Retirement Planning
What is retirement planning?
Retirement planning means working out how much money you will need to live on after you stop working, and building a plan to get there: how much to save, where to invest it, and how to turn it into a regular income when you retire.
It also covers the protection you will need along the way, such as health cover and life insurance.
Mutual fund investments are subject to market risks, read all scheme related documents carefully. Past performance is not indicative of future returns.
The risk retirement planning addresses
Most people in India do not have a pension. With longer lives and rising prices, your savings may need to last 25 years or more. Starting late, or without a plan, can mean running short just when you can no longer earn.
Without it, you could face
- Savings running out in later years
- Inflation steadily reducing what your money can buy
- Medical costs rising as you get older
- Depending on children for day-to-day expenses
What retirement planning gives you
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Know your number
An estimate of the corpus you need, allowing for inflation and how long you may live.
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Save steadily
SIPs and pension plans that grow your savings month by month.
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Regular income
Annuities and systematic withdrawal plans that pay you every month after retirement.
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Health cover for later years
A health policy that continues after your employer's cover ends.
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Protect the plan
Life cover so your spouse is looked after if something happens to you.
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Nominations in order
Up-to-date nominations on every policy and investment.
Is this right for you?
If any of these sound like you, a short conversation with us is a good place to start.
Ask us a question- People in their 20s and 30s who want to start early
- People in their 40s and 50s who need to catch up
- Those retiring in the next few years
- Self-employed people without a pension
- Couples planning together
Consultation, comparison, planning and ongoing support
Planning for retirement is about more than just saving: it's about creating lasting peace of mind and financial independence for the years ahead. Our Retirement Solutions are designed to help you build a strong foundation for a comfortable and fulfilling future.
Through disciplined planning and strategic wealth management, we help make sure your resources keep supporting your lifestyle and aspirations long after your working years. With the right approach, you can look forward to retirement as a new beginning: secure, confident and full of possibilities.
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Consultation
Your expected expenses, inflation, retirement age and life expectancy.
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Comparison
How much to invest each month, and where.
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Plan & set-up
A mix of mutual funds, pension plans and insurance suited to you.
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Ongoing support
Yearly reviews, and a plan for a regular income once you retire.
Retirement Planning: common questions
It depends on your expenses, inflation and how long your retirement lasts. Our retirement calculator gives a quick estimate, and we can refine it with you.
As early as you can. Money invested in your 20s and 30s has far longer to grow, so the monthly amount you need is much smaller.
An annuity pays a fixed income for life but is less flexible. A systematic withdrawal plan from mutual funds keeps your money invested and accessible, but the income isn't guaranteed. Many retirees use a mix.
Inflation reduces what your money can buy every year. Your plan should include some growth investments, even after you retire, so your income keeps pace.