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Which mutual fund categories to invest in when retirement is 20 years away?

Depends on your risk appetite. Index funds, certainly, along with a sprinkling of mid- and small-caps for some added upside.

December 19, 2022 / 08:59 AM IST
Representative image

Representative image

If your retirement is 15-20 years away (or more), then it’s a no-brainer that you should not rely solely on your provident fund (PF) for retirement savings.

You need to have some allocation to equities if you want to generate inflation-beating returns and have a retirement corpus that doesn’t run out before you run out of time. The best way to invest in equities is via equity mutual funds (MF).

But which funds should you choose when you are investing for 15-20 years?

Equity MF categories suitable for retirement