Difference Between

Savings & Investments

Savings is a part of income which is
not used for consumption
Investment is the process of putting
your money in such assets which will
generate high returns with calculated
risks
Difference Between
- Rich & Wealthy
o Rich are those people who have lot of money
o Wealthy are those people, who knows how
to make there money work for them

Difference is Knowledge
 RELIANCE RETIREMENT FUND
An open ended notified tax savings cum pension scheme with no assured
returns

Lambi Innings Ki Taiyari

1st Notified Retirement Fund Also Having Equity

Oriented Scheme
Positioning
An open ended notified tax savings cum pension scheme with no assured
returns

Reliance Retirement
Reliance Retirement Fund
Fund has
has 2
2 Schemes
Schemes (with
(with separate
separate portfolios)
portfolios)
Wealth Creation
Wealth Creation Scheme
Scheme &
& Income
Income Generation
Generation Scheme
Scheme

Reliance Retirement Fund Wealth Creation

Scheme
PRODUCT LABEL
This product is suitable for investors who are
seeking*:
long term growth and capital appreciation
investment primarily in equity and equity related
instruments and balance in fixed income securities so
as to help the investor in achieving the retirement goals
*Investors should consult their financial advisors if in doubt
about whether the product is suitable for them.
Reliance Retirement Fund Income Generation
Scheme
PRODUCT LABEL
This product is suitable for investors who are
seeking*:
Income over long term along with capital growth
Investing primarily in fixed income securities and
balance in equity and equity related instruments so as
to help the investor in achieving the retirement goals
*Investors should consult their financial advisors if in doubt
about whether the product is suitable for them.
RETIREMENT PLANNING

WHY?
 30 years agothe
most sought after
professionals of that
Rs. 2500
time, earned a top per month
income of..

Source: RNLAM Research

Looks like a
very small
amount
today,
doesnt it?
The top income you
earned at the peak of
your career, will look
very small too..

When you look back 30

years after your
retirement
 INFLATION IS A SILENT KILLER

TODAY AFTER 30 YRS

00 . 7 60
R s. 1 Rs

*Assumed inflation rate of 7% p.a

 If you retired 30 years later it would
with Rs.1 crore be as if you had Rs.13
today lakh

A 7-FOLD EROSION IN VALUE!

*Assumed rate of inflation 7% p.a
 INFLATION IS A SILENT KILLER

Table 1: Value of Rs. 1 Lakh over a period of time due to inflation

10 15 20 25
Inflation Rate 5 years 30 years
years years years years
1,79,08 2,39,65 3,20,71 4,29,18
6.0% 1,33,823 5,74,349
5 6 4 7
1,96,71 2,75,90 3,86,96 5,42,74
7.0% 1,40,255 7,61,226
5 3 8 3
2,15,89 3,17,21 4,66,09 6,84,84 10,06,26
8.0% 1,46,933
2 7 6 8 6
2,36,73 3,64,24 5,60,44 8,62,30 13,26,76
9.0% 1,53,862
6 8 1 8 8

Note: The above table is only for illustration purposes, purely to explain the concept of inflation and should not be taken as
any indication of correlation with the scheme either by way of capital protection or equity market returns. RNLAM does not
recommend any action based on the above illustration. The investment decision of RNLAM is based on several factors including
research, market potential, future outlook etc. Investors are advised to refer to financial advisor/ tax advisor independently
before investment.
You prepare for the first 30 working years

30
YEARS

Acquiring knowledge, skill and attitude

So you earn sufficient income and live a good life
 NEXT
30 YRS

How well have

you prepared
for the next 30
years into
retirement?
 WELL PREPARED!

AUSTRALIANS seem to have

done quite well with
retirement
$43,000 of assets per citizen

UK - $35,000

US - $27,000

Source: McKinsey CEO Roundtable Report 2014

 ILL PREPARED

CHINA - $141

INDIA - $128

That is about Rs.8000 of assets per person,

set aside to fall back on after retirement

Source: McKinsey CEO Roundtable Report 2014, USD/INR Exchange Rate is 62.5
 Retirement assets are
just 15% of Indias
15% GDP and cant go too
far for a country with
1.4 billion people.

