HDFC Retirement Savings Fund is a Long term investment vehicle targeting retirement corpus for YOU, I nvestments in the scheme qualify for benefits U/s 80 C of the Income tax Act, 1961 , Scheme provides Choice of 3 plans – Depending on age and risk profiles:   

·          Equity Plan- The net assets of the Investment Plan will be primarily invested in Equity and Equity related instruments. However, the Investment Plan provides for flexibility to invest in debt instruments and money market instruments.

·          Hybrid Equity Plan- The net assets of the Investment Plan will be primarily invested in Equity and Equity related instruments. The AMC will also invest the net assets of the Investment Plan in Debt / Money market instruments with an objective of generating long term returns and maintaining risk under control as per the limit specified in asset allocation pattern.

·          Hybrid Debt Plan- The net assets of the Investment Plan will be primarily invested in Debt and Money market instruments. The Investment Plan will retain the flexibility to invest across all the debt and money market instruments of various maturities. The AMC will strive to assess risk of the potential investment in terms of credit risk, interest rate risk and liquidity risk. The AMC would manage the investments of the Plan on a dynamic basis to exploit emerging opportunities in the investment universe and manage risks at all points in time. The AMC will also invest the net assets of the Investment Plan in Equity and Equity related instruments. This Investment Plan seeks to generate steady long term returns with relatively low levels of risk.

Lock-in: 5 yrs from investment date or Until the Unit holder attains the age of 60 years (i.e. completion of 60 years) whichever comes earlier.