Pillar III · Protect

Retirement Planning, Designed Backwards

We start with the lifestyle you want at 60, 70, and 80 — and work back to the SIP, allocation, and protection you need today.

The Real Question

It’s Not “How Much” — It’s “How Long”

Most retirement plans focus on the corpus number — “you need ₹5 crore.” The real question is whether your money outlives you. With Indians now living into their late 80s, your retirement income may need to last 25–30 years.

That changes everything. The withdrawal strategy matters as much as the accumulation. Inflation, sequence-of-returns risk, and healthcare costs all need to be modelled — not assumed.

We build retirement plans that survive bad years, account for inflation, and structure income across debt, equity, and annuity-like instruments.

Our Framework

Three Phases of Retirement

  • Accumulation (now – 60): equity-heavy SIPs, employer EPF/NPS optimisation, tax-efficient growth
  • Transition (5 yrs pre & post retirement): de-risk gradually, build a 5-year cash bucket, reduce equity volatility
  • Distribution (60+): tax-efficient withdrawals, bond ladders, inflation-linked income, longevity insurance

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Building Blocks

Instruments We Use in Retirement Plans

Growth

Equity Mutual Funds

Long-term core for outpacing inflation. Higher allocation when retirement is 15+ years away; tapered as it approaches.

Stability

NPS & EPF

Mandatory and voluntary tax-advantaged retirement accounts. We optimise tier choices and asset allocation within NPS.

Income

Bond Ladders & SCSS

Senior Citizen Savings Scheme, RBI Floating Rate Bonds, and tax-free PSU bonds — predictable post-tax income.

Longevity

Annuities & Pension Plans

Used selectively. They hedge longevity risk but lock in low rates — we run the math vs self-managed alternatives.

Protection

Health & Critical Illness

Adequate health cover is the single biggest retirement-protector. We size it for ₹50L–1cr equivalent through floaters + super top-ups.

Tax

Tax-Efficient Withdrawals

Sequencing redemptions across equity LTCG, debt LTCG, and tax-free instruments to minimise lifetime tax drag.

FAQ

Retirement Planning Questions

Rough rule: 25–30× your annual retirement expenses, in today’s rupees. For a ₹6 lakh/year lifestyle, that’s ₹1.5–1.8 cr in today’s value, growing with inflation. Specifics depend on healthcare assumptions, longevity, and post-retirement asset allocation.
All three, in the right proportions. EPF for stable debt, NPS for additional tax-advantaged equity exposure (esp. employer contribution), and mutual funds for flexibility and growth. The mix depends on age, tax bracket, and retirement timing.
A bear market in the first 3 years of retirement, while you’re also withdrawing, can permanently shrink your corpus — even if average returns recover. We mitigate this with a 3–5 year cash & debt bucket that lets equity allocations ride out drawdowns.
Often a hybrid wins. Try our EMI vs SIP calculator for a side-by-side view. After-tax loan rate vs expected post-tax SIP return is the key trade-off.
Plan Forward

Build a Retirement You Can Look Forward To

Whether you’re 35 or 55, today is the right day to make the plan honest and the math work.

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