Life after retirement is very special. In this, the security of mind, regular income and safety of life from hard work is very important. Today there are many investment options. Gratuity or retirement funds from their hard earned money are to take a lot of thought to invest somewhere. Investing in mutual funds for regular income for retired people is a practical, reliable and easy solution. It is “Nivesh Ka Sahi Kadam” and also fits perfectly on “Mutual Funds Sahi Hai”.
What are regular income mutual funds?
Regular income (fixed income) mutual funds are also known as a date fund. It usually includes bonds like government bonds, corporate bonds, debentures and money market security, which gives interest in lieu of investment. The main objective of these funds is to reduce the instability related to equity investment and to protect investment money with regular income. Fund managers see the choice and management of these bonds for investment. The focus in this investment is on limiting the risk with better and stable returns.
Why are regular income mutual funds right for retirement plan
Standing and estimated returns
Regular interests are available on these funds, which keeps income. Regular income is an ideal situation for retired people, as they need money for other needs, including their necessary expenses, healthcare and holidays.
Money remain safe
For investors who do not want to take much risk in traditional investment, mutual funds with regular income are the best options.
Liquidity and convenient
Fix deposits and long -term savings schemes have higher liquidity (liquidity) of regular -income funds than older methods of investment. You can easily withdraw your money as needed. The process here is not long and complicated, like long lock -in period savings schemes.
These funds invest your money in different areas. This reduces the risk, because one event or fluctuations in the market will not affect your entire money.
Professional management
Experienced fund managers keep an eye on aspects such as market trends, interest rates and credit quality. With this, you can get maximum returns by taking minimum risk. It is because you have the correct information and you can take accurate decisions.
Money is likely to increase rapidly
In this investment, the focus is mainly on regular income, but you have a chance to increase your money. When the interest rates fall and bond prices rise, your retirement fund adds a little more money.
What benefits do people retire from regular income funds
1. Systematic withdrawal Plan (SWP): Retired citizens can start SWPS to get a fixed amount at certain intervals. This is like a pension scheme, in which you can guess regular income in advance. Also, your invested amount also increases continuously.
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2. Many types of fund options: You can choose the fund according to your need, time and risk of risk. Such as short term, medium term or date fund for long term.
3. Tax exemption: There are some regular income funds on which tax exemption is given on the benefits received for a long time. These facilities are attractive options compared to traditional savings schemes.
Can take the correct decision with complete information
Investing gratuity after your retirement in regular income mutual funds is a safe option. It is also a very flexible way of investment with regular income. These funds allow you to enjoy retirement by maintaining full confidence and investment control compared to putting your money in lock-in periods for a long time or leaving to face market fluctuations.
Want to know more about how you can create balance by increasing money with regular income in post -retirement life? Watch the video of Subbu (Subbu’s) to know about easy and practical use about your retirement funds.
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Disclaimer: Mutual fund investment is subject to market risk. Read all the documents related to the scheme carefully before taking the investment decision. Performance of a fund in the past is not a guarantee of performance in future.