Building a Retirement Portfolio Using Mutual Funds
Equity mutual funds are the engine that helps a retirement corpus outpace 6–7% inflation over 20–30 years — something pure debt instruments like EPF and PPF cannot do alone. This guide covers practical fund selection (index funds as a core, flexicap as a satellite, hybrid funds and debt funds as retirement nears), the “100 minus age” glide path for shifting from equity to debt as you age, the power of step-up SIPs, and the 3-bucket strategy that protects retirees from being forced to sell equity during a market crash. It closes with the current tax rules on equity (12.5% LTCG above ₹1.25 lakh/year) and debt fund gains, and how retirees can use the annual exemption to their advantage.