Retirement Savings Plans

Retirement Savings Plans

Retirement Savings Plans are intended to provide working members of households to save small sums of money periodically to build a larger capital on their retirement that will help them to generate a sizable income to their hand at retirement. This additional savings is expected to complement the statutory funds for retirement such as Employees’ Provident Fund, Employees Trust Fund and private approved provident funds.

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  • Plan A
    Provides the opportunity to save money more aggressively for your future needs on a systematic manner for a period from 10 to 20 years. Investments are channel through     approved funds. This allows investors to invest with more exposure to equity fund where    will be an aggressive return in long run at a high level of risk.
  • Plan B
    Provides the opportunity to save money in a balance path for your future needs on a systematic manner for a period from 10 to 20 years. Investments are channel through approved funds. This option is more suitable for investors who want to invest in a medium level of risk and have a balanced growth of their investment.
  • Plan C
    Provides the opportunity to save money conservatively for your future needs on a systematic manner for a period from 10 to 20 years. Investments are channel through approved funds. Suitable for conservative investors who are willing to invest at a very low level of risk.
Type of Plan Investrust Gilt Edged Fund Investrust Income Fund Investrust Growth Fund
Plan A 30% 30% 40%
Plan B 40% 40% 20%
Plan C 50% 50% Nil

Systematic Investment in Retirement Saving Plan

Start investing today with just as little as LKR 1,000.00 per month

Period of Investment Years Total Investment MATURITY VALUE
PLAN A PLAN B PLAN C
10 LKR 120,000.00 LKR 243,729.44 LKR 211,420.59 LKR 184,165.68
15 LKR 180,000.00 LKR 544,997.83 LKR 433,758.89 LKR 348,345.14
20 LKR 240,000.00 LKR 1,114,414.41 LKR 806,901.12 LKR 592,947.22

Disclaimer: The figures in the above illustration are based on the current returns of the underlying investment securities and the assumed rates are not guaranteed. The actual value of the investment will depend on the investment performance and the market conditions.

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