Retirement & Pension Planning

The three concerns of retirement

Most people face the same three questions when they begin thinking about retirement. When can I retire? How much money do I need in order to retire? And how do I create a regular retirement income once I have stopped earning?

Retirement planning means accumulating sufficient funds to provide for a comfortable lifestyle after you stop working — and then structuring the drawdown so that the money lasts as long as you do.

Inflation — the silent tax

Inflation is the aspect most often left out of a retirement calculation, and it is the one that does the most damage. It has to be considered both when sizing the corpus and when planning post-retirement expenses. Many retirees find it very difficult to keep pace with inflation: the real worth of their pension money reduces every year.

At an individual level you cannot control inflation. What you can control is asset allocation — both before and during retirement — and that is what reduces its impact.

Planning takes you further

We can help you build retirement savings systematically from where you are today, using simple techniques such as SIPs and other regular savings routes, with an asset mix aimed at inflation-adjusted returns rather than headline ones. We then track and rebalance those assets to reduce the effect of market volatility as the date approaches.

Turning a corpus into an income

Once you retire the question changes from growth to sustainable withdrawal. We help structure Systematic Withdrawal Plans that pay a monthly amount while keeping the balance invested, coordinate what you already hold in EPF, NPS, gratuity or a pension, and set a glide path that reduces equity exposure as the need for certainty rises. The plan is reviewed annually, because both markets and expenses move.