Retirement assets are

146% 146% of Australias
GDP!

Source: McKinsey CEO Roundtable Report 2014

We all need retirement planning since we

Might not be
Should expect to
living with
live longer,
our children,
thanks to science
as our
and medicine
elders did

Do not have any May need a

government good cushion
sponsored for health
social security care as we
age
RETIREMENT PLANNING

HOW?
Retirement planning involves two distinct phases:

Accumulation Distribution

The phase when you The phase when you

build retirement use retirement assets
assets
 You build in the first 30 years

You enjoy the benefits in the next 30 years

 Accumulation Challenge

You can only save a part of your income

You have expenses to take care of, dont you?

You need that saving to become big enough

To replace your regular income when you retire

Your accumulated assets should cover your

expenses
Which will grow each year due to inflation
 This is why you need an
aggressive plan to accumulate
retirement assets
 You do one part of the job by
setting aside as much as you
can

Your investments do the other

part of the job by
appreciating in value over
time
 AMOUNT IN
RS. LAKH You invested Rs.5000 every month for 30 years
400
346.16
350
300
250
200 174.75

150
91.54
100
50 61.00

- NO OF YEARS

7% 9% 12% 15%

At 7% your retirement assets will grow into Rs.61 lakh

At 15% your assets would have grown to Rs.3.46 crore

Note The above graph is only for illustration purposes, purely to explain the concept of SIP and power of compounding and should not be
taken as any indication of correlation with the scheme either by way of capital protection or equity market returns. RNLAM does not
recommend any action based on the above illustration. The investment decision of RNLAM is based on several factors including research,
market potential, future outlook etc. Investors are advised to refer to financial advisor/ tax advisor independently before investment.
 The Reality

In the initial years you In the later years you

earn less, save less earn more, save more

Invest as much as you Add lump sums to

can every month your corpus

Take the time Take the wealth

advantage advantage
 Catch up With the Corpus
Lump sum investment needed for a
retirement corpus of Rs.3.46cr

Starting Age of Retirement Planning 55 162

50 75

45 33

40 14

35 4
If you did not begin
Your Catch-up Amount (Rs. Lakh)
early, you have to
HOW TO READ THE GRAPH :
add lump sums to
Investor who start investing at age 35 instead of 30 have to catch up for the catch up
5 years missed with a lump sum investment of Rs. 4 lakh along with a
monthly SIP of 5000 for 25 yrs to accumulate a retirement corpus of Rs.3.46
Cr @15% p.a assumed rate of return
Note The above graph is only for illustration purposes, purely to explain the concept of SIP and power of compounding and should not be
taken as any indication of correlation with the scheme either by way of capital protection or equity market returns. RNLAM does not
recommend any action based on the above illustration. The investment decision of RNLAM is based on several factors including research,
market potential, future outlook etc. Investors are advised to refer to financial advisor / tax advisor independently before investment.
 Distribution Phase
Change of attitude

From aggressive To cautious

accumulation of protection and
assets use of assets
Key concerns in the distribution
phase

Income should be adequate to

maintain lifestyle

Inflation should not erode the

income or corpus

Corpus should not be

subjected to high investment
risks
Traditional Approach

Deposit the
corpus and
earn interest
income

Earn fixed
annuity income
from corpus
Limitations

Taxable income
No growth in corpus
Low ability to fight inflation
Modern Approach

Invest the corpus in an

income-oriented fund

Draw down as required

during retirement
 Advantages

Tax efficient SWP *

Has the potential to grow

corpus over time

Scope for better return

*Note : SWP is a facility which enables an investor to withdraw home made regular income from the accumulated corpus.
Tax benefits applicable will be in conjunction to the Current SEBI Regulations applicable to Mutual Funds.
Role of Investment

