RETIREMENT PLANNING
Build a sufficient retirement corpus through systematic savings and smart investments. Maintain your desired standard of living without financial worry.
Retirement planning is the process of determining how much money you'll need after you stop working and creating a strategy to accumulate that corpus. It's about ensuring you can maintain your lifestyle, cover healthcare costs, and fulfill dreams without depending on anyone financially.
Most Indians underestimate retirement needs. If you retire at 60 and live till 85, that's 25 years without salary. With inflation at 6-7%, your ₹50,000 monthly expense today becomes ₹2 lakhs after 25 years. We help you build a corpus that not only lasts but grows during retirement.
Only 16% of Indians have a structured retirement plan. The rest depend on children, sell assets, or compromise their lifestyle drastically.
Average retirement corpus of Indians is ₹15-20 lakhs—barely enough for 5-7 years of basic living.
Healthcare costs rise 12-15% annually after age 60. A corpus insufficient for healthcare means financial disaster.
Starting early makes all the difference. ₹10,000/month for 25 years @ 12% = ₹1.89 crores. Wait 10 years? Same amount = ₹64 lakhs only.
Scientific estimation of how much you need based on current expenses, inflation, and expected lifespan.
Age-appropriate asset allocation that balances growth (early years) with stability (closer to retirement).
Strategic use of NPS, PPF, EPF, and pension-oriented mutual funds for tax-efficient wealth accumulation.
Creating post-retirement cash flow through SWPs, dividends, annuities, and debt instruments.
Six compelling reasons to start planning today—not tomorrow
Starting at 30 vs 40 makes a 2-3x difference in final corpus. ₹15,000/month for 30 years @ 12% = ₹5.24 crores. Same amount for 20 years = ₹1.49 crores only. Those 10 extra years triple your wealth through compounding magic.
At 7% inflation, prices double every 10 years. Your ₹30,000 monthly expense today becomes ₹1.2 lakhs after 20 years. Without planning, you'll either compromise lifestyle drastically or run out of money. We factor inflation into every calculation.
Indians are living longer—average life expectancy is now 70+. If you retire at 60, you need to fund 20-25 years without income. That's as long as your entire working career! Corpus must last and grow during retirement to beat inflation.
Medical expenses grow 12-15% annually—double the general inflation rate. A single hospitalization can wipe out years of savings. Your retirement plan must include a dedicated healthcare corpus of ₹30-50 lakhs minimum, separate from living expenses.
Private sector employees get no pension. EPF gives a lump sum, not monthly income. Even government pensions often fall short of expenses. You must create your own pension through systematic investing in equity, debt, and pension funds like NPS.
Don't burden children. Don't sell ancestral property. Don't compromise dreams. A well-planned retirement means living with dignity, traveling, pursuing hobbies, and gifting to family—without asking anyone for money. That's true freedom.
Avoid these errors that derail retirement dreams
"I'll start saving after 40" is the biggest mistake. Those crucial early years of compounding are lost forever. Starting at 25 vs 40 reduces required monthly investment by 60-70% for the same retirement corpus.
Thinking "₹1 crore is enough" without calculating properly. With inflation, medical costs, and longevity, most people need ₹3-5 crores minimum for comfortable retirement. We calculate your exact requirement scientifically.
EPF and PPF give 7-8% returns—barely beating inflation. They're safe but insufficient. You need equity exposure (through mutual funds) for the first 15-20 years to build a substantial corpus. Shift to debt only closer to retirement.
Not planning for medical emergencies. Post-60, healthcare becomes the biggest expense—medicines, checkups, surgeries. Create a separate healthcare corpus and buy adequate health insurance. Don't dip into retirement corpus for medical needs.
Building corpus but not planning how to withdraw it. Lump sum withdrawal = high taxes and early depletion. We design SWPs (Systematic Withdrawal Plans), annuities, and dividend strategies for tax-efficient monthly income post-retirement.
Breaking retirement investments for child's wedding, vacation, or other "urgent" needs. Every withdrawal compounds negatively—reducing final corpus by lakhs. Maintain emergency fund separately; never touch retirement savings before retirement.
Our retirement planning framework calculates exact corpus needed, builds it systematically, and creates post-retirement income streams.
Start Your Retirement PlanFrom goal-setting to execution and monitoring
We assess your current age, income, expenses, existing investments (EPF, PPF, insurance), liabilities, and dependents. Understanding where you are today is the first step to planning where you'll be at retirement.
When do you want to retire? At 60? Or 55 for early retirement? What lifestyle do you envision—modest, comfortable, or luxurious? Do you plan to travel, pursue hobbies, relocate? These choices determine corpus requirements.
Using your current monthly expenses, expected retirement age, life expectancy (85+), and inflation rate (7%), we calculate the exact corpus you need. Example: ₹50,000/month expenses today = ₹4+ crore corpus needed for 25-year retirement.
Based on required corpus and years remaining, we calculate monthly investment needed. For ₹4 crore in 25 years @ 12% return, you need ₹20,000/month SIP. We also factor in existing investments and salary increments over time.
Age-based allocation: 30s-40s = 80-90% equity for growth. 40s-50s = shift gradually to 60-70% equity. Last 5 years before retirement = move to 30-40% equity, rest in debt for capital protection. We rebalance this automatically.
We select optimal products: equity mutual funds (SIPs), NPS for tax benefits (extra ₹50k deduction under 80CCD), PPF, debt funds. Start SIPs, set up auto-debit, complete documentation—entire process paperless and hassle-free.
We review progress annually: Are you on track? Has salary increased (increase SIP accordingly)? Life changes (marriage, child)? Market performance? We adjust investments, rebalance, and ensure you stay on the path to your retirement goal.
Building corpus is half the job—creating sustainable income is the other half
Withdraw 4% of your corpus annually (adjusted for inflation each year). A ₹4 crore corpus gives ₹16 lakhs/year or ₹1.33 lakhs/month—sufficient for most comfortable retirements. This ensures your corpus lasts 25-30 years.
Set up monthly SWPs from debt and hybrid funds. Automatically receive ₹50,000-1 lakh monthly in your bank account. Tax-efficient compared to fixed deposits. Remaining corpus continues growing.
Invest 20-30% corpus in high-dividend-yield stocks/funds. Receive quarterly dividends without selling units. Blue-chip companies (like HDFC, ITC, Hindustan Unilever) give 3-5% dividend yield annually.
Use 15-20% corpus to buy immediate annuity from LIC/insurers. Guaranteed monthly pension for life. No market risk. Good for basic expense coverage, leaving remaining corpus for growth and discretionary spending.
Park 40-50% corpus in debt mutual funds or Senior Citizen Savings Scheme (SCSS). Earn 7-8% annually with low risk. Provides stability to portfolio while generating regular income without depleting principal.
If you own property, rent it out for monthly income. A ₹50 lakh property can generate ₹15-20k/month rent. Real estate provides inflation protection plus rental yield—double benefit for retirees.
Divide corpus into 3 buckets: 2-year expenses in liquid funds (immediate needs), 3-7 years in debt funds (short-term), 7+ years in equity (long-term growth). Refill buckets from equity gains periodically.
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