For Retirees & Near-Retirees

Turn your life's savings into a reliable income stream

As you approach or enter retirement, the question shifts from "How much can I grow?" to "How much can I safely withdraw every month?" We help you design SWP-based income, protect capital and still keep a portion growing to fight inflation.

SWP & STP StrategiesCapital ProtectionInflation-aware Planning

Concerns we commonly hear

• "Will my retirement corpus last if I live to 85–90?"
• "How do I generate monthly income without paying too much tax?"
• "What if markets correct just when I start withdrawals?"
• "How should I divide money between fixed income, mutual funds and bank deposits?"
• "How do I plan for increasing medical expenses?"

How we think about retirement income

• Segment your corpus into near-term income, medium-term stability and long-term growth buckets.
• Use SWP from appropriate mutual funds to create a predictable income stream, while keeping part of the money invested for growth.
• Balance mutual funds with FDs, pensions and other guaranteed sources for overall comfort.
• Review annually to adjust withdrawals for inflation and any big life changes.

A retirement journey for the next 20–30 years of your life

Use the Retirement Calculator to estimate the corpus required and check where you currently stand.
Run the SWP Calculator to see how different withdrawal amounts and expected returns might impact the longevity of your corpus.
Schedule a Retirement Assessment so we can align mutual funds, FDs, pensions and insurance into a single retirement map.
Review annually with our team to rebalance between growth and safety as markets and your life evolve.

Retirement planning is highly personal. Calculator outputs are starting points—your final plan is built only after a detailed conversation about lifestyle, health, family support and legacy wishes.

Discuss your retirement plan Run a risk assessment

Important Disclosures & Risk Information

• HRP Wealth currently acts as an AMFI registered mutual fund distributor (ARN-342284) and IRDA authorized insurance consultant. We do not act as a SEBI registered investment adviser (RIA) as of now.
• We may receive commissions and incentives from AMCs / insurers for the products you choose. We do not charge any additional planning fee unless explicitly agreed in writing.
• All information, illustrations, and calculator outputs on this website are for education and awareness only. They are not a recommendation to buy, sell, or switch any specific scheme.
• We do not provide intraday trading tips, guaranteed returns, or unofficial shortcuts. We never ask for your internet banking / OTP / login credentials.