Primary focus on income

generation

Growth assets for fighting

inflation

Enable drawdown without

depleting corpus
 Monthly Retirement Annuity

Annuity Rate % p.a 303,784

Higher the corpus, 0.1
53,532
greater the income

Higher the return, 230,304

7.0000000000000021E-2
better the annuity 40,583

Corpus of Rs. 61 lakh accumulated at 7% p.a

Corpus of Rs. 346 Lakh accumulated at 15% p.a

HOW TO READ THE GRAPH :

If over a 30 year period, the accumulated retirement corpus was Rs. 3.46 cr from a monthly SIP of Rs.
5000 at an assumed rate of 15%, then one can withdraw an annuity of Rs. 3 Lakh per month over next
30 yrs assuming that the corpus would grow at 10% post retirement

Note The above graph is only for illustration purposes, purely to explain the concept of annuity and should not be taken as any indication
of correlation with the scheme either by way of capital protection or equity market returns. RNLAM does not recommend any action based
on the above illustration. The investment decision of RNLAM is based on several factors including research, market potential, future outlook
etc. Investors are advised to refer to financial advisor / tax advisor independently before investments.
 RELIANCE
RETIREMENT FUND

An open ended notified tax savings cum pension scheme with no assured returns

A one stop
Equity & Debt Oriented
Retirement Solution
 Key Features
Two schemes with distinct portfolios

WEALTH INCOME
CREATION GENERATION
SCHEME SCHEME

Equity-oriented for Debt-oriented for

accumulation distribution
65 - 100% in Equity & 70 - 95% in debt and
equity related instruments money market securities
0 - 35% in debt and 5 - 30% in Equity & equity
money market securities related instruments

Please refer Scheme information document for detailed information on Asset Allocation of the respective scheme.
 KEY FEATURES
Flexibility To Manage Investments
Auto transfer to move from accumulation to distribution

Unlimited switch between schemes

Exit load of 1% on redemption before age 60,
subject to lock in period of 5 Yrs
Auto Transfer Facility *

Note: Switch of investments made with ARN code, from Other than Direct Plan to Direct Plan of a Scheme shall be subject to applicable exit
load, if any. Please refer Scheme Information Document for details of the above mentioned features
* Auto Transfer is an optional facility wherein investors' entire investment (Lump sum/SIP) shall be switched automatically from Wealth
Creation Plan to Income Generation Plan (with nil exit load) at any date as specified by the investor (which is within or after the lock-in
period) or upon completion of 50 years of age.
 KEY FEATURES
Systematic Transactions

Accumulate using both SIP and lump sum

over the earning years
Step up Facility *
Use systematic withdrawal plan (SWP) to
use only what is needed after retirement
Auto SWP*
Manual SWP

*Note: Step Up is a facility wherein an investor who has enrolled for SIP, has an option to increase the amount of the SIP Installment by a
fixed amount at pre-defined intervals.
Auto SWP : This optional facility aims to provide a regular inflow of money to investors (monthly/quarterly/annual) by automatic redemption
of units on or after 60 years of age.
Please refer Scheme Information Document for details of the above mentioned features
 KEY FEATURES
Tax Benefits

As per the clause (xiv) of sub-section (2) of Section

80C of the Income Tax Act, 1961, individual investor
will get tax deductions for investments up to Rs.1.5
lakh in a Financial Year*

Note: Please refer Scheme Information Document for details of the above mentioned features
*Subject to existing tax laws
 Ideal Way To
6 1
Invest For
Youngsters

Set up auto
Set SWP
your
Autofrom
goal &
Income
begin Generation
transfer with
Continue
Set up SIPs
SIPs and
until
step-up
retirement
theoption
5 Wealth-Oriented
Scheme
Add
to Incomelump on
sums
Generationretirement
Scheme
along
retirement
Scheme way
before 2

4 3
Note The above mentioned ideal way to invest is purely a recommendation from RNLAM. However, we advise investors to make
investment decisions based on their risk/return profile and to take independent opinions from their tax and financial advisor before making
actual investments.
 Ideal Way To
Invest For 5 1
Investors Nearing
Retirement

