Salaried couple in Ahmedabad building a retirement + child education plan
Profile
Both salaried, age 34 & 31, 1 child (age 3), living in Ahmedabad
Situation
Multiple small SIPs and insurance policies started over the years without a clear goal map. Tax saving done last-minute in March. No clarity on retirement corpus or child education costs.
Our approach
- • Consolidated all goals into 3 buckets – retirement, child education, and protection.
- • Used the Retirement and Goal Calculators to quantify target corpus and required SIPs.
- • Set up SIPs in diversified equity funds for retirement and child education, plus ELSS/NPS for tax optimisation.
- • Aligned term and health insurance so that long-term SIPs can continue even if income is disrupted.
Outcome (illustrative)
A single, trackable plan with monthly SIPs increasing at a planned rate every 2–3 years. Annual review to adjust contributions as income grows.
Figures used above are for illustration and are not promises or guarantees. Actual results depend on market returns, investor behaviour and many other factors.
Business owner converting one-time surplus into future retirement income
Profile
Self-employed, age 45, manufacturing business, surplus from property sale
Situation
Received a sizeable lump sum from a property sale. Funds were lying in current/FD accounts at low rates. No separate retirement corpus or SWP plan.
Our approach
- • Separated working capital needs from long-term retirement needs and emergency buffers.
- • Deployed a portion into a mix of equity and hybrid funds via a staggered STP, keeping an adequate contingency corpus in liquid/short-duration debt.
- • Used the SWP Calculator to illustrate how a part of this corpus could later be converted into a pension-like monthly income.
- • Planned a gradual risk reduction 5–7 years before retirement, shifting more into hybrid and debt funds.
Outcome (illustrative)
Clear visibility on how today’s lump sum can support tomorrow’s retirement income, along with a documented review schedule.
Figures used above are for illustration and are not promises or guarantees. Actual results depend on market returns, investor behaviour and many other factors.
NRI professional creating an India-focused portfolio alongside global assets
Profile
Software engineer in UAE, age 37, family in Gujarat, goal to retire partly in India
Situation
Savings largely in overseas bank deposits and employer plans. Unsure how to start investing in Indian mutual funds as an NRI and how this fits into global allocation.
Our approach
- • Clarified India vs overseas goals – parents’ support in India, future India home, and potential partial retirement in India.
- • Opened NRE/NRO accounts and completed digital KYC via NJ EWealth MF platform.
- • Allocated a part of annual surplus into India-focused SIPs in equity and hybrid funds, keeping documentation and tracking fully online.
- • Coordinated with a CA on NRI taxation and DTAA implications; kept portfolio simple and diversified.
Outcome (illustrative)
A rupee-denominated portfolio in India that complements overseas assets, with regular WhatsApp reviews despite time-zone differences.
Figures used above are for illustration and are not promises or guarantees. Actual results depend on market returns, investor behaviour and many other factors.
Near-retiree in Ahmedabad planning SWP-based retirement income
Profile
Bank retiree, age 58, with PF, gratuity and mutual fund investments
Situation
Multiple FDs and mutual funds accumulated over time. Unsure how much can be safely withdrawn monthly without exhausting the corpus too early.
Our approach
- • Mapped all assets and estimated retirement expenses using the Retirement Calculator.
- • Segmented money into near-term income, medium-term stability and long-term growth buckets.
- • Designed SWP from appropriate hybrid and debt funds to provide monthly income while keeping part of the corpus invested for growth.
- • Ran multiple SWP scenarios to stress test different withdrawal amounts and adjusted to a sustainable level.
Outcome (illustrative)
A documented retirement income plan with SWP, FDs and pensions working together, reviewed annually to account for inflation and lifestyle changes.
Figures used above are for illustration and are not promises or guarantees. Actual results depend on market returns, investor behaviour and many other factors.
