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 must pay you a reliable, tax-aware monthly income without running dry.
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 always know what was recommended, 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 tax-aware withdrawals
A withdrawal sequence structured around capital gains rules, so more of each rupee reaches you.
- 04Bucket strategy
Near-term needs in stable assets, medium-term in hybrid, long-term in growth — so a market fall never forces a bad sale.
- 05Annuity vs SWP comparison
A side-by-side view of guaranteed 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 implement, then review the plan every year against markets and your life.
Common Questions
Asked before most first meetings.
The honest answer: the year you start earning. Practically, every year you delay roughly doubles the monthly SIP needed for the same corpus. Starting at 40 instead of 30 can mean investing 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.
Ready to talk about retirement planning?
A first conversation is free and obligation-free. We will tell you honestly whether this service is what you need.
Book a Consultation