Set upSet
autoYour
SWPGoal
from& Income
Begin with
Generation
Income-Generation Continue
Set up Add
SIPs sumsScheme
and Step-up
lump Scheme
option
along onway
the retirement
SIPs until retirement

4 2

3
Note The above mentioned ideal way to invest is purely a recommendation from RNLAM. However, we advise investors to make
investment decisions based on their risk/return profile and to take independent opinions from their tax and financial advisor before making
actual investments.
 Salary ADDvantage Facility

Employers can sign up to offer

employees a convenient way to
invest in Reliance Retirement
Fund systematically by opting for
Advantage deduction from their salary
Employees:
Systematic Financial Savings for
Retirement
Employer transfers a monthly
Employer: single credit to Reliance Mutual
Facilitating Financial Goals of
Employees Fund of participating employees

Salary Addvantage is a special facility available in the select Schemes of Reliance Mutual Fund (RMF) to deduct the desired amount
from the salary of the employees and remit the same to RMF on any date (working day) of the month or the quarter. Entry load will be
nil and Exit load as applicable in the respective Scheme at the time of registration..
Note The above mentioned ideal way to invest is purely a recommendation from RNLAM. However, we advise investors to make
investment decisions based on their risk/return profile and to take independent opinions from their tax and financial advisor before making
actual investments.
Scheme Attributes

Wealth Creation Income Generation

Scheme Scheme
Equity & Equity Related
Asset 65 - 100% 5 - 30%
Instruments
Allocation
Debt & Money Market Securities 0 - 35% 70 - 95%

Benchmark S&P BSE 100 Index Crisil MIP Blended Index

Fund Managers Sanjay Parekh (Equity), Anju Chajjer (Debt), Jahnvee Shah (Overseas Investments)
Growth Plan : Growth Option

Plans and Dividend Plan : Dividend Payout Option

Options Direct Plan - Growth Plan: Growth Option
Direct Plan - Dividend Plan: Dividend Payout Option
Lumpsum Rs.5,000 & in multiples of Rs. 500 thereafter
Monthly SIP Rs. 500 & in multiples of Rs.500 thereafter for minimum of 12 months
Minimum
Quarterly SIP Rs.1,500 & in multiples of Rs.500 thereafter for minimum of 4 quarters
Application
Amount Annual SIP Rs. 5,000 & in multiples of Rs.500 thereafter for minimum of 2 years
Additional Minimum Application Amount (Lumpsum) Rs. 1,000 & in multiples of Rs.500
thereafter
Monthly Frequency Rs. 500 & in multiples of Rs.500 thereafter
Minimum
Amount for Quarterly Frequency Rs.1,500 & in multiples of Rs.500 thereafter
Auto SWP
Annual Frequency Rs. 5,000 & in multiples of Rs.500 thereafter
Scheme Attributes Contd..

Additional Tax The Central Government has specified Reliance Retirement Fund as a pension fund
Benefit* for the purpose of clause (xiv) of sub-section (2) of section 80C of the Income Tax
Act, 1961 (the Act) for the assessment year 2015-16 and subsequent assessment
years vide notification No. 90/214/F.No.178/63/2012-ITA-I dated 23/12/2014.

Units offered under the present Scheme to the Investors, enable them to avail the
benefits under clause (xiv) of Sub-section (2) of Section 80C of the Act

Accordingly, Investment made in the scheme will qualify for a deduction from Gross
Total Income up to Rs.150,000/- in a Financial Year (along with other prescribed
investments) under section 80C of the Act

Tax deduction up to Rs. 1.5 Lakh per year u/s 80C (2) on the
amount invested in the Fund.

Kindly refer SID for further details

*Subject to existing tax laws
Scheme Attributes Contd..

