&w=3840&q=100)
Want to retire rich? These mutual funds are delivering up to 30% returns
This remarkable growth has been powered by increased investor awareness, enhanced digital access, and greater transparency in financial products.
Why Retirement Mutual Funds Are Gaining Traction
A retirement mutual fund is a specialised solution-oriented mutual fund whose objective is to ensure that the investor has a comfortable and secured post-retirement life. Such funds have exposure to both equity and debt where the equity segment fosters wealth appreciation while the debt segment ensures wealth preservation and stability. A retirement mutual fund helps provide a regular stream of income when one retires and there is no regular monthly income and come with a lock in period of 5 years or till retirement.
'Enhanced transparency and investor protection regulations have boosted investor confidence in mutual funds as a retirement vehicle,' said Ashwini Kumar, Senior VP, ICRA Analytics.
From just 25.46 lakh folios in June 2020, the number of retirement fund investors has gone up to 30.09 lakh in June 2025—a clear sign of increasing retail interest. Additionally, the number of such schemes has risen from 24 to 29 over the same period.
These funds have delivered robust returns despite market volatility:
1-Year CAGR: 6.79%
3-Year CAGR: 15.72%
5-Year CAGR: 14.64%
Top performers include ICICI Prudential Retirement Fund – Pure Equity Plan (30.32% over 5 years) and HDFC Retirement Savings Fund – Equity Plan (27.46%)
Source: MFI360Explorer
What Should Investors Do?
Planning for retirement shouldn't be delayed. The earlier one starts, the better the power of compounding works in their favour. With inflation, healthcare expenses, and lifestyle costs on the rise, a thoughtfully chosen retirement mutual fund can provide both growth and peace of mind.
Hashtags
Try Our AI Features
Explore what Daily8 AI can do for you:
Comments
No comments yet...
Related Articles
Time of India
15 minutes ago
- Time of India
Make In India
High tariffs or not, self-sufficiency in critical areas must be a national imperative It is possible for a people to be self-sufficient. The Sentinelese in the Andamans, for example. But such living is extremely limiting. That's why all great nations have pursued trade, although not as a dogma in the modern way. Ancient Romans were big traders. Millennia later, Mussolini declared Italy would manage alone, only to concede as oil imports rose: 'Let us not delude ourselves about autarky.' As he continues lighting tariff fires well into the first year of his second term, Trump has not declared autarky or self-sufficiency as his economic goal, but his actions are tending in that direction. He wants US to make everything from chips to ships; buy little and sell a lot. The problem with America's protectionist turn is that it affects the global order. When the largest economy, and market, raises barriers for sellers, the whole free trade edifice is at risk. India has been especially stung by Trump's tariffs. In a speech last week, Modi flagged the resultant uncertainty and urged Indians to buy swadeshi. It does not signal India's retreat into its pre-91 walled garden, but a pragmatic pause. Globalisation may pick up pace again when Trump leaves office in Jan '29, or as our top column today suggests, it may not as the world shifts 'from open to managed trade'. India will have to rethink strategy in that case. The ease of buying everything from computer chips to warplanes – Trump's been pushing the F-35 at India – in the 21st century can lull nations into a false sense of security. But China and America's recent actions are a wake-up call. India's a laggard in manufacturing semiconductors and fighter planes – the air force is currently depleted – and needs to catch up in the field of drones now. Then there are so many high-tech articles of civilian use that we don't make. Almost all specialised medical equipment is imported and contributes to the high cost of treatment. So, setting up an industrial base to manufacture advanced equipment – along with a research base to develop them – should be a national priority. If low tariffs return, it will make India an export powerhouse. If they don't, we won't be vulnerable at least. In an essay he wrote in 1933, Keynes, who grew up believing in free trade, said self-sufficiency may be a worthwhile luxury for countries that want it and can afford it. 'Let goods be homespun whenever it is reasonably and conveniently possible…' It's good advice. Facebook Twitter Linkedin Email This piece appeared as an editorial opinion in the print edition of The Times of India.
