


  • Long term capital growth
  • Investments in equity and equity related securities
  • Long term capital growth and income
  • Investment predominantly in equity and equity related securities as well as debt and money market instruments
  • Regular income with capital growth over medium to long term
  • Investments in debt and money market instruments as well as equity and equity related securities [0-25%]
  • Capital appreciation & income over long term to achieve retirement goals
  • Investments in debt & money market instruments as well as equity and equity related securities

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