Growth Goals Get a Pension Boost: Axis Max Life Unveils High-Octane Retirement Fund

Image Source: The Economic Times

Axis Max Life Insurance has launched a new equity-oriented pension scheme designed to turbocharge retirement savings for long-term investors. The Axis Max Life High Growth Pension Fund, introduced under the Forever Young Pension Plan, is now open for subscription through a New Fund Offering (NFO) window from September 22 to October 7, 2025. With a launch Net Asset Value (NAV) of ₹10 per unit, the fund aims to deliver inflation-protected retirement income by investing heavily in mid-cap equities and scalable businesses across emerging sectors.

Key highlights of the launch

1. The fund is available under the Axis Max Life Forever Young Pension Plan, a unit-linked, non-participating individual pension product
2. NFO period runs from September 22 to October 7, 2025, with NAV set at ₹10 per unit
3. Investment strategy includes 70–100 percent allocation to equities, primarily mid-cap stocks
4. Up to 30 percent of the portfolio may be allocated to fixed income instruments for risk management
5. Benchmark index is Nifty Midcap 100, with a fund management charge of 1.35 percent per annum
6. Classified as high-risk, the fund is suitable for investors with a five-year-plus horizon

Investment strategy and sector focus

The Axis Max Life High Growth Pension Fund is designed to capture the growth potential of mid-cap companies while maintaining flexibility to invest across market capitalizations. The fund will diversify its portfolio across scalable businesses in both traditional and emerging sectors.

- Key sectors include renewable energy, electrical equipment manufacturing, financial services, and technology
- The fund will also explore opportunities in infrastructure, IT consultancy, and insurance activities
- A multi-cap approach allows exposure to large-cap and small-cap stocks alongside mid-caps
- Diversification across industries aims to reduce sector-specific volatility and enhance overall performance

Equity-heavy allocation with risk-adjusted flexibility

The fund maintains a minimum equity exposure of 70 percent at all times, positioning it as a high-growth option for retirement planning. However, it retains the flexibility to invest up to 30 percent in government securities, corporate bonds, and money market instruments to manage risk and ensure liquidity.

- This hybrid structure allows the fund to balance aggressive growth with capital preservation
- Investors can expect higher returns over the long term, albeit with increased market volatility
- The fund is best suited for individuals with a long-term retirement outlook and a tolerance for equity risk

Who should invest

The Axis Max Life High Growth Pension Fund is tailored for investors who are:

- Seeking to build a sizeable retirement corpus through equity market participation
- Comfortable with high-risk investments in pursuit of higher returns
- Planning for retirement with a horizon of five years or more
- Interested in inflation-protected income and diversified sector exposure

How to invest

Investors can subscribe to the fund during the NFO period through Axis Max Life’s official channels or authorized distributors. The fund is available exclusively under the Forever Young Pension Plan, which offers additional benefits such as lifetime income options and tax savings.

- Minimum investment starts at ₹10 per unit during the NFO
- Monthly contributions can be customized based on income and retirement goals
- The plan also includes life cover and capital guarantee options for added security

Conclusion: a bold step toward future-ready retirement

With its aggressive equity allocation and focus on mid-cap growth, the Axis Max Life High Growth Pension Fund offers a compelling option for investors looking to supercharge their retirement savings. The fund’s diversified strategy, inflation-protected income potential, and long-term outlook make it a standout addition to the pension fund landscape. As India’s financial ecosystem evolves, such innovative products are poised to redefine how individuals plan for their golden years.

Sources: MSN Money, Business Today, CNBCTV18, Axis Max Life official website