How to accumulate “Enough” Savings required for your Life?
Retire Confidently!

Retirement Corpus is a moving target but one has to “START” early by investing with a fixed Goal!

Click to Understand how we Build your Corpus

Portfolio Overview

100% Allocated
  • Equity / Derivatives 50%
  • Mutual Funds / REITs / NPS 25%
  • Gold / Silver & Metals 10%
  • Unlisted Pre & SME IPOs / Private Equity / SIFs etc. 10%
  • FDs / Bonds / Cash etc. 10%
Portfolio Chart
Annual Growth *9-15%
Target Corpus *Depends on you

*We generally attempt to achieve the above returns.

A Retirement (Pension) Corpus additionally should not be mixed with - immovable assets and investments
(like – Real Estate – Land / Flat / purchase of vehicle / expensive possessions etc.)

Also additionally, each customer should have adequate coverage in Term Life, Health and Home insurance

*These are to be treated separately

25+ Years

Investing Experience

15+ Assets

Most Diversified Portfolio

Innovative / Futuristic & Secure

Strategy

Asset Allocation

to cater to all customer categories and requirements

INVULB has
Four Pension Plans –

Conservative

For cautious investors designed for minimal risk while targeting medium-to-long-term gains.

Expected Returns 9% per annum*
Moderate

For steady growth seekers aiming for better returns over time with modest risk.

Expected Returns 11% per annum*
Aggressive

For growth-focused investors willing to take higher risks for potentially greater rewards.

Expected Returns 13% per annum*
Ultra-Aggressive

For high-risk takers ready to take bold risks to maximise long-term returns.

Expected Returns 15% per annum*

Ideally in the Long Term – INVULB will try to achieve a combination of Investments which will have the below Corpus Split proportion –

Equity / Derivatives
50%
MF Baskets / REITs / NPS
25%
Gold / Silver & Metals
10%
Unlisted Pre & SME IPOs / Private Equity / SIFs etc.
10%
FDs / Bonds / Cash etc.
10%

The above proportion (mix) of Investments to build your Retirement / Pension Corpus is for a period of at least 10+ years (to retirement), and for a period below that timeline (less than 10 years) more weightage is to be given to
Mutual Funds / Gold & Silver or Metals / Fixed Deposits & Liquid Investments

Dynamic Target Investing

How Your Retirement Target Changes Over Time

For us, Retirement or Pension Corpus will always be a "dynamic target" with so many things acting as a Variable across the world.

Starting Goal (Not sure)
Age 30 in 2025
₹1 Cr
Retirement Need (After multiple iterations)
Revised by age 55 in 2050
₹1.8 Cr
Flexible Goal
Due to real-world variables
Fixed - 70% Variable - 30%

Your Evolving Retirement Target

"Dynamic Target Investing" - is basis multiple factors – Global Economy / Current situation of India / Inflation in general / Healthcare & Education Expenses / Family support systems / Earning capacity and many... many... more factors!

₹0.2 Cr ₹0.5 Cr ₹0.75 Cr ₹1 Cr ₹1.5 Cr ~ ₹2 Cr 2025 2030 2035 2040 2045 2050 Rebalance Step up / Top up Explore additional Financial products Consolidation

Life Events That Change Your Target

2025
Age 30
Initial Goal
2030
Age 35
Inflation Impact
2035
Age 40
Lifestyle Changes
2040
Age 45
Healthcare Costs
2045
Age 50
Life Expectancy
2050
Age 55
Final Target

Why This Matters

At "INVULB" we believe a customer should have 70% Target more or less Fixed and 30% Variable or subject to change (Increased!) Hence the moving target is 30%, to be built into the investment cycle as and when the customer starts building Pension Corpus for the Long-Term. The 30% is managed via – Rebalancing / Step Up Options / Portfolio Churn etc.

Plan Smart   •   Stay Flexible   •   Retire Confident

How do we do this – Our Core Investment Philosophy

We have a defined Pattern to build the Corpus on Equity, Derivatives / Mutual Funds / Gold & Metals etc.

Equity / Derivatives (Super 30 / SAFESTOX)

INVULB will follow 3 steps approach to build your corpus via investments in Equity / Derivatives.
The customer will undergo a combination of all 3 (steps) to build the Retirement corpus

50% of Corpus
Step 1

SAFESTOX

Bundle of 10 to 15 stocks (Equity Baskets)
  • Screened for consistency, governance, value, reliability, and size
  • Built for long-term wealth creation
Step 2

Super 30

Build a portfolio of up to 30 stocks
  • Specific focus on multi bagger stocks
  • Focus on around 10 verticals where companies in India with global potential to be leaders.

Aim is to accumulate a critical mass of equities based on Steps 1 and 2, and hold these investments (Ideally 10+ Years) to be vested upon retirement.

The basket is a combination of SAFESTOX and Super 30 stocks. This combined with Portfolio Strategies (Step 3) will help in generating recurring income from accumulated equity base.

Step 3

Portfolio Strategies

Smart Income
  • During investment - Implement steps — such as stock lending, derivatives, and other portfolio monetization techniques.
  • Utilize share pledging and calculated leverage to manage market volatility and gradually increase share holdings.
  • Goal is to generate additional income with expanding portfolio & maintain manageable leverage at low risk profile.
  • All derivative positions to be fully covered / structured with defined risk limits & with strict avoidance of naked or unlimited-risk exposures.

Portfolio Strategies help reduce opportunity costs from market mispricing and volatility, preserving long-term holdings and maintaining tax efficiency.

Up to 25%
MF Baskets / REITs / NPS
  • Invest in 5-10 MF schemes
  • MF Schemes invested in a "Basket" strategy
  • Portfolio Rebalancing with regular monitoring to optimize performance
Up to 10%
Gold / Silver & Metals
  • Invest & hedge in 'Neutral' currency
  • Accumulate a corpus of Metal Holdings (Gold or Silver ETFs / Digital Gold & Silver / 24K Metal Bars / Sovereign Gold Bond schemes etc.)
Up to 10%
Unlisted Pre & SME IPOs / Private Equity / SIFs / P2P etc.
  • Boutique investment opportunities and options explored as part of diversification strategy gained from access to innovative investments
Up to 10%
FDs / Bonds / Liquid Instruments & Cash etc.
  • In addition, as a buffer and safety net some proportion of corpus is to be held in relatively safe Financial Instruments.

Pension Corpus - Withdrawal Strategy (Annuity)

The expectation is to achieve a critical mass of Retirement Fund Corpus

On Retirement or during the phase when the customer is considering to utilise the Pension Fund Corpus, in general the following will be the options of withdrawal -

Complete Withdrawal (Ideally not recommended)

Systematic withdrawal (A good approach)

Partial Withdrawal (To be considered on a case to case basis)

Conversion of the Pension Corpus to safer Financial Instruments with easy liquidity (Can be considered)

All these are quite flexible as per the individual customer needs and requirements.