Retirement is a very important stage in everyone's life and you should start planning for retirement at a very early age. Investor needs to first meet a financial planner, prepare a retirement plan depending upon age, how much savings he has monthly and when he needs to achieve this target that is his time horizon. Depending on that you can actually make a portfolio for retirement.
I would suggest that in the initial stages when you are very young you should have your maximum corpus in to equity funds. Within the equity funds I would look at funds like midcap funds and sector funds. Then as you age the portfolio can concentrate more into large caps or balanced or debt funds and by the time you reach retirement then the entire corpus should be moved into debt funds and from there you can do the partial withdrawals.
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