Sooner or later in life we all think of what after retirement. Though in the youthful years of working, we might take it lightly, but circumstances of life do put across the question in front of us and get us worried. Definitely, our lifestyles now need a secure tomorrow when the flow of income will see a gradual slowdown and the rising inflation might make it tough to match our expenses then.

To further move ahead on your retirement planning with mutual funds, it is essential that you as an investor have an overview on how retirement planning works. It all begins with investing funds in the initial stages since then you are young, have little liabilities and more risk taking ability. Gradually it gets to maintaining the funds and finally getting the payout and withdrawal option when you need it the most. Mutual funds, as well follow the same path when aimed at retirement plans.

But, in order to plan your retirement with mutual funds, you need to understand the type of funds that are available, so you can choose them basis your requirement, risk appetite, term of investment etc. Some of the mutual fund types best suited for retirement are:

Diversified Equity Funds
Investing into varied kinds of equity funds makes this scheme aggressive. It has potential to get you high returns, but is quite risky as well. Equities perform well in the long run and make a good investment fund if you begin investing at a young age.

2. Thematic/Sector Funds

These funds get more specific with the sector you want to invest in and also get a little more risky. Suitable for aggressive investor, there’s option of mid-cap, small and very small cap stocks. These funds are sensitive to economic parameters and each year there’s a new leader in performance.

3. Asset Allocation Funds

Also referred to as life stage funds, these schemes invest in equities at an early stage when you are young and gradually change the portfolio according to your risk taking ability as you age. Asset allocation funds try and reduce your exposure to volatile assets and shift to more stable options, rebalancing the portfolio accordingly.

4. Systematic Investment Plans

If you are good with investing in equities but need a more systematic and controlled approach, Systematic Investment Plans (SIP) plans are best way to go about it. This keeps the volatility at bay and continues investing regularly a fixed amount, on a predefined date of every month. So when the market falls, you get more units at a lower price and when the market rises, the value of your investment goes up. Thus making the whole affair a win-win situation.

5. ELSS Funds

ELSS fund is the most favorable scheme for both your retirement plans and tax saving. These too offer diversified equity funds but have lock-in period of only three years and are eligible for tax deductions as well. So both the dividends and the capital gains come tax-free under section 80C. Also being equity linked these tend to bring highest returns with the benefit of tax savings.

When someone tells you that he has just had the greatest trip of his life, you can be rest assured that the person must have returned from Egypt. Egypt, one of the giant tourism places, enjoys an unsurpassable popularity amongst people of all age groups and cultures. The mix of history, mystery, monuments and museums certainly lend this country an unbeatable amount of popularity which stems from internal craving of die-hard travelers. And then there is the Nile which has spawned so many stories and documentaries over the years. The best tribute on its mystery and magic was perhaps paid by author Agatha Christie who based her novel ‘Death on the Nile’ on a private Nile cruise.

Dahabiya Nile Cruise gives you the loveliest opportunity to discover the life and history of this country. Here are some reasons why you should book a cruise to make the most of your trip:

Incomparable experience: Traveling to Cairo, Luxor and Aswan through flights is another thing, and sailing into these corners via the Nile is another! Nile is a river which is mystical and phantasmagoric. The experience one gets as one kisses the breeze and the turquoise waters is simply unworldly. Though one may enjoy a river cruise ride on any other part of the world as well, but Nile has that blood-curdling charm & thrill which is just enough to send goose bumps all over your body.

Exoticness: If you wish to add a flavor of exoticness to your Egypt tours, then get yourself on a cruise. These crew members will serve you like a king. The hospitality is great and you can live regally for the 2-4 days of your itinerary. The rooms are eyeball popping owing to the amount of finesse that has gone into their furnishing. The view from the deck is one which will make a place in your heart. The food is too good to forget in a hurry, and the ambience is that of joie de vivre. Even the facilities for recreation will woo you. In a luxurious private Nile cruise, you can also enjoy cabaret performances and shows by other artists.

Greater sightseeing: If you go purely by sightseeing, then surely a cruise gives you a better chance of taking up everything. You can observe the monuments and temples right from the distance as your vessel approaches them slowly. There is also plenty of flora and fauna around including the marine aqua life. It is possible to see all the eminent structures of Egypt through this vessel. Cairo, Luxor, Aswan and Giza- all the important cities can be covered by Dahabiya Nile Cruise in just 3-4 days.

Time and money saving: Since, the cruise ride allows you to cover all the major destinations in less than a week, you save a lot of time and a lot of money. Also, you get to maximize sightseeing even with a short trip.
Customized services: When you are on Egypt tours, you can expect excellent facilities including games, lounge and pool. You can also demand customized services.

About The Author:
This article is written by Andrew Holtom on behalf of Orientaltoursegypt, this is having topics on Dahabiya Nile Cruise, private Nile cruise, Egypt tours and for more details about the above topics please visit: http://www.orientaltoursegypt.com/

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