Attribute Details
Exit Load 1% if redeemed/switched out from Reliance Retirement Fund before attainment of 60
years of age.
Nil in case of Auto SWP/Redemption/Switch out from Reliance Retirement Fund on or
after attainment of 60 years of age or after completion of 5 year lock in period,
whichever is later.
Nil in case of switch made from Wealth Creation Scheme to Income Generation Scheme
or vice versa
Nil in case of Auto Transfer from Wealth Creation Scheme to Income Generation Scheme
Note: Age will be computed with reference to years completed on the date of
transaction)
The Fund allows unlimited switches from Wealth Creation Scheme to Income Generation
Scheme or vice versa, within and after the lock-in period, without any exit load subject
to (point no a). However, investors should note that taxes (such as Capital Gains tax,
STT, etc.) would be applicable for such transactions as per the prevailing Income Tax
Laws.
Who can Invest The following persons (subject, wherever relevant, to purchase of units being permitted
under their respective constitutions and relevant State Regulations) are eligible to
subscribe to the units:
Adult Resident Indian Individuals, either single or jointly (not exceeding three).
Non resident Indians and persons of Indian origin residing abroad, on a full repatriation
basis
Parents /made
Point No a: Switch of investments Lawful guardians
with onfrom
ARN code, behalf of than
Other Minors
Direct Plan to Direct Plan of a Scheme shall
be subject to applicable exit load, if any.
The Fund reserves the right to include / exclude new / existing categories of investors to
invest
Kindly refer SID for further in the Schemes, subject to SEBI Regulations and other prevailing statutory
details
regulations, if any.
Disclaimers

The information herein mentioned in the presentation is meant only for general reading purposes and the views being
expressed only constitute opinions and therefore cannot be considered as guidelines, recommendations or as a
professional guide for the readers. Before making any investments, the readers are advised to seek independent
professional advice, verify the contents in order to arrive at an informed investment decision.
None of the Sponsor, the Investment Manager, the Trustee, their respective directors, employees, affiliates or
representatives shall be liable in any way for any direct, indirect, special, incidental, consequential, punitive or
exemplary damages, including on account of lost profits arising from the information contained in this material.

Scheme Specific Risk Factors: Trading volumes and settlement periods may restrict liquidity in equity and debt
investments. Investment in Debt is subject to price, credit, and interest rate risk. The NAV of the Scheme may be
affected, inter alia, by changes in the market conditions, interest rates, trading volumes, settlement periods and
transfer procedures. The NAV may also be subjected to risk associated with investment in derivatives, foreign
securities or script lending as may be permissible by the Scheme Information Document.

The views being expressed only constitute opinions and therefore cannot be considered as guidelines,
recommendations or as a professional guide for the readers. Before making any investments, the readers are advised
to seek independent professional advice, verify the contents in order to arrive at an informed investment decision.
None of the Sponsor, the Investment Manager, the Trustee, their respective directors, employees, affiliates or
representatives shall be liable in any way for any direct, indirect, special, incidental, consequential, punitive or
exemplary damages, including on account of lost profits arising from the information contained in this material.

Mutual Fund investments are subject to market risks, read all scheme related
documents carefully.
THANK YOU
 ILLUSTRATIONS
For Retirement Planning

Note All the tables included herein are for illustration purpose only, and should not be taken/ considered as any indication of
correlation with the scheme either by way of capital protection or equity market returns, in any manner. RNLAM does not
recommend any action based on these illustrations. Investors are advised to consult their financial advisor/ tax advisor
independently before making any decision or investment.
 INFLATION IS A SILENT KILLER

Table 1: Value of Rs. 1 Lakh over a period of time due to inflation

10 15 20 25
Inflation Rate 5 years 30 years
years years years years
1,79,08 2,39,65 3,20,71 4,29,18
6.0% 1,33,823 5,74,349
5 6 4 7
1,96,71 2,75,90 3,86,96 5,42,74
7.0% 1,40,255 7,61,226
5 3 8 3
2,15,89 3,17,21 4,66,09 6,84,84 10,06,26
8.0% 1,46,933
2 7 6 8 6
2,36,73 3,64,24 5,60,44 8,62,30 13,26,76
9.0% 1,53,862
6 8 1 8 8

