Investing After Retirement | Value Research Senior citizens should have a balanced portfolio that comprises of both equity & debt…
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Investing After Retirement

Senior citizens should have a balanced portfolio that comprises of both equity & debt…

I am a 67 year old pensioner looking for mutual fund investments for the next 3-5 years. What is the best option for me?
- Kumar Gautam

It is encouraging to note your desire to invest in retirement. We are suggesting a portfolio of four funds that collectively has 60 per cent equity exposure which can take care of growth, with the balance in debt to check on volatility and maintain portfolio stability. All the four funds have a proven performance history and track record that have managed across market cycles.

You should initiate equal SIP investments across all these funds and evaluate the portfolio’s progress over the 3-5 year time frame that you have in mind for investments.



Schemes  Category  Rating  3-yrs ret (%)  5-yrs ret (%)
FT India Dynamic PE Ratio FoF Hybrid: Asset Allocation Not Rated 11.35 13.54
BSL 95 Hybrid: Equity-oriented **** 14.61 15.03
HDFC Balanced Hybrid: Equity-oriented ***** 17.06 13.48
Reliance Regular Savings Balanced  Hybrid: Equity-oriented ***** 15.81 15.3
Returns as on March 22, 2011 Ratings as on February 28, 2011



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