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Not a Pension Plan

Franklin India Templeton Pension is not actually a pension plan. Find out more…

I invest Rs 5,000 in Franklin India Templeton Pension via SIPs. How would you rate this fund?
-Angad Singh

Despite what the name of this fund suggests, it is not actually a pension plan. The fund invests around 60 per cent of its assets into equities and the rest in debt. It has a 3-year lock-in period and gets 80C benefits. This makes it a conservative vehicle with a tax advantage.
However, if you're looking to invest for post-retirement pension, this fund may not be the best vehicle. You should opt for the National Pension System instead.

This article was originally published on November 27, 2012.

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