Note: The above table is only for illustration purposes, purely to explain the concept of inflation and should not be taken as
any indication of correlation with the scheme either by way of capital protection or equity market returns. RNLAM does not
recommend any action based on the above illustration. The investment decision of RNLAM is based on several factors including
research, market potential, future outlook etc. Investors are advised to refer to financial advisor/ tax advisor independently
before investment.
 DECIDE YOUR CORPUS

Table 2: How much is required to be invested per month

to accumulate a retirement corpus of Rs. 1 Cr

No. of Years for Retirement

Assumed Rate
of Return 5 10 15 20 25 30

7.0% 1,39,679 57,775 31,549 19,197 12,345 8,197

9.0% 1,32,584 51,676 26,427 14,973 8,920 5,462
12.0% 1,22,444 43,471 20,017 10,109 5,322 2,861
15.0% 1,12,899 36,335 14,959 6,679 3,083 1,444

Note Though the above table illustrates the Annual Amount required to accumulate retirement corpus, SIP can be made in
Monthly, Quarterly and Annual frequencies. The above table is only for illustration purposes, purely to explain the concept of
power of compounding and should not be taken as any indication of correlation with the scheme either by way of capital
protection or equity market returns. RNLAM does not recommend any action based on the above illustration. The investment
decision of RNLAM is based on several factors including research, market potential, future outlook etc. Investors are advised to
refer to financial advisor / tax advisor independently before investment.
 ACCUMULATING CORPUS VIA SIP

Table 3: How much retirement corpus will be accumulated

with Monthly SIP of Rs. 5,000

No. of Years for Retirement

Assumed
Rate of
Return 5 10 15 20 25 30

7.0% 3,57,965 8,65,424 15,84,811 26,04,633 60,99,855

40,50,358

9.0% 3,77,121 9,67,571 18,92,029 33,39,434 91,53,717

56,05,610

12.0% 4,08,348 11,50,193 24,97,901 49,46,277 1,74,74,821

93,94,233

15.0% 4,42,873 13,76,085 33,42,534 74,86,197 1,62,17,64 3,46,16,398

8

Note: The above table is only for illustration purposes, purely to explain the concept of SIP and power of compounding and
should not be taken as any indication of correlation with the scheme either by way of capital protection or equity market
returns. RNLAM does not recommend any action based on the above illustration. The investment decision of RNLAM is based
on several factors including research, market potential, future outlook etc. Investors are advised to refer to financial advisor /
tax advisor independently before investment.
 ACCUMULATING CORPUS VIA LUMPSUM

Table 4: How much retirement corpus will be accumulated

with one time investment of Rs. 10 Lakhs

No. of Years for Retirement

Assumed
Rate of
5 10 15 20 25 30
Return

7.0% 14,02,552 19,67,151 27,59,032 38,69,684 54,27,433 76,12,255

9.0% 15,38,624 23,67,364 36,42,482 56,04,411 86,23,081 1,32,67,678
12.0% 17,62,342 31,05,848 54,73,566 96,46,293 1,70,00,064 2,99,59,922
15.0% 20,11,357 40,45,558 81,37,062 1,63,66,537 3,29,18,953 6,62,11,772

Note: The above table is only for illustration purposes, purely to explain the concept of power of compounding and should not be taken as
any indication of correlation with the scheme either by way of capital protection or equity market returns. RNLAM does not recommend any
action based on the above illustration. The investment decision of RNLAM is based on several factors including research, market potential,
future outlook etc. Investors are advised to refer to financial advisor/ tax advisor independently before investment.
 CATCH UP BY WAY OF LUMPSUM

Table 5: Lumpsum amount to be invested today along with Monthly SIP

of Rs. 5000 to achieve retirement corpus at age of 60
(refer in conjunction with Table 3)

