The Service
What this actually solves.
Most retirement plans stop at a corpus number. Ours starts there. We model your actual expenses, inflation, and life expectancy, then design the monthly income your corpus must produce for 25–30 years after your last paycheque.
Who this is for
You have earning years left and want to know exactly what to invest each month, starting now.
Your corpus is built. Now it needs to pay you a regular monthly income, planned to last through your retirement years.
No EPF, no gratuity cushion. Your retirement rests entirely on the portfolio you build yourself.
What’s Included
Six things you can hold us to.
Every engagement is documented — you will know what was discussed, why, and what happens next.
Start the Conversation- 01Expense-based corpus model
Your target corpus, built from your real monthly spend inflated to retirement age — not a thumb rule.
- 02Inflation-adjusted income map
Year-by-year cash flow projection from retirement to your planned horizon, typically age 85–90.
- 03SWP design and capital-gains considerations
A withdrawal sequence planned with capital-gains rules in mind, so you can see the likely tax impact of each option.
- 04Bucket strategy
Near-term needs in stable assets, medium-term in hybrid, long-term in growth — designed to reduce the need for forced selling during market declines.
- 05Annuity vs SWP comparison
A side-by-side view of annuity products against market-linked income, with the trade-offs in writing.
- 06Annual glidepath review
Equity exposure steps down on schedule as retirement approaches, then holds a disciplined balance through it.
25–30 years
is how long your money must keep working after your last paycheque. That is the problem we design for.
Our Approach
How the work unfolds.
01
Map
We list your expenses, timelines and existing assets — the honest starting point.
02
Model
We build your corpus target, required SIP and post-retirement income plan in writing.
03
Maintain
We assist with implementation, then review the plan with you every year.
Common Questions
Asked before most first meetings.
The honest answer: the year you start earning. Practically, every year you delay increases the monthly SIP needed for the same corpus. As an illustration at an assumed 12% return, starting at 40 instead of 30 can mean investing about three times more per month.
It depends entirely on your monthly expenses, the age you retire, and inflation. For some households it is comfortable; for others it depletes in 12–15 years. Run your own numbers in our retirement calculator, then let us stress-test them together.
Neither is universally better. SWPs offer flexibility and potentially better tax treatment; annuities offer certainty. Most of our retirement plans blend both, sized to your fixed expenses versus lifestyle expenses.
Disclaimer: JP Financial is an AMFI-registered Mutual Fund Distributor and is not a SEBI-registered Investment Adviser. Information provided on this website is for general educational and informational purposes. Mutual fund investments are subject to market risks. Read all scheme-related documents carefully before investing. Past performance does not indicate future performance. Tax-related information is provided for general educational purposes. Please consult your Chartered Accountant or tax professional for advice specific to your circumstances.
Ready to talk about saving for retirement?
A first conversation is free and obligation-free. We will tell you honestly whether this service is what you need.
Book a Consultation