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accumulated savings

Indicative Pension Table
for investment of Rs. 1 cror

When you have lump sum amount available for investment and you need a regular flow of pension as monthly income, some amount can be invested in the following assured income options:
Assured return schemes:
1. 8% Monthly Income Scheme of Post Office.
2. 8% Govt. of India (Reserve Bank) Bonds.
3. 9% Senior Citizen Scheme from Post Office.

AND

Some amount can be invested in high-yield but non-assured options like dividend pay-out schemes of Diversified Equity Mutual funds:
Mutual Funds offer various schemes with dividend option:
Category Risk Average Returns for the last 12 months
Balance funds Medium 16.77%
Diversified Equity Funds medium 18%
The following chart shows the expected return on lump sum investment of Rs. 1 crore assuming the average rate of different returns.

Lump sum around amount invested
Amount Amount of income if average rate of return at the rate of Amount of income if average rate of return at the rate of
  10% P.A. 12% P.A.
Rs. 9000000 Rs. 75000 per month Rs. 90000 per month
Rs. 10000000 Rs. 83000 per month Rs. 100000 per month
Rs. 12000000 Rs. 1 Lakh per month Rs. 120000 per month
Rs.20000000 Rs.1.67 lakh per month Rs.200000 per month
You can accumulate crores and crores of rupees

In case you want to accumulate more than Rs. 2 crores, make investment in 3/4/5 Systematic Investment Plan (SIPs) of Rs. 5000/- each in different diversified equity mutual funds and each Systematic Investment Plan (SIPs) amount is likely to grow to around Rs. 3/4/5 crores or more depending upon the market conditions. Similarly if you invest in lumpsum Rs. 5 Lakhs in 5 different diversified equity mutual funds you can hope to get Rs. 5 crores or more over a period of time.
 
 
“Top Ranking Indian Mutual Funds gave highest returns for the last 10 years: up to 35% PA.” Times of India, News Delhi, Date:-20-11-06

Risk Factors:- All investments in mutual funds are subject to market risks. Please read offer document of the Mutual Fund before investing. The Net Asset value (NAV) of the Scheme(s) may go up or down depending upon the factors and forces affecting the stock markets. There can be no assurance that the objectives of the Scheme(s) will be achieved.
#Past performance of the Sponsor, AMC, Mutual Fund or any associates of the sponsor /AMC does not indicate the future performance of the scheme(s) of the mutual Funds.
*Growth charts are worked out @18% p.a. assumed return in diversified equity mutual funds Although for the last 10 years return of diversified equity funds has been around 35% p.a in top performing equity mutual funds. Charts shown in this booklet give a hypothetical example indicating power of compounding, rupee cost averaging and benefit of long term equity investments.
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