For a 40-year-old in Pune, the best retirement mutual funds in Pune would be a balanced portfolio. At this age, you still have 15-20 years for your investments to grow, so a high allocation to equity is still a good idea. A mix of large-cap funds for stability and multi-asset funds for diversification. https://www.goldenmeanfinserv.com/goal-based-financial-planning-in-pune.php