Retirement Planning

Build a robust retirement corpus and secure a steady post-retirement income through NPS, annuities, SWP, and diversified investment strategies — so you can retire on your own terms.

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Retire Comfortably — On Your Own Terms

Retirement planning is not just about saving money — it's about building a financial system that generates enough income to sustain your lifestyle for 25–30 years after you stop working. With rising life expectancy and medical inflation, planning early and strategically is critical.

Our retirement planning service helps you calculate your exact retirement corpus, choose the right investment vehicles, and create a tax-efficient income stream that lasts your entire lifetime.

Whether you're 30 and just starting, or 55 and approaching retirement, we have a tailored strategy for every stage of your journey.

25+

Yrs Post-Retirement

7%

Medical Inflation

Early

Start = More Corpus

Our Retirement Planning Services

Retirement Corpus Calculation

Precise calculation of the corpus you need at retirement, factoring in inflation, lifestyle, medical costs, and life expectancy.

NPS Advisory

National Pension System (NPS) planning for tax benefits under 80C and 80CCD(1B) with optimal fund and allocation selection.

SWP – Monthly Income

Systematic Withdrawal Plans from mutual funds to generate a regular, tax-efficient monthly income post-retirement.

Retirement Portfolio Building

Dedicated retirement portfolio with equity for growth in early years and gradual shift to debt for stability near retirement.

Annuity Planning

Guidance on immediate and deferred annuity products for guaranteed lifetime income from LIC and private insurers.

Tax-Efficient Withdrawal

Structuring post-retirement withdrawals across EPF, NPS, mutual funds, and FDs to minimize tax liability.

The Retirement Planning Advantage

Power of Compounding

Starting at 30 vs 40 can result in 3x more corpus at retirement. We help you start early and stay consistent.

Inflation-Proof Income

We build portfolios that generate returns above inflation, ensuring your purchasing power doesn't erode over time.

Healthcare Cost Planning

Medical costs can consume 30–40% of retirement income. We plan for healthcare inflation with dedicated health funds.

Zero Financial Dependence

Our goal is to make you completely financially independent in retirement — no dependence on children or family.

Retirement Planning at Every Age

Age 25–35: Foundation Phase

Start SIPs in equity funds, open NPS account, build emergency fund, and get adequate term insurance.

Age 35–45: Accumulation Phase

Increase SIP amounts, diversify into PMS/AIF, maximize NPS contributions, and review insurance coverage.

Age 45–55: Consolidation Phase

Shift towards balanced portfolios, reduce risk, plan for healthcare, and finalize retirement income strategy.

Age 55+: Distribution Phase

Set up SWP, annuities, and FD ladders for regular income. Focus on capital preservation and estate planning.

Our Retirement Planning Process

Retirement Goal Discovery

Understand your desired retirement age, lifestyle, travel plans, healthcare needs, and legacy goals.

Corpus Calculation

Calculate the exact retirement corpus needed using inflation-adjusted projections and Monte Carlo simulations.

Gap Analysis

Compare your current savings trajectory with the required corpus to identify the monthly investment needed.

Investment Strategy Design

Build a dedicated retirement portfolio with the right mix of equity, debt, NPS, and alternative investments.

Income Stream Planning

Design post-retirement income streams using SWP, annuities, rental income, and FD ladders.

Annual Review & Rebalancing

Yearly review of retirement progress with portfolio rebalancing and strategy adjustments as life changes.

Frequently Asked Questions

How much corpus do I need to retire comfortably?

A common rule is 25–30x your annual expenses at retirement. For example, if you need ₹10 lakh/year post-retirement, you need a corpus of ₹2.5–3 crore. We calculate this precisely based on your lifestyle, inflation, and life expectancy.

Is it too late to start retirement planning at 45?

It's never too late. Starting at 45 with 15 years to retirement, you can still build a significant corpus by maximizing SIPs, NPS contributions, and leveraging equity growth. We create an aggressive catch-up strategy tailored to your situation.

What is the best investment for retirement in India?

A combination of equity mutual funds (for growth), NPS (for tax benefits and pension), debt funds (for stability), and health insurance (for medical costs) forms the ideal retirement portfolio. The exact mix depends on your age and risk profile.

How do I generate monthly income after retirement?

We set up a Systematic Withdrawal Plan (SWP) from your mutual fund corpus, supplemented by annuity income from NPS/LIC, interest from FD ladders, and rental income if applicable. This creates multiple income streams for a stress-free retirement.

Should I invest in NPS for retirement?

NPS is excellent for tax benefits — up to ₹2 lakh deduction under 80C + 80CCD(1B). However, it has a lock-in till 60 and mandates 40% annuity purchase. We recommend NPS as one component of a diversified retirement portfolio, not the only one.