Retirement Planning

Overview

What is Retirement Planning?

Retirement planning is arguably the most critical — and most neglected — aspect of personal finance. With inflation eroding purchasing power and life expectancy rising, the corpus required to sustain 25–30 years of post-retirement income is far larger than most people estimate.

We build your retirement plan around your desired retirement age, expected lifestyle expenses, inflation assumptions, existing savings, and tax efficiency. The result is a specific corpus target and investment roadmap — not a generic 'save more' directive.

Precise retirement corpus calculation based on your lifestyle goals
Tax-efficient accumulation via NPS, EPF, PPF and equity mutual funds
Inflation-adjusted withdrawal strategy for sustainable post-retirement income
Healthcare cost provisioning for rising medical expenses in later years
Estate and legacy planning integration to ensure smooth wealth transfer
Regular tracking and course-correction as income, goals and markets evolve

Who Should Consider This?

Retirement planning is relevant at every age — the earlier you start, the smaller the monthly commitment required. It is especially urgent for professionals in their 40s who have under-saved, those approaching retirement within 10 years, and self-employed individuals without employer EPF contributions.

Key Features

What We Offer

A comprehensive set of features designed to deliver the best outcomes for your financial goals.

Corpus Target Calculation

Computing the exact corpus required based on retirement age, lifestyle expenses, inflation rate (7–8%), and expected longevity.

Accumulation Roadmap

Year-by-year savings and investment plan across NPS, EPF, PPF and equity funds to build the target corpus on schedule.

NPS & Tax Optimisation

Maximising NPS contributions for additional 80CCD(1B) deduction of ₹50,000 and structured tax-efficient corpus withdrawal.

Healthcare Provisioning

Dedicated allocation for post-retirement healthcare — health insurance review, medical corpus and senior citizen health plan.

Withdrawal Strategy Design

Systematic Withdrawal Plan (SWP), annuity allocation and bucket strategy to generate inflation-adjusted monthly income from the corpus.

Legacy Integration

Structuring the retirement corpus to also meet estate planning goals — ensuring wealth passes efficiently to the next generation.

Why Nivesh Kendr

Your Trusted Partner for Retirement Planning

We go beyond product selection — our advisory is built on understanding your complete financial picture and placing your goals at the centre of every decision.

Scientific Corpus Calculation

Precise mathematical modelling of your retirement need — not rule-of-thumb estimates.

Tax-Smart Accumulation

Combining NPS, PPF, EPF and equity funds to minimise tax drag during accumulation and withdrawal.

Inflation-Proofed Income

Withdrawal strategies that maintain purchasing power throughout retirement — not just initial years.

Healthcare-Integrated Plan

Retirement plans that account for the disproportionate healthcare cost increase in later life.

Regular Progress Reviews

Annual check-ins to course-correct for income changes, market performance and goal revisions.

CFP-Qualified Planning

Your retirement plan is built by a Certified Financial Planner with deep expertise in long-term planning.

FAQ

Frequently Asked Questions

A common formula is 25–30x your annual retirement expenses (the 4% rule). However, for India, given higher inflation and longer lives, we model 28–33x expenses. For ₹1 lakh/month expenses, a ₹3.5–4 crore corpus is typically required at a 7% inflation assumption.

A combination works best: NPS for tax efficiency and annuity option, EPF/PPF for guaranteed returns and safety, equity mutual funds for long-term wealth creation, and debt funds for capital preservation near retirement.

National Pension System (NPS) is a PFRDA-regulated retirement savings scheme with an additional tax deduction of ₹50,000 under 80CCD(1B), on top of the regular 80C limit. It forces retirement savings discipline and provides annuity options at retirement.

Ideally in your 20s, when the power of compounding is greatest. Starting at 25 with a monthly SIP of ₹10,000 can build the same corpus as starting at 35 with ₹30,000/month. Every decade of delay roughly triples the required monthly saving.

We design a withdrawal strategy combining: SWP from equity/hybrid funds for growth-linked income, interest from debt instruments for stable income, annuity for guaranteed lifetime income, and NPS for partial annuity at 60. The mix depends on your corpus and risk tolerance.

We conduct a gap analysis and identify the fastest, most tax-efficient catch-up strategy. This may include lumpsum allocations, stepping up SIPs, NPS top-ups and tightening discretionary spending to redirect savings.

Generally, if your loan interest rate is below expected investment returns (adjusted for risk), investing may be preferable. But there are psychological, tax and liquidity factors to weigh. We model both scenarios and help you decide.