Retirement & Pension
Building the income you'll want at sixty without sacrificing the life you want at forty. A phased plan that grows with you.
How much will you actually need — and how do you get there?
At some age — probably between 55 and 65 — your salary or business income will stop. From that day forward, your accumulated wealth must produce the income you live on. For 30 years, sometimes more.
The retirement & pension question is simple to state and hard to answer: how much do I need to save, in what form, to make this work? Get it right and your sixties and seventies are the most relaxed decades of your life. Get it wrong and they become the most anxious.
We've helped hundreds of clients move through this transition. The framework is consistent. The instruments change. The discipline matters more than the optimisation.
A useful starting estimate for your corpus.
A serviceable rule of thumb: your retirement corpus should be 25 to 30 times your annual post-retirement expenses. The exact multiple depends on inflation, life expectancy, and how aggressively you withdraw.
Want ₹10 L/year? Need ₹2.5–3 Cr at retirement
Want ₹20 L/year? Need ₹5–6 Cr at retirement
Want ₹50 L/year? Need ₹12.5–15 Cr at retirement
These are today’s-money targets. They must be inflated to retirement age, and reduced for any inheritance, business sale, or property income you can reliably count on. We compute the personalised number for every client.
The most important retirement variable isn't your return — it's your savings rate during your working years.— Arvind Dedhia, Founder
How we structure your corpus the day you retire.
Once you've accumulated the corpus, the harder question is how to draw it down. We use a three-bucket framework that separates income, stability, and growth — so equity volatility doesn't disturb your monthly cash flow.
Bucket 1 — Income (Years 1–2) — Liquid funds, SCSS, RBI bonds, annuities. ~10% of corpus.
Bucket 2 — Stability (Years 3–7) — Corporate bond funds, dynamic bond, banking & PSU. ~30%.
Bucket 3 — Growth (Years 8+) — Equity funds, hybrid, possibly PMS. ~60% — the long-duration engine.
Each year we systematically refill Bucket 1 from Bucket 2, and Bucket 2 from Bucket 3 in good equity years. In bad years, Bucket 3 stays untouched and recovers while Bucket 2 keeps cash flowing. The whole structure is reviewed annually.
Curious about your retirement number?
We'll work out the corpus you need and the SIP that gets you there. Free, written, no pressure.
The toolkit, organised by phase.
Different instruments serve different stages of the retirement journey. Accumulation looks different from preservation, which looks different from income generation.
Accumulation
Equity mutual fund SIPs, ELSS, EPF voluntary contributions, PPF.
Preservation
Hybrid funds, dynamic asset allocation, tax-free bonds — 5 years from retirement.
Income generation
SWP from MFs, annuities, SCSS, RBI Floating Rate Bonds, pension plans.
Legacy & estate
Wills, nominations, gift planning, whole-life cover for estate creation.
Five mistakes that derail otherwise sensible retirees.
Across 36 years of helping clients through this transition, we keep seeing the same five errors. None are about market timing or stock-picking — they're structural and behavioural.
- • Too conservative too early — FDs alone don’t beat inflation over 25 years
- • Counting on property — illiquid, low rental yields, can’t pay groceries
- • Ignoring spouse longevity — plan for both lives, not just one
- • Forgetting healthcare — a separate corpus or critical-illness cover is essential
- • Underestimating longevity — plan to 90, not 75
Not sure where to begin?
A 30-minute no-obligation conversation often clarifies more than weeks of online research. We'd be happy to listen.
