Amar is 27 years old and works as a government employee. He wants to retire at age 58 and needs to plan investments to cover monthly expenses of Rs. 40,000 after retirement until age 75. His portfolio will include 35% in equity stocks, 20% in mutual funds, 15% in bonds, 5% each in ETFs, REITs, and index funds, and 10% in money market funds. Specific investments recommended include stocks like BEL, Cipla, Gujrat Gas, HCL, and M&M, and mutual funds like ICICI Technology and Axis Small Cap that have returned over 80% in the last year.

1. RETIREMENT PORTFOLIO PLANNING

2. PROFILE
NAME - AMAR
AGE - 27
JOB - Government Employee
Current Monthly expenses - Rs 40000
AGE he wish to retire - 58
Years to retirement - 31
Life expectancy - 75
% expenses after retirement - 80%
Inflation Rate - 8%

3. DIVERSIFICATION
Equity stock - 35%
Mutual funds - 20%
Bonds - 15%
ETFs - 5%
REITS - 5%
Index funds - 5%
PPF - 5%
Money Market funds - 10%

4. EQUITY INVESTMENT
➢ Bharat Electronics Ltd. ( BEL)
➢ Cipla Ltd.
➢ Gujrat Gas Company Ltd.
➢ HCL Ltd.
➢ Mahindra & Mahindra Ltd.
➢ Asian Paints

5. MUTUAL FUNDS INVESTMENT
• ICICI Prudential Technology funds ( 110.0% 1 year return, risk very high )
• Axis Small Cap Fund ( 84.6 1 year return, risk very high)
• SBI Small Cap Fund ( 89.5 1 year return )
EXCHANGE TRADED FUNDS (ETFs)
• HDFC Sensex ETF ( 33.34% p.a. return )
• UTI Sensex ETF ( 30.06% p.a. return)

6. REAL ESTATE INVESTMENT TRUST ( REITS)
 Embassy Office Parks REITS
 Mindspace Business Park REIT
 Brookfield India Real Estate Trust
CORPORATE BONDS