Retirement Planning
Retire Rich, Live Free
Retirement is when you stop living at work and start working at living.
Overview
What is Retirement Planning?
Do you know your number? Do you know how much capital you need when you reach retirement to sustain your standard of living for the rest of your life? Do you know how much you have to save to reach your number? Do you have a plan and process that can provide an optimum return and withstand the emotional roller coaster investors constantly experience?
It is important that you have enough funds to support yourself when you grow older, rather than depend on your children or other sources for financial support. We help you plan meticulously for your retirement fund, so that you can build your retirement corpus starting now, and so that your retired years could be stress free.
Benefits of Retirement Planning
Know your number — how much capital you need at retirement to sustain your standard of living.
Build a disciplined savings plan to reach your retirement corpus target.
Plan meticulously so your retired years are stress free.
Reap the benefits of Long Term Compounding by starting early.
Ensure you have enough funds to support yourself rather than depend on children or other sources.
Create a process that provides optimum returns and withstands the emotional roller coaster investors experience.
How Retirement Planning Helps You
Corpus Calculation
We estimate your retirement corpus factoring in inflation, lifestyle, healthcare, and life expectancy so you know exactly how much you need.
Accumulation Strategy
We design a SIP and lump sum strategy across equity and debt to build your target corpus with disciplined, long-term compounding.
Withdrawal Planning
Post-retirement, we set up SWP and annuity plans for tax-efficient monthly income so you never outlive your savings.
Common Mistakes in Retirement Planning
Simply buying retirement plans assuming it will be enough to accumulate retirement corpus.
Withdrawing retirement savings such as provident fund (PF) before retirement age.
Ignoring inflation during annuity period and assuming aggressive rate of return on investments.
Underestimating the amount that should be accumulated for retirement.
Thinking that growing funds through investments alone would be enough to retire peacefully.
Ignoring expenditures on health, grandkids, travel and social responsibilities.
When Do You Need Retirement Planning?
Most of us will not be able to retire on time — 90% fail to build sufficient retirement fund by age 60.
About 50% may not be employed after 45 years of age, leading to forced retirement.
You are a professional in your 30s wanting to start early and leverage long-term compounding.
You are in your 50s and need an accelerated plan to catch up on retirement savings.
You are already retired and need to generate tax-efficient monthly income from your existing corpus.