Frequently Asked Questions
SBI Retirement Benefit Fund is an open-ended, retirement solution-oriented scheme where the investment amount is locked in for five years or until retirement (i.e. completion of 65 years), whichever is earlier. No investor above the age of 65 years will be allowed to subscribe to the scheme.
The Scheme offers four investment plans – aggressive (equity oriented), aggressive hybrid (equity oriented), conservative hybrid (debt oriented) and conservative (debt oriented). The detailed asset allocation is as follows:
| Instruments | Allocation | Risk | |
|---|---|---|---|
| Min | Max | ||
| Aggressive Plan | |||
| Equity Instruments* | 80% | 100% | High |
| Debt Instruments^ | 0% | 20% | Low to Moderate |
| Aggressive Hybrid Plan | |||
| Equity Instruments | 65% | 80% | High |
| Debt Instruments | 0% | 35% | Low to Moderate |
| Conservative Hybrid Plan | |||
| Debt instruments | 60% | 90% | Low to Moderate |
| Equity instruments | 10% | 40% | High |
| Conservative Plan | |||
| Debt instruments | 80% | 100% | Low to Moderate |
| Equity instruments | 0% | 20% | High |
*Equity Instruments include all equity and equity-related instruments ^Debt Instruments include all debt, debt-related, and money market instruments.
Every plan can take up to 20% exposure to Gold ETFs and up to 10% exposure to REITs/InVITs.
The plans can also invest in foreign securities including overseas ETF to the tune of: up to 35% in Aggressive Plan, up to 15% in Aggressive Hybrid Plan and Conservative Hybrid Plan and up to 10% in Conservative Plan.
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