Dreaming Of Big Retirement Corpus? Check THESE 4 Solution Oriented Mutual Funds With 29% Gains in 5 Yrs

Early investment and savings ensure that people have a decent retirement corpus at the time of their retirement. Planning early, makes investment easier and consistent without increasing the burden on the investors. Solution-oriented mutual funds offer relatively stable and decent returns in long term.

The Securities and Exchange Board of India has approved the categorisation of mutual funds in different categories like equities, debt mutual funds, hybrid, solution-oriented, etc.

What is Solution-Oriented Mutual Fund?

Falling in one of the categories, as per SEBI guidelines, Solution-Oriented Funds offer stable returns and focus on special long-term goals like retirement or child's future planning.

These mutual funds often include a lock-in period. This feature is intended to promote long-term investing by discouraging early withdrawals. The lock-in period helps investors stay committed to their financial objectives over time.

Solution Oriented mutual funds have been further categorised into two sub-categories, ie retirement fund or children fund. As the name suggests, retirement fund deals with the long-term investment goals related to building a decent retirement corpus. These mutual funds come with a lock-in period of five years (or till retirement or child attains age of majority).

Top Retirement Mutual Funds

The top retirement mutual funds under the solution-oriented MF category offer an average return of nearly 25% in a duration of five years. The maximum return is offered by ICICI Prudential Retirement Fund- Pure Equity Plan. It has offered a return of 29.61% in 5 years, according to AMFI data as on 24 June.

Scheme Name	Benchmark	Direct (%)	Direct Benchmark (%)
ICICI Prudential Retirement Fund - Pure Equity Plan	Nifty 500 TRI	35.5600	31.43
HDFC Retirement Savings Fund - Equity Plan	Nifty 500 TRI	57.1670	28.55
Nippon India Retirement Fund - Wealth Creation Scheme	BSE 500 TRI	31.9511	23.65
ICICI Prudential Retirement Fund - Hybrid Aggressive	CRISIL Hybrid 35+65 - Aggressive	28.3300	23.89

Solution Oriented Mutual Funds: What Are The Benefits?

Most of the mutual funds under this category focus on investing in combination of equity and debt to minimise risk and maximise returns in long term. This approach helps in managing risk while aiming for returns that support the investor's specific financial plans.
By focusing on specific life events or milestones, these funds provide a structured path for financial planning. They offer a disciplined approach to saving and investing, which can be beneficial for those who might otherwise struggle with maintaining long-term investment strategies.

Solution-oriented mutual funds category is suitable for individuals aiming to meet distinct financial needs through strategic asset allocation. Their design encourages sustained investment, aligning with personal goals over an extended period.

As of May 31, 2025, there are 29 retirement schemes with a combined asset size of ₹31,007 crore. These schemes are part of the mutual fund industry in India and cater to individuals planning for their retirement.

According to data from the Association of Mutual Funds in India (AMFI) dated June 19, 2025, some of the prominent retirement funds include UTI Retirement Fund with assets worth ₹4,703 crore. Nippon India Retirement Fund manages ₹3,156 crore, while HDFC Retirement Savings Fund holds assets amounting to ₹6,503 crore. Additionally, SBI Retirement Benefit Fund's aggressive plan has an asset size of ₹2,900 crore.

These funds play a crucial role in helping individuals secure their financial future post-retirement by offering various investment options tailored to different risk appetites and financial goals. The diversity in these funds allows investors to choose plans that align with their long-term objectives.

The growth in assets under management reflects the increasing awareness and participation among Indian investors in retirement planning. As more people recognise the importance of securing their financial future, these funds continue to attract significant investments.

Overall, the mutual fund industry is witnessing a steady rise in retirement-focused investments. This trend indicates a positive shift towards proactive financial planning among individuals aiming for a comfortable and secure retirement.