Professional Retirement Planning
Retire Rich, Retire Worry-Free with a Solid Retirement Plan
We help you build a retirement corpus that lets you enjoy the lifestyle you deserve – without depending on children or pension alone.
Common Mistakes
Why Most People Fail at Retirement Planning
Understanding these common mistakes helps you avoid them and build a secure retirement
Underestimating Inflation Impact
Many people plan retirement based on today's expenses, ignoring that ₹50,000 today will become ₹2.8 lakhs in 30 years at 7% inflation. This leads to severe shortfall in retirement corpus.
Over-Reliance on Fixed Deposits & PPF
While safe, FDs and PPF typically yield 6-8% returns, barely beating inflation. This conservative approach often results in insufficient corpus growth, especially for long retirement periods.
Lack of Proper Asset Allocation
Many investors either avoid equity completely or invest without a strategy. Without proper asset allocation between equity and debt, you miss growth opportunities or take excessive risks.
Starting Too Late
Delaying retirement planning until your 50s means you need to invest much larger amounts monthly. Starting in your 30s or 40s allows compounding to work in your favor with smaller SIPs.
Our Process
How We Build Your Retirement Corpus – Step by Step
A systematic approach to secure your golden years
Free Retirement Assessment
Understand your current savings, monthly expenses, life expectancy, and retirement goals. We analyze your financial situation to create a personalized retirement roadmap.
Goal-Based Investing
Create a dedicated retirement bucket using a strategic mix of Equity and Debt Mutual Funds. This balanced approach ensures growth while managing risk as you approach retirement.
Start SIP Today
Even ₹5,000/month can grow dramatically with compounding over 20-30 years. We help you start with an amount you're comfortable with and increase it as your income grows.
Switch to SWP in Retirement
Generate regular monthly pension-like income through Systematic Withdrawal Plans (SWP). This tax-efficient strategy ensures your corpus lasts throughout retirement while providing steady cash flow.
Interactive Tool
Calculate Your Retirement Needs
Use our comprehensive retirement calculator to understand your corpus requirements
Retirement Calculator
Enter your current age, retirement age, expenses, and savings to calculate your retirement corpus needs and monthly SIP requirements.
Use Retirement CalculatorInvestment Products
Products We Recommend for Retirement
Strategic product selection based on your retirement timeline
Equity Mutual Funds
Ideal for long-term growth (10-15+ years before retirement). Equity funds have historically delivered 10-12% annual returns, helping your retirement corpus beat inflation and grow substantially.
Hybrid/Balanced Advantage Funds
Moderate risk option that automatically adjusts equity-debt allocation based on market conditions. Suitable for investors 5-10 years away from retirement who want growth with some stability.
Debt & Liquid Funds
Essential for the SWP phase during retirement. These funds provide stability and regular income while preserving capital. Ideal for generating monthly pension-like withdrawals.
National Pension System (NPS)
Additional tax benefits under Section 80CCD(1B) up to ₹50,000. NPS provides a disciplined retirement savings option with automatic asset allocation that becomes more conservative as you age.
Client Results
Success Stories
Real results from clients who started their retirement planning journey
Mr. Shah
Age 38, Ahmedabad
Started ₹15,000 monthly SIP in 2015. Corpus today ₹1.1 Cr. On track for ₹2.5 Cr by age 60.
Mrs. Patel
Age 42, Surat
Began retirement planning in 2018 with ₹20,000/month SIP. Current corpus ₹85 lakhs. Projected to reach ₹3.2 Cr by retirement at 60.
Mr. Desai
Age 35, Vadodara
Started early with ₹12,000/month in 2020. Already accumulated ₹25 lakhs. Well-positioned to achieve ₹4 Cr+ by age 60 through disciplined investing.
Frequently Asked Questions
Common Questions
Find answers to the most frequently asked questions about retirement planning
The earlier, the better. Ideally, start in your 30s or 40s when you have 20-30 years until retirement. Starting early allows you to invest smaller amounts monthly and benefit from the power of compounding. However, it's never too late - even starting in your 50s can make a significant difference.
A common rule of thumb is 25-30 times your annual expenses at retirement age. However, this varies based on your lifestyle, expected inflation, life expectancy, and other income sources. Our retirement calculator helps you determine the exact corpus needed based on your specific situation.
SIP (Systematic Investment Plan) is for the accumulation phase - you invest a fixed amount monthly to build your retirement corpus. SWP (Systematic Withdrawal Plan) is for the retirement phase - you withdraw a fixed amount monthly from your corpus to meet living expenses, similar to a pension.
No. While equity is essential for long-term growth, a balanced approach is recommended. When you're 10-15 years away from retirement, gradually shift to a more balanced portfolio. During retirement, maintain a mix of debt and equity to ensure stability while preserving some growth potential.
If there's a shortfall, start investing the calculated monthly SIP amount immediately. Consider increasing your SIP annually as your income grows. You might also need to adjust your retirement age or expected lifestyle expenses. Regular reviews and adjustments will help you stay on track.
While EPF and PPF are good savings vehicles, they may not be sufficient alone, especially considering inflation. EPF typically yields 8-9% and PPF around 7-8%, which may barely beat inflation. Supplementing with equity mutual funds through SIP can help you build a more substantial retirement corpus.
Inflation significantly erodes purchasing power. At 7% inflation, ₹1 lakh today will have the purchasing power of only ₹13,000 in 30 years. This is why it's crucial to invest in assets that beat inflation, like equity mutual funds, and plan for inflation-adjusted expenses in retirement.
Several options offer tax benefits: ELSS mutual funds (Section 80C up to ₹1.5 lakh), NPS (Section 80CCD(1B) additional ₹50,000), and PPF (Section 80C). However, don't invest solely for tax benefits - focus on building a sufficient retirement corpus that meets your needs.
Book Your Free Retirement Planning Session Today
Limited slots every week. Start your journey to a worry-free retirement with expert guidance from our certified financial team.
