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hybrid Fund

Retirement Hybrid Funds

Goal-oriented long-term allocation designed for post-retirement corpus building.

Avg. Return (5Y)

11.28%

No. of Funds

6

Risk Level

Moderate

Ideal Horizon

10+ years

Top Retirement Hybrid Funds Sorted by Returns

HDFC MF logo

HDFC Retirement Savings Fund - Hybrid Equity

HDFC MF

Expense: 0.92%
1Y: 11.8%
3Y: 13.5%
5Y: 11.9%
Tata MF logo

Tata Retirement Savings Fund

Tata MF

Expense: 1.05%
1Y: 10.5%
3Y: 12.2%
5Y: 10.8%

* Returns are annualized and based on historical data. Past performance does not guarantee future results. Min. SIP: ₹500.

What is a Retirement Hybrid Fund?

Retirement Hybrid funds are designed specifically for building a retirement corpus. They follow a goal-oriented allocation strategy, typically shifting from equity-heavy to debt-heavy as the target date approaches.

Key Advantages

  • Purpose-built for retirement planning
  • Automatic glide-path in some schemes
  • Tax benefits under Section 80C (some schemes)
  • Long-term wealth compounding

How It Works

These funds maintain a hybrid allocation suited for long-term wealth creation. Some offer automatic de-risking (glide path) as retirement approaches, gradually shifting from equity to debt.

Who Should Invest?

  • Investors specifically saving for retirement
  • Those wanting a set-and-forget retirement investment
  • Young professionals starting early retirement planning

Taxation

Depends on equity allocation. Lock-in period of 5 years or till retirement (whichever is earlier) may apply.

Frequently Asked Questions

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Investing in Mutual Fund Portfolios

A portfolio is a mix of mutual funds built around your goals, time horizon, and risk comfort. It helps diversify your investments and keeps your savings plan organized. You can build one yourself or ask an expert to help.

Disclaimer

Finlec India is a member of BSE Star MF (Member Code 55269) and a mutual fund distributor with AMFI Registration No: ARN-225204. Registered and correspondence office: 2nd Floor, Saikripa Building, Trimurti Chowk, Pune-46.

Finlec India makes no express or implied warranties on products offered through the platform. It accepts no liability for losses arising from the use of the platform or reliance on related services. Unless stated otherwise, returns, expense ratios, NAV, and similar figures are historical and shown only for illustration. Future returns can vary significantly based on market conditions and individual circumstances.

The information shared on our blog is for education only and does not constitute investment or tax advice.

About Finlec

FINLEC is an investment platform that helps users discover mutual funds and invest with ease. FINLEC provides fund information and evaluation tools, but all investment decisions should be made at the investor's own discretion. FINLEC does not guarantee returns or capital protection.

FINLEC helps investors in the following way:

  • By showing clear information about the products available on FINLEC
  • By helping investors understand the risks involved before they invest

Secure Transactions on Finlec

Transactions on FINLEC are processed through supported banking channels for SIP and lump sum investments. FINLEC uses BSE Star MF (Member Code 55269) as the transaction platform.

Mutual Funds Sahi Hai

Mutual funds are popular because they let investors start with a small amount, diversify across assets, and invest toward different goals. A wide range of mutual fund categories is available on FINLEC.

Mutual fund investments are subject to market risk. Please read all scheme-related documents carefully before investing. Past performance is neither an indicator nor a guarantee of future performance.

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