Secure Your Retirement with Bandhan Retirement Fund: Your Path to Financial Freedom

Retirement planning is a subject that often takes a backseat in our busy lives. With day-to-day expenses, immediate financial goals, and the belief that retirement is a distant future, it's no surprise that retirement planning is often neglected. However, recent statistics paint a concerning picture: 1 in 3 Indians believe their savings will be exhausted within 5 years of retirement, and many regret not starting earlier to save for retirement. But it's not too late to change this narrative. The Bandhan Retirement Fund, open for subscription from 28-Sep-2023 to 12-Oct-2023, offers a unique opportunity to secure your retirement.

Why is Retirement Planning Critical?

1. Increased Life Expectancy: People live longer, meaning retirement can last several decades. Ensuring you have enough savings to support your lifestyle during this time is crucial.


2. Inflation: The cost of living continues to rise due to inflation. What Rs. 100 can buy today will not be the same in the next 10 years. To maintain your purchasing power, you need to invest wisely.


3. Healthcare Costs: Healthcare expenses tend to increase significantly as you age. Having a financial cushion to cover these expenses is essential for a stress-free retirement.


4. Benefit from Compounding: The earlier you start saving for retirement, the more time your money has to grow through the power of compounding. Even small, regular contributions can grow into a substantial nest egg over time.

Why Consider a Dedicated Retirement Fund?

While there are various ways to save for retirement, a dedicated Retirement Fund offers some distinct advantages:

1. Be in Charge of Your Cash Flow: Retirement funds are specifically designed to help you manage your cash flow during your post-retirement years. They provide regular income, ensuring you can maintain your lifestyle without worrying about daily expenses.
   
   

   

   Source: Bandhan Retirement Fund Presentation



2. Benefit from the Growth Potential of Equity: Retirement funds like the Bandhan Retirement Fund allocate your investments across a mix of assets, including equity and debt. This blend allows you to benefit from the growth potential of equity while mitigating risk through debt investments.
   
   

   

   Source: Bandhan Retirement Fund Presentation



3. Convenience and Transparency: Retirement funds offer the convenience of easy monitoring, investing, and redeeming. They also fully disclose portfolio details and expenses, ensuring transparency in your investments.


4. Diversification: Retirement funds diversify your investments across different asset classes and securities,reducing the risk associated with any single investment.


5. Well-Regulated: Mutual funds in India are subject to stringent regulatory oversight, ensuring that your investments are managed professionally and ethically.

You can also see other funds from Bandhan AMC here –Click here.

Why Bandhan Retirement Fund?

The Bandhan Retirement Fund is designed to address the unique needs of Indian investors seeking to secure their retirement. Here's why you should consider this fund:

1. Cushioning the Downside: This fund aims to provide a level of cushioning against market downturns while still participating in potential market upswings.


2. Dynamic Asset Allocation: It employs a dynamic model-based approach to allocate assets between equity and debt, ensuring that your investments align with changing market condition. The dynamic asset allocation is based on a quantitative parameter which includes the following:
   
   

   



3. Actively Managed: The fund is actively managed by experts who make informed investment decisions on your behalf.


4. 5-Year Lock-In: To encourage long-term savings and benefit from the power of compounding, the Bandhan Retirement Fund has a lock-in period of 5 years or until the age of 60, whichever comes earlier.

Why should you invest in the Bandhan Retirement Fund?

1. It helps you invest for one of the most important life-stage financial goals—retirement.


2. It provides tax efficiency through its equity allocation.


3. It offers a high-quality debt portfolio to stabilise your investments.


4. Its dynamic asset allocation model aims to participate in market gains while protecting against potential losses.


5. The 5-year lock-in period encourages disciplined, long-term savings.


6. It gives you access to diversified equity and debt portfolios within a single scheme.

Who should invest in Bandhan Retirement Fund?

• Investors who are looking for capital appreciation over a long investment horizon.


• Investors looking to save for retirement.


• Investors with risk appetites for equity allocation.


• Investors with minimum 5-year investment tenures.


• You can invest in this scheme in lump sum or SIP, depending on your investment needs.


• The NFO will open for subscription on 28-Sep-2023 to 12-Oct-2023

Remember, planning for retirement is not just a financial choice; it's a lifestyle decision. By taking action today and considering the Bandhan Retirement Fund, you can enjoy the financial freedom you deserve during your golden years. Don't let excuses hold you back from securing your future. Start planning for retirement today and reap the rewards in the years to come.

Investors should consult with their financial advisors if Bandhan Retirement Fund is suitable for their investment needs.