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Review your retirement options

Last couple of years have seen constant tinkering and tweaking of three favourite retirement products of the Indian middle class. It is time for you to take a relook at them

Mutual Fund InsightOver the last three years, there have been a lot of changes in the taxation, regulation and returns of the retirement savings methods like PPF, EPF, NPS and ELSS. Most of us should review the impact of these changes and decide whether we need to make any changes in our investments. In the cover story of the May 2016 issue of Mutual Fund Insight, read New plan for your retirement savings.

Balanced funds (or hybrid equity-oriented funds) can be the ideal choice for a majority of investors. Read our Category Watch for the month to understand everything about these funds. In the accompanying Fund Analysts' Choice, read detailed analyses of seven balanced funds chosen by our research team.

"Time and again you should expect government-induced controls or barriers to the pharma growth story" says Tanmaya Desai, Fund Manager, SBI Pharma Fund. In our interview of the month, he explains why, in spite of hitting a speed breaker lately, the Indian pharma stor y is still promising and why pharma funds are likely to remain in the forefront in the future, too. In getting personal, read about Chandresh Nigam, MD & CEO, Axis Mutual Fund, on his profession and his personal life.

In The Plan, our investment advisors examine an actual investor's portfolio in and create an action plan to align it to his life goals. This month, we have a young man who is just 28 and is in the enviable position of having low expenses and a large surplus. In Buy Sell Hold, our team answers investment queries from our readers.

In Fund Radar, read about the new rules of disclosure that apply to fund distributors. In Portfolio Moves, read our detailed look at Reliance Small Cap Fund and how it has contained the recent downside quite well. There are also our regular features like Fund Diary, regular columns from Aarati Krishnan and Vivek Kaul, as well as our comprehensive Scorecard of Mutual Fund data.

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