A structured approach to help you plan income, expenses, and investments – so retirement feels secure, flexible, and stress-free.
Retirement & goal planning is about preparing your finances for a life of independence after active income slows or stops. It goes beyond saving – it involves estimating future expenses, planning for inflation, managing longevity risk, and structuring investments to generate sustainable income. A well-designed plan helps you retire with confidence, flexibility, and peace of mind, without depending on guesswork or last-minute decisions.
A structured retirement plan helps you build independent income streams so you can maintain your lifestyle, pursue personal interests, and avoid financial dependence on family or external support during retirement.
Increasing life expectancy means retirement may last 20–30 years or more. Early and structured planning ensures your savings last throughout retirement without compromising comfort, healthcare, or dignity in later years.
Rising healthcare costs and medical emergencies can disrupt retirement plans. Preparing for healthcare expenses, insurance gaps, and contingencies helps protect your retirement income and avoid unplanned financial stress.
Tax-efficient retirement planning helps you optimise contributions, withdrawals, and income streams so that taxes do not erode long-term retirement wealth. Focus is on sustainability, not just deductions.
Knowing that your retirement is planned, reviewed, and adaptable provides confidence through market cycles and life changes – allowing you to focus on living well, not worrying about money.
Retirement planning helps you prepare for rising healthcare costs, longer life expectancy, and unexpected medical expenses – ensuring financial stability without compromising dignity or independence in later years.
A structured retirement plan ensures you can meet daily expenses and lifestyle needs independently – without depending on family members or being forced to make reactive financial decisions.
Retirement planning considers your family’s future – education needs, dependents, and succession. It ensures your responsibilities are met without becoming a financial burden on loved ones.
By aligning investments with inflation, income needs, and timelines, retirement planning helps preserve purchasing power and supports long-term goals with clarity and confidence.
The 4% rule is a retirement guideline suggesting that retirees can withdraw around 4% of their retirement corpus annually to sustain income over the long term. However, this rule was developed for Western markets and may not be fully suitable for Indian investors due to inflation, healthcare costs, and longer life expectancy.
In India, retirement age varies by profession and employer, typically ranging between 58 and 60 years. For financial planning purposes, retirement age should be based on when you expect regular income to stop and when retirement expenses begin, rather than a fixed legal number.
The ideal retirement income depends on your lifestyle, current expenses, healthcare needs, liabilities, and inflation. A structured retirement plan helps estimate future income requirements realistically instead of relying on generic percentages or assumptions.
Retirement planning involves setting clear life goals, estimating future expenses, assessing current savings, choosing suitable investments, planning for inflation and healthcare, and reviewing the plan periodically as life circumstances change.
Deferment refers to postponing withdrawals or retirement benefits to a later age, allowing investments to grow longer. In retirement planning, deferment can help improve long-term sustainability and income adequacy when aligned with overall financial goals.
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ULIP enables the best of both worlds by offering the twin benefits of life insurance and market-linked returns. Hence, you have the opportunity to invest your money to earn higher returns, while taking care of your protection needs.
National Pension System (NPS) is a defined contribution based pension scheme wherein the subscriber contributes to his/her account regularly. Any Citizen of India with age between 18 to 65 years can join NPS. Under NPS, individual savings are pooled in to a pension fund which are invested by PFRDA regulated professional fund managers as per the approved investment guidelines in to the diversified portfolios comprising of Government Bonds, Bills, Corporate Debentures and Shares.
FeaturesChoice of fund option |
Tax Benefits & Pension PlanningVarious Tax Benefits available u/s 80 CCD 2 upto 1,50,000/- + upto Rs 50,000/- u/s 80 CCD 1 (B) as well as plan for retirement income. |
Ease of accessThe NPS account can be managed online. Once NPS account is opened, online access credentials is provided by CRA (KARVY). Subscriber can login and view/manage his NPS account online. |
