Retirement is not a single event it is a 25-to-35-year financial journey that requires as much (if not more) planning as your entire working career. A Personalised Retirement Plan is the most comprehensive service we offer in this space: a fully customised, holistic blueprint that addresses every dimension of your financial life in retirement income, healthcare, inflation, taxation, legacy, and lifestyle designed uniquely for you.

We begin every retirement planning engagement with a thorough discovery process. We want to understand: At what age do you wish to retire? What does your ideal retirement look like where will you live, how will you spend your time, what experiences do you wish to have? What are your monthly living expenses today, and how do you expect them to change in retirement? Do you have dependents who will continue to rely on you financially? What is your current health status and family history, which helps us estimate your longevity and healthcare costs? What existing retirement savings do you have EPF, PPF, NPS, insurance policies, rental income, ancestral property?

From this discovery, we build a comprehensive retirement model. We calculate your Target Retirement Corpus the total amount of savings you need at the day of retirement to sustain your desired lifestyle for the rest of your life. This calculation incorporates your estimated monthly expenses in retirement (adjusted for inflation), your expected retirement duration, your anticipated non-investment income sources (rental income, part-time work, pension), and a withdrawal rate strategy that balances income generation with corpus preservation.

We then design a dual-phase strategy: the Accumulation Phase (your working years) and the Distribution Phase (your retirement years). During accumulation, we focus on maximising the growth of your portfolio through a combination of equity mutual funds, NPS, EPF/PPF, and other growth instruments, while systematically reducing risk as you approach retirement. During distribution, we design a sustainable withdrawal strategy that generates the income you need without depleting your corpus prematurely typically using a Bucket Strategy where short-term needs are met from liquid instruments, medium-term from balanced funds, and long-term reserves remain invested in equity for growth.

Healthcare planning is an often-neglected but critical component of retirement planning in India. Medical costs in retirement can easily account for 20–30% of total retirement expenses, and they rise sharply with age. We incorporate comprehensive health insurance planning, critical illness cover, and a dedicated healthcare reserve into every retirement plan. We also address estate and legacy planning ensuring that whatever wealth you accumulate is transferred to your heirs in the most tax-efficient and emotionally sensitive manner, through appropriate nominations, will writing, and trust structures where warranted.