Looking for Non-Traditional Ways to Secure Retirement? SBI Retirement Benefit Fund Provides an Option FOLLOW US ON: What is SRBF? The SRBF is an open-ended scheme. Your investments will be locked for five years or until retirement (i.e., completion of 65 years of age), whichever is earlier. The fund offers four plans for investors with various risk-profiles, by allocating to equity and debt. Aggressive: 80-100 percent in equities; Aggressive hybrid: 65-80 percent in equity; Conservative hybrid: 10-40 percent in equity; and conservative up to 20 percent in equity are the four options. Each plan also has a provision to invest in Gold ETFs and foreign securities.