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What Should Your Retirement Portfolio Contain?

Jun 15, 2018 | 2 years ago | Read Time: 2 minutes | By iKnowledge Team

Make your future retirement ready. An unplanned future could lead to difficulty in managing expenses during the retirement stage. With no salary income to fall back on, the golden years may not be as shimmering as you would expect them to be. Chalk out a retirement/pension plan for a worry-free future ahead. Create a portfolio by investing a small amount every year. Here’s what it could contain:

Equity mutual fund

An equity mutual fund invests directly in equity shares. You can choose an equity fund depending on your risk appetite. For example, a blue-chip fund invests your money in equity shares in stable, large companies. Your investment is likely to grow steadily in a blue-chip fund. On the other hand, a small-cap fund invests in small companies that can grow at a faster rate but the risk of such companies failing is greater.

Stock markets may not perform well all the time. Sometimes they undergo corrections. For example, the Sensex had been on the rise for four years. However, it witnessed a sharp decline between March 2015 and February 2016. Also, a minor decline was seen post demonetization in November 2016. This means, your equity mutual fund may underperform when the stock market is in a correction mode. Thus, you need to contribute a small amount in an equity mutual fund. The contribution can be done through a Systematic Investment Plan (SIP), regarded as a disciplined option to invest in a mutual fund. You can purchase mutual fund units for the monthly investment. When the market is declining, the value of equity mutual fund units may go down. So,  you can purchase a number of mutual fund units with the same monthly investment during the correction mode.

Balanced fund:

A balanced fund is a mutual fund that invests your money partly in equity shares and partly in debt instruments like a government bond. The money invested in a debt instrument pays interest regularly, while the performance of equity component depends on the stock market. You must contribute a greater amount in a balanced fund to stabilize your portfolio.


Your portfolio must include a medical as well as term insurance. Medical insurance can cover the cost associated with a hospitalization. Whereas, term insurance provides a lump sum amount to your family in case you depart from this world. The earlier you start investing in these products the lower the premium you pay each year to cover the risk. Besides, you can claim tax benefit on the premium paid each year.


A Unit Linked Insurance Plan (ULIP) is a combination of an insurance cover as well as an investment plan. Your portfolio must include a ULIP. You can either opt for an annual premium or a one-time premium. Both payments can be claimed for a tax benefit.

You can switch your investment between different funds. Moreover, your family remains protected financially in the event of your death with the company paying them a predefined amount to them for their future.          


Diversifying your retirement portfolio with a mix of debt and equity assets can assure your wellbeing during your retirement. Including an insurance cover can further provide financial protection to your loved ones. Consider a ULIP in your portfolio given its combination of insurance cover and an investment plan.

Advt. no.: IA/May 2018/4053

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