Back to Basics: All You Wanted to Know About Retirement Funds thehindubusinessline.com Retirement funds provide lock-in period, tax benefits & multiple variants. Though they have no significant advantage over other MFs, they enable financial discipline & hands-free solution. ELSS funds have lesser lock-in, better track record & tax benefits. Invest in flexicap equity fund & gradually transfer to hybrid/debt-oriented schemes as you grow old. .... read more