Age When You Start Retirement Planning

Assumed Rate
of Return
55 50 45 40 35
3,57,96
7.0% 40,50,358 26,04,633 15,84,811 8,65,424
5
3,77,12
9.0% 56,05,610 33,39,434 18,92,029 9,67,571
1
4,08,34
12.0% 93,94,233 49,46,277 24,97,901 11,50,193
8
4,42,87
15.0% 1,62,17,648 74,86,197 33,42,534 13,76,085
3

Note: The above table is only for illustration purposes, purely to explain the concept of power of compounding and should not be taken as
any indication of correlation with the scheme either by way of capital protection or equity market returns. RNLAM does not recommend any
action based on the above illustration. The investment decision of RNLAM is based on several factors including research, market potential,
future outlook etc. Investors are advised to refer to financial advisor / tax advisor independently before investment.
 MONTHLY ANNUITY

Table 6: Annuity receivable per month for an investment

of retirement corpus of Rs. 1 Cr

No. of Years
Assumed
Rate of
Return per 10 15 20 25 30
annum

7% 1,16,108 89,883 77,530 70,678 66,530

8% 1,21,328 95,565 83,644 77,182 73,376

9% 1,26,676 1,01,427 89,973 83,920 80,462

10% 1,32,151 1,07,461 96,502 90,870 87,757

12% 1,43,471 1,20,017 1,10,109 1,05,322 1,02,861

Note The above table is only for illustration purposes, purely to explain the concept of annuity and should not be taken as any indication of
correlation with the scheme either by way of capital protection or equity market returns. RNLAM does not recommend any action based on
the above illustration. The investment decision of RNLAM is based on several factors including research, market potential, future outlook etc.
Investors are advised to refer to financial advisor / tax advisor independently before investment..
 COMBINATION OF ACCUMULATION & DISTRIBUTION
Table 7: Combination of Pre-Retirement & Post-Retirement Illustration
Combination of Pre - Retirement and Post - Retirement
Assumed Assumed Rate of Return for Annuity Per Month For Post Retirement
Rate of Yrs
Return For Monthly SIP 10%
Accumulatio
10 15 20 25 30
n for 30 Yrs
5000 4,57,458 3,71,990 3,14,559 3,03,784
3,34,056
10000 9,14,917 7,43,979 6,29,119 6,07,567
6,68,111
15%
20000 18,29,833 14,87,958 12,58,238 12,15,135
13,36,223
50000 45,74,583 37,19,896 31,45,595 30,37,837
33,40,557
Assumed Assumed Rate of Return for Annuity Per Month For Post Retirement
Rate of Yrs
Return For Monthly SIP 8%
Accumulatio
10 15 20 25 30
n for 30 Yrs
5000 2,12,018 1,66,998 1,34,874 1,28,224
1,46,166

Note: The above table is 10000 4,24,036

only for illustration purposes, purely 3,33,997
to explain the concept 2,69,747
of SIP and annuity
2,92,333
2,56,448
and should not be taken as any
12%
indication of correlation with the scheme either by way of capital protection or equity market returns. RNLAM does not recommend any
action based on the above20000 8,48,071 decision6,67,994
illustration. The investment of RNLAM is based on several factors5,39,494
including research,5,12,896
market potential,
future outlook etc. Investors are advised to refer to financial advisor / tax advisor5,84,666
independently before investment.
50000 21,20,178 16,69,985 13,48,735 12,82,240
14,61,664
Disclaimers

The information herein mentioned in the presentation is meant only for general reading purposes and the views
being expressed only constitute opinions and therefore cannot be considered as guidelines, recommendations or
as a professional guide for the readers. Before making any investments, the readers are advised to seek
independent professional advice, verify the contents in order to arrive at an informed investment decision.
None of the Sponsor, the Investment Manager, the Trustee, their respective directors, employees, affiliates or
representatives shall be liable in any way for any direct, indirect, special, incidental, consequential, punitive or
exemplary damages, including on account of lost profits arising from the information contained in this material.

Mutual Fund investments are subject to market risks, read all scheme
related documents carefully.
THANK YOU