What is a better stocks, Mutual fund or bonds for retirement?

[shyam.trivedi]

What is a better stocks, Mutual fund or bonds for retirement?

 

[shyam.trivedi]

For a standard retirement plan whether 15 years is short or long term depends on the age at which you could being to invest. For example if you start a retirement fund at the age of 20, 15 years would be a short term. It is not possible to say which is the better option for a retirement plan but mutual fund seems to be the most beneficial in long term. There are many portals that gives you the information like Reliance mutual fund, ICICI, HDFC.

 

[Avadhoot Nasikkar]

What is a better stocks, Mutual fund or bonds for retirement?

First determine the proportion of debt and equity allocation as per your current age and risk appetite.
Now a days gold has also been added as an asset class, you shall have to slash debt and equity allocation judiciously to accommodate gold.
If one does not have adequate knowledge about instrument analysis then he should go for mutual fund option.
Though choosing appropriate MF scheme also requires skill or investment adviser's advice.
Now a days multi-asset funds are also hitting the market which invests in debt, equity, commodity and real estate.
For directly investing into bond market one should properly understand the interest rate cycle as bond prices fall with rising interest and the vice-versa.
For retirement one should first set the target and then judiciously allocate across various different asset classes.