What is Retirement Planning?
A structured plan to build a retirement corpus that funds your post-retirement lifestyle, accounting for inflation, life expectancy and post-retirement returns.
Who needs it?
- Salaried professionals aged 28-55
- Self-employed without EPF/NPS
- Couples planning early retirement (FIRE)
- Anyone within 10 years of retirement
Why it matters
Inflation-adjusted target corpus
Tax-efficient withdrawal strategy
Annual rebalancing of equity:debt mix
80CCD(1B) extra ₹50K deduction via NPS
Common myths, busted
Myth: EPF is enough.
Truth: EPF alone rarely sustains lifestyle inflation. A blend works far better.
Myth: It's too early at 28.
Truth: Time is your single biggest free advantage — starting at 28 vs 38 doubles your retirement corpus.
Real claim examples
- Client retired at 58 with ₹3.7 Cr corpus, drawing 4% safely; reviewed annually with us.