Retirement Is Not the End of Income Planning
Inflation can reduce future purchasing power significantly over a 20–30 