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Retirement Planning

Second Innings

Building an income that continues after the salary stops, and keeps pace with what things will cost then. Two separate problems — accumulating the corpus, then drawing from it.

Why it helps

What this actually does for you

The concrete benefits, without the sales language.

01

Nobody else funds this

There are loans for a house, a car and education. There is no loan for retirement, which makes it the one goal that cannot be borrowed for.

02

Retirement now lasts decades

Longer life expectancy means a corpus may need to last twenty-five years or more, which changes how it should be invested.

03

Inflation continues after you stop working

A fixed income that felt adequate at sixty buys considerably less at seventy-five. The plan has to account for that.

04

The drawdown phase needs its own plan

Building the corpus and spending it are different problems. Most people plan only the first.

Who it suits

Honestly, who should and shouldn’t

Most sites only show you the left column. The right one matters just as much.

This is for you if

  • You are earning now and retirement is more than ten years away
  • You are within a few years of retiring and need the drawdown planned
  • You are self-employed with no EPF or pension
  • You want to understand what monthly income your corpus can actually support
  • You want the plan to account for medical costs, not just living costs

This isn’t for you if

  • You have no health cover — an uninsured medical event can consume a retirement corpus entirely
  • You are carrying high-interest debt, which should be cleared first
  • You want a guaranteed income figure decades out; annuity rates at that future date are unknown today
  • You are unwilling to hold any equity at all and also expect the corpus to beat inflation
When in life

When this matters most

The same band appears on every product page, so you can compare three products at a glance.

22 – 30

Starting Out

The cheapest stage to plan for, and the one almost everybody skips.

30 – 45

Building

Contributions here do the heavy lifting. NPS, EPF and equity SIPs together.

45 – 58

Consolidating

The critical decade. Corpus shifts from growth toward certainty, and the drawdown gets designed.

58 +

Second Innings

The drawdown itself — SWP, bonds, deposits, and a health cover review.

Highlighted stages are where this service matters most
How to start

5 steps

What actually happens, in order.

STEP 01

Estimate the monthly income needed

In today's money, then grown forward to your retirement year.

STEP 02

Work out the corpus that supports it

Accounting for how long it must last and what it can reasonably earn.

STEP 03

Map what you already have

EPF, NPS, existing investments, property, expected inheritance.

STEP 04

Close the gap

The monthly contribution required, and where it should go.

STEP 05

Design the drawdown

Several years before retirement, not on the day. Which pot is drawn first matters.

What to watch

Read this before you commit

The things a sales conversation tends to skip.

Medical costs are the biggest single risk

Health cover bought before conditions appear is far cheaper and far easier to obtain. Without it, one illness can undo the whole plan.

Do not move entirely out of equity at sixty

A corpus that must last twenty-five years still needs some growth. Full safety often means running out early.

Annuity rates are unknown today

Any calculation of the pension your NPS corpus will buy is an estimate based on today's rates, not a commitment.

Withdrawal rate matters more than return

Drawing too much in the early years is the most common way a corpus fails, regardless of how it is invested.

Supporting adult children can derail this

It is a common and understandable choice, and it needs to be planned for rather than absorbed silently.

Questions

Common questions

How much do I need to retire?

It depends on the monthly income you want, how long it must last, and what it earns while being drawn down. We calculate your figure rather than quoting a generic multiple.

Is EPF enough?

For most people, no. EPF is a foundation rather than a complete answer, particularly if you want to maintain your current standard of living.

When should I start planning?

The contribution required rises sharply with every year of delay. Starting at thirty rather than forty can more than halve the monthly amount needed.

Should I hold equity after retiring?

Usually some. A corpus that must last twenty-five years needs to outpace inflation, and pure fixed income often struggles to do that after tax.

What is SWP and how does it fit?

A systematic withdrawal plan draws a fixed amount from a fund each month, which is a common way to convert a corpus into an income.

Get started

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