Time of India
2 hours ago
- Time of India
BJP govt's ‘Swadeshi' call mere rhetoric: Akhilesh
1 2 Lucknow: Taking on the BJP-led govt at the Centre for its call to promote 'Swadeshi' products, Samajwadi Party national president Akhilesh Yadav on Sunday described it as mere 'jumla' (rhetoric) and accused the BJP of touring the world to request countries to enter into trade agreements. "BJP ka swadeshi bhi ek jumla hai (BJP's call for Swadeshi is only rhetoric)," Akhilesh said, adding that in India the BJP is calling upon people to use Indian products while BJP delegations are touring the world urging for trade agreements. "If the BJP had the right intentions, it would never have had 'jhoola' (swing) moments and had not gifted gold chains to those who chained our countrymen," he said. Akhilesh's 'jhula' jibe was in apparent reference to the 2014 visit of Chinese President Xi Jinping and the First Lady who, accompanied by PM Modi during their visit to Gujarat, sat on a swing for a photo op. Similarly, his charge of Indians being chained is being seen in the light of recent deportations by the US where Indians were sent back handcuffed and chained to each other. The SP chief made the comments a day after the PM, during his address in Varanasi on Saturday, called upon the people to use products manufactured in India. The call came at a time when India is involved in a tariff war with the Donald Trump govt in the US which has imposed a tariff of 25% on Indian goods. by Taboola by Taboola Sponsored Links Sponsored Links Promoted Links Promoted Links You May Like NRIs Living In Estonia Are Eligible For INR 2 Lakh Monthly Pension. Invest 18K/Month Get Offer Undo As a counter to it, the PM called on Indians to buy and sell Indian products only. 'Even British didn't slap FIRs for edu' Lucknow: Taking exception to Pratapgarh district administration lodging an FIR against Samajwadi Party MLA and others for organising a 'PDA Pathshala' on a school campus that was lying locked, party president Akhilesh Yadav described the move as something that did not happen during even the British rule in India. SP functionaries are organising PDA Pathshalas in protest against state govt's move to merge schools which have low enrolment following a call from the party president urging retired teachers and educated youths to impart education to children in villages where schools have been shut. There were allegations that SP MLA from Pratapgarh RK Verma entered a closed school in unauthorised manner to hold a PDA Pathshala for which an FIR was lodged. Get the latest lifestyle updates on Times of India, along with Friendship Day wishes , messages and quotes !
Hindustan Times
6 hours ago
- Hindustan Times
‘Hire Americans': Miami hotel slammed for outsourcing front desk to India
A video that shows the front desk of a Florida hotel being manned by a virtual receptionist has sparked outrage in the United States. The video has raised concerns about American jobs being outsourced to other countries at a time when the anti-immigrant sentiment is at an all-time high. A video of a virtual receptionist at an American hotel has sparked outcry (Instagram/@languageguy1) Video of virtual front desk staffer sparks outrage The video was first shared by Pete Langs (@languageguy1) on TikTok and Instagram. It shows Langs checking into his room with the help of a man who sits not at the front desk but appears on a screen during the check-in process. 'Do you need one room key or two room keys?' the virtual front desk employee asks Langs, who replies, 'Two, just in case I lose one.' The receptionist, speaking over a video call through the screen, issues further check-in instructions and generates the registration form. 'Miami virtual check in at hotels!' Langs wrote while sharing the video on TikTok and Instagram. The video was reposted on X, where it sparked outcry against Indians for 'stealing' American jobs. Although there is nothing in the video to indicate that the front desk employee is Indian or not living in the US, viewers surmised from his appearance and accent that he belongs to the subcontinent. 'Hire Americans' 'Miami hotel has outsourced their front desk to India. Guests are checked in virtually on video call with an Indian representative,' read the caption on X. 'More American jobs outsourced overseas. At some point this should just become illegal. If you make money in America, you should hire Americans'. The comments section of the video was therefore quickly flooded with outrage as Americans blamed Indians for taking jobs. Many people also slammed the hotel for outsourcing the front desk role to someone sitting outside the US. 'So American jobs are being taken by Indian people overseas AND AI at the same time. Two slaps in the face,' a user said. 'The irony is people will hate the Indians who are just doing a job while completely ignoring the American bosses and shareholders who actually made the decision to outsource these jobs in the first place,' another pointed out. 'It's up to people to actually walk out. The problem is these hotels are cheaper than everyone else because they're hiring outside the country,' a third added.
