How We Plan Your Retirement
From your first SIP to your last day at work,and beyond.
FIRE Planning
Want to retire at 45? We calculate your FIRE number, the monthly SIP needed, and build a portfolio that gets you there.
Corpus Calculation
How much is 'enough'? We factor in inflation, lifestyle, healthcare costs, and life expectancy to arrive at your real retirement number.
NPS & EPF Optimization
Maximize your NPS tax benefits (Section 80CCD), optimize EPF contributions, and decide between old and new pension schemes.
Post-Retirement Income
SWP from mutual funds, dividend income, annuity planning,we design an income strategy so your money lasts as long as you do.
Common Questions
How much do I need to retire comfortably in India?
A common rule: 25x your annual expenses adjusted for inflation. If you spend ₹50,000/month today and plan to retire in 15 years (at 6% inflation), you'd need approximately ₹3.6 Cr. Our FIRE Calculator can give you a personalized number.
Is it too late to start retirement planning at 40?
Absolutely not. Starting at 40 with a disciplined SIP of ₹25,000/month at 12% returns could build ₹1.5+ Cr by 55. The plan looks different from someone starting at 25, but it's never too late.
Should I invest in NPS?
NPS offers an additional ₹50,000 tax deduction (Section 80CCD(1B)) beyond the ₹1.5L limit. The equity exposure is capped at 75% but it's one of the lowest-cost retirement products. We recommend it as part of a broader strategy, not the only strategy.
What about EPF,should I increase my VPF?
VPF (Voluntary Provident Fund) gives guaranteed 8.1% returns with sovereign guarantee,it's excellent for the debt portion of your retirement portfolio. We help balance VPF with equity investments for optimal growth.