Efficiency of market linked Retirement Plans- Aspiration and Expectations of the Retirement Plans

Marketing Management

International Conference on "Innovative Management Practices"

Risk and uncertainties are part of everyman life’s great adventure. Risk is a condition in which there is a possibility of an adverse deviation from a desired outcome that is expected or hoped for. The risks in the case of human being are related to early death, living too long, disabilities, sickness and unemployment. This paper evaluates Pension as a technique for meeting the problem of risk, i.e. living too long. In this scenario, present study “A Comparative Study on Unit Linked Pension Plans (ULPPs)” is set out to compare Unit Linked Pension Plans to Strategies Company’s market operation and also to determine best ULIPS from the retirement kit offered by the companies. Objective of the study is to compare retirement plans keeping in mind the charges levied by the company and performance of the fund i.e. portfolio of the growth fund .The study was confined to Chennai city, secondary data was used and detailed analysis was made using analytical tools like Portfolio Price to Earnings ratio, Portfolio Price to Book Value ratio, Portfolio Return, Portfolio beta, Portfolio alpha and Portfolio composition. The paper has been concluded by outlining the plans based on performance of fund and it will be useful to individuals to choose more cost-effective and efficient retirement plans for the future.

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