An Arthgyaan Package is a systematic investment plan to invest for a goal, a dream and a future.
Each package is a mutual fund bundle aimed at building a corpus by a certain date in the future.
The objective of investing into a package is to help pay for a well-defined goal like retirement (normal or early), children’s college (whether in India or abroad) and your dreams (like a house or a luxury car).
Which are the categories of packages available?
Buying a Car packages Undergraduate College Degree packages Buying your dream house packages Dream Vacation packages Engineering Degree College packages Financial Independence packages Financial Independence and Retire Early (FIRE) packages Foreign MBA Degree packages Foreign Vacation packages Masters and PhD Program packages MBA Degree packages Medical Degree College packages Postgraduate College Degree packages Retirement packagesBuying a Car packages
The Arthgyaan Package is a systematic investment plan to save for your dream car, reducing the need for large loans or EMIs.
Packages are available for the following years:2030 2031 2032 2033 2034 2035 2036 2037 2038 2039 2040 2041 2042 2043 2044 2045
Undergraduate College Degree packages
The Arthgyaan Package is a structured investment plan to fund your child’s undergraduate education. SIPs help parents systematically build a corpus for this major expense.
Packages are available for the following years:2030 2031 2032 2033 2034 2035 2036 2037 2038 2039 2040 2041 2042 2043 2044 2045
Buying your dream house packages
The Arthgyaan Package is a structured investment strategy to accumulate funds for a dream home, the biggest financial milestone for most individuals.
Packages are available for the following years:2030 2031 2032 2033 2034 2035 2036 2037 2038 2039 2040 2041 2042 2043 2044 2045
Dream Vacation packages
The Arthgyaan Package is a goal-based investment package for a once-in-a-lifetime vacation, whether domestic or international, ensuring stress-free travel budgeting.
Packages are available for the following years:2030 2031 2032 2033 2034 2035 2036 2037 2038 2039 2040 2041 2042 2043 2044 2045
Engineering Degree College packages
The Arthgyaan Package is a targeted investment plan for financing an engineering degree, helping parents systematically save for their child’s future education.
Packages are available for the following years:2030 2031 2032 2033 2034 2035 2036 2037 2038 2039 2040 2041 2042
Financial Independence packages
The Arthgyaan Package is a structured approach to achieving financial independence, helping investors build wealth for a self-sustaining future.
Packages are available for the following years:2030 2031 2032 2033 2034 2035 2036 2037 2038 2039 2040 2041 2042 2043 2044 2045 2046 2047 2048 2049 2050 2051 2052 2053 2054 2055 2056 2057 2058 2059 2060
Financial Independence and Retire Early (FIRE) packages
The Arthgyaan Package is a goal-based plan to accumulate wealth for early retirement. SIPs ensure steady, long-term compounding for financial freedom.
Packages are available for the following years:2030 2031 2032 2033 2034 2035 2036 2037 2038 2039 2040 2041 2042 2043 2044 2045 2046 2047 2048 2049 2050 2051 2052 2053 2054 2055 2056 2057 2058 2059 2060
Foreign MBA Degree packages
The Arthgyaan Package is a dedicated investment plan for an MBA abroad, helping you systematically save for tuition, living expenses, and other costs.
Packages are available for the following years:2030 2031 2032 2033 2034 2035 2036 2037 2038 2039 2040 2041 2042 2043 2044 2045
Foreign Vacation packages
The Arthgyaan Package is a structured plan to fund recurring international vacations. SIPs help travellers create a dedicated corpus for hassle-free travel expenses.
Packages are available for the following years:2030 2031 2032 2033 2034 2035 2036 2037 2038 2039 2040 2041 2042 2043 2044 2045
Masters and PhD Program packages
The Arthgyaan Package is a structured SIP-based approach to fund an MS-PhD program, ensuring you accumulate the necessary corpus for long-term education goals.
Packages are available for the following years:2030 2031 2032 2033 2034 2035 2036 2037 2038 2039 2040 2041 2042 2043 2044 2045
MBA Degree packages
The Arthgyaan Package is an investment package to fund an MBA. With education costs rising, SIPs offer a strategic way to build a higher education fund.
Packages are available for the following years:2030 2031 2032 2033 2034 2035 2036 2037 2038 2039 2040 2041 2042 2043 2044 2045
Medical Degree College packages
The Arthgyaan Package is a goal-based SIP strategy to build a fund for medical education, covering tuition fees and other academic expenses.
