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With life expectancy rising, building a robust retirement corpus demands early action and smarter investment choices.
 
With increasing life expectancy, careful retirement planning is now more important than ever. Indians spend a s gnificant amount of their lives in retirement, with many retiring between the ages of 55 and 65. This makes achieving financial independence not only a goal but also a necessary component of living a happy and comfortable life in one’s later years.
 
The two sides of retirement When we think about retirement, it’s natural to imagine a life of relaxation and freedom—travelling, enjoying hobbies, and spending time with loved ones. However, it also comes with challenges like rising healthcare costs and limited resources. Securing both your health and wealth now is essential. Retirement planning isn’t just for those nearing   investments are utilised for your retirement years.
 
Benefits of investing in mutual funds for retirement
 
Diversification: Mutual funds pool money from various investors and invest in a wide range of securities, including stocks, bonds, and other assets. This reduces risk and increases the potential for returns Systematic Investment Plan (SIP): Mutual funds allow you to invest small amounts regularly through SIPs. This helps you stay disciplined and make consistent contributions to your retirement fund Inflation Protection: Equity-based mutual funds, particularly those that invest in a diversified mix of large, mid, and small-cap stocks, can provide returns that outpace inflation over the long term
 
Tax Efficiency: Mutual funds offer tax advantages that make them an attractive investment for retirement. Long-term capital gains from equity mutual funds are tax-free up to Rs 1.25 lakh per year, and gains above this threshold are taxed at a favourable 12.5%. This can help reduce your overall tax burden compared to traditional fixed-income investments Lock-in Period: Some retirement-focused mutual funds come with a lock-in period, ensuring that the funds remain invested for the long term and are used for retirement purposes Adjusting the plan over time Retirement planning is ongoing. As your career progresses and income rises, review your plan and adjust your investments. Changes in lifestyle or expenses should also prompt recalculations for retirement.
 
Conclusion
 
Investing in mutual funds for retirement provides discipline, cost-efficiency, and potential healthy returns. Start early and stay consistent to build a retirement corpus for a financially stress-free future.