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The early is better in terms of retirement fund investment. You can start investing in the retirement fund as soon as you plan for your retirement. Retirement funds invest your money as per your age and manage risk.
If you have started investing in the retirement funds at the age of 25 or below 40 years, these schemes invest in the equity assets. If you attain the age of 45 years, these schemes invest in hybrid form, which means 60% in equity assets and the rest of 40% in debt and liquid instruments. However, if you are above the age of 60 and cannot afford any kind of risk on your investments, these funds will invest the 100% of your corpus in debt instruments.
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