Packages are available for the following years:2030 2031 2032 2033 2034 2035 2036 2037 2038 2039 2040 2041 2042
Postgraduate College Degree packages
The Arthgyaan Package is a goal-based investing plan to finance a postgraduate degree. SIPs provide a disciplined approach to accumulating the required funds over time.
Packages are available for the following years:2030 2031 2032 2033 2034 2035 2036 2037 2038 2039 2040 2041 2042 2043 2044 2045
Retirement packages
The Arthgyaan Package is a structured investment plan for retirement, ensuring financial security in your later years through systematic wealth accumulation.
Packages are available for the following years:2030 2031 2032 2033 2034 2035 2036 2037 2038 2039 2040 2041 2042 2043 2044 2045 2046 2047 2048 2049 2050 2051 2052 2053 2054 2055 2056 2057 2058 2059 2060
Frequently Asked Questions (FAQs) about Arthgyaan packages
Why is the consultation meeting paid?
We believe that a paid meeting provides sufficient commitment from both parties to effectively utilise the meeting time. A single follow-up meeting within 60 calendar days is free.
Is the investment plan guaranteed?
Mutual funds do not provide return guarantees. The package of funds on this page does not provide any guarantee of returns implied or otherwise.
Why should I invest in this package if there are no guarantees?
Historically mutual funds have created wealth for investors. While mutual fund returns are not guaranteed, with proper planning and risk management, there is a higher chance of meeting your investment goals via mutual funds vs. investing in mutual funds without such a plan.
Which is the best mutual fund for investment?
There are 10,000+ mutual funds in India and the ranking of best funds changes daily. So, a much better approach is to create a plan that makes it more likely to reach the purpose of investment instead of looking for best returns. If you wish to learn more about investing without worrying about what the market is doing or which product to invest in next, then choose a suitable package.
Read more on this here: Why Chasing Mutual Fund Returns is a Proven Way to Destroy Wealth?
I am uncomfortable with taking too much risk. Should I invest in this package?
Every package can be customised for your risk-taking ability and willingness. One good thing about this package is that as the goal comes closer, your portfolio is automatically moved from risky to less risky funds via rebalancing when we review your progress towards the goal. Also, if you are not comfortable with any particular type of mutual funds, they will be excluded from the portfolio.
What if I wish to invest more or less than the shown SIP amount?
The SIP amount shown in the package is as per the example goal amount. If you invest more or less, the final amount will also differ in the same proportion.
What if my goal amount is more than what is shown in the package?
You must adjust the SIP amount for the new goal amount. For example, if the goal amount doubles, the SIP amount will also be doubled.
What if I don’t want to invest a lump sum today and start only the SIP?
In such a case, you must invest more amount monthly to reach the same goal.
Can I step up my SIP amount?
By default, we assume 5% step up in the total investment amount year-on-year. If you step up by a higher amount, the goal amount will likely be reached faster or be higher.
Can I invest lump sums any time into the package?
Yes, you can. The amount of corpus you are expected to reach will be different (typically more).
Can I stop my SIP anytime?
Yes, you can. The amount of corpus you are expected to reach will be different (typically less).
How long do I have to invest?
The package assumes that you will be investing for a certain number of years. If you wish to invest for a shorter period, the amount you must invest starting today will then be higher per month.
Is there any insurance plan in this package?
No. However, to ensure that the goal is not disrupted due to the untimely death of the person whose income will be used to invest, they should take additional term insurance to cover the goal amount.
Read more on this concept here: Term Insurance Explained: Why You Need It & How Much to Get For Your Financial Goals.
Is any personalised investment advice being provided?
No. In accordance with SEBI regulations, no personalised investment advice is being provided here.
Disclaimer about investing in Mutual Funds
Mutual fund investments are subject to market risks, read all scheme related documents carefully. The NAVs of the schemes may go up or down depending upon the factors and forces affecting the securities market including the fluctuations in the interest rates. The past performance of the mutual funds is not necessarily indicative of future performance of the schemes. The Mutual Fund is not guaranteeing or assuring any dividend under any of the schemes and the same is subject to the availability and adequacy of distributable surplus. Investors are requested to review the prospectus carefully and obtain expert professional advice with regard to specific legal, tax and financial implications of the investment/participation in the scheme.
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This article introduces the Arthgyaan Retirement Package which simplifies investment decisions for retirement by optimizing portfolio allocation, rebalancing strategies, and long-term wealth creation.
Published: 12 March 2025
7 MIN READ
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