This presentation on Reliance Retirement Fund will give the need of investing for long term wealth creation for Retirement.

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AMIT M. SURPURIYA
Mobile: 9850873688
email : asurpuriya@gmail.com
www.kshitijfinancial.com
Reliance Retirement Fund
Lambi Innings Ki Taiyari

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Reliance Retirement Fund
Your future is created
by what you do
today, not tomorrow.
To enjoy a long,
comfortable
retirement, SAVE
MORE TODAY

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Why Retirement Planning is pertinent ?
• A 30-30 rule of thumb says an individual
earns for 30 years, to provide for 30 years
of post-retirement life where the
individual’s income would have stopped.
YET THE NEED TO MAINTAIN SIMILAR
LIFE STYLE EXISTS

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• An expenses of Rs.1 Lakh would be nearly
7 times more in 30 years due to inflation.
(Assuming inflation rate of 7% p.a.)
• Indian demographics depicts trend of
> Higher life expectancy
> Increasing trend of nuclear family
> Absence of comprehensive social security system.
Yet, Retirement funds account for only 12% of one’s total
savings.
Also, 78% Indian’s don’t have enough for comfortable
retirement.
Why Retirement Planning is pertinent ?

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Need for Retirement Planning
• Pay Cheques stop coming
• Break-up of Joint Family System
• Absence of Universal Social Security System
• Inflation – the silent devil
• 60 is not old anymore
• Sky Rocketing medical expenses
• No-one like to be dependent
• Retirement – second inning of life.

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• Hence, it is
important to Save &
Accumulate
prudently for
Enjoying your post
retirement life.
Need for Retirement Planning

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Why it is important to save ?
Inflation
Rate 5 yrs 10 yrs 15 yrs 20 yrs 25 yrs 30 yrs
6 133822 179085 239655 320714 429187 574349
7 140255 196715 275903 386968 542743 761225
8 146932 215892 317217 466095 684847 1006265
9 153862 236736 364248 560441 862308 1326767
Perils of Inflation – The Silent Devil
Inflation not only reduces the current purchasing
power but also increases the savings requirement
for future.

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• It’s not only important to
save but to “INVEST”
• Different investment
options gives different
rate of returns depending
upon the risk return
characteristics. Thus, a
small difference in rate of
return results in huge
difference in the resultant
earning.
Why it is important to save ?

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Reliance Retirement Fund
• Reliance Retirement Fund, a 5 years open
ended notified tax savings cum pension
scheme with no assured returns.
• The fund will have 2 schemes: (Both the
schemes will have separate portfolio) –
1. Wealth Creation Scheme
2. Income Generation Scheme

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Reliance Retirement Fund
• Investment objective:
The investment objective of the scheme is
to provide capital appreciation and
consistent income to the investors which
will be in line with their retirement goals
by investing in a mix of securities
comprising of equity, equity related
instruments and fixed income securities.
However, there can be no assurance or
guarantee that the investment objective of
the Scheme will be achieved

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Reliance Retirement Fund
• Wealth Creation Scheme:
The Wealth Creation Scheme, under normal
market conditions, will invest its net assets
primarily in Equity and equity related instruments
and balance in fixed income securities, money
market instruments and cash equivalents. For
investments in equity and equity related
securities, the Wealth Creation Scheme would
identify companies for investment, based on the
following criteria amongst others: Sound
Management, Good track record of the company,
Potential for future growth, Industry economic
scenario

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Reliance Retirement Fund
• Income Generation Scheme:
The fund management team will endeavor to maintain a
consistent performance in Income Generation Scheme by
maintaining a balance between safety, liquidity and profitability
aspects of various investments. The fund manager will try to
achieve an optimal risk return balance for management of the
fixed income portfolios. The fund management team will take an
active view of the interest rate movement by keeping a close
watch on various parameters of the Indian economy, as well as
developments in global markets. Investment views / decisions will
be taken on the basis of the following parameters: Prevailing
interest rate scenario, Quality of the security / instrument,
Maturity profile of the instrument, Liquidity of the security, Any
other factors in the opinion of the RETAIL RESEARCH 2 Quality of
the security / instrument, Maturity profile of the instrument,
Liquidity of the security, Any other factors in the opinion of the
fund management team.

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Reliance Retirement Fund
• Fund Manager: The scheme will be jointly managed by
Mr. Sanjay Parekh , Ms. Anju Chajjer & Ms. Jahnvee Shah.
Mr. Parekh is a B.Com (H) and Chartered Accountant. Prior to
joining Reliance Mutual Fund he has worked with ICICI Prudential
MF, Ask Investments Lilladher, Sunidhi Consultancy Services,
Insight Asset Management and Capital Market Magazine.
Ms. Chajjer is a B.Com (H) and a Chartered Accountant. Prior to
joining Reliance Mutual Fund Ltd. as a fund manager, she has
worked with National Insurance Company as a Money Maker
Instruments and D.C Dharewa & Co.
Ms. Shah is a B.Sc and an MBA (Finance). Prior to joining
Reliance
Mutual Fund she has worked with Financial Express.

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Reliance Retirement Fund
• Type of Scheme: Open ended
notified tax savings cum pension
scheme.
• Plan & Options:
– Growth Plan
– Dividend Plan – Payout Option

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Reliance Retirement Fund
• Minimum Application Amount:
– Lump sum: Rs.5000 & in multiply of Rs.500
– Monthly SIP : Rs.500 & in multiple of Rs.500
– Quarter SIP: Rs.1500 & in multiple of Rs.500
– Annual SIP : Rs.5000 & in multiple of Rs.500
• Lock-in Period
5 years in the scheme from the date of
allotment

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Reliance Retirement Fund
• Wealth Creation Option:
– Large Cap: 63 %
– Mid Cap: 24%
– Small Cap: 13%

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Contact us …
• For more information & details
Contact:
Amit Surpuriya
Mobile: 9850873688
Email: asurpuriya@gmail.com

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Reliance Retirement Fund - Portfolio
Company Sector % Assets
HDFC Bank Financial 8.68
HDFC Financial 4.80
Sundaram-Clayton Automobile 4.41
ICICI Bank Financial 4.12
Axis Bank Financial 4.08
Maruti Suzuki India Automobile 3.49
Infosys Technology 3.17
Tata Motors DVR Automobile 2.90
TV18 Broadcast Services 2.86
Sun Pharmaceutical Inds. Healthcare 2.70
IDFC Financial 2.52
Cummins India Engineering 2.49
TVS Motor Co. Automobile 2.48
Reliance Industries Energy 2.22
Aditya Birla Nuvo Diversified 2.10
Rico Auto Inds. Automobile 1.96
Intellect Design Arena Technology 1.87
M&M Financial Services Financial 1.74
Coal India Energy 1.67
Indian Oil Corp. Energy 1.67

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Thank You !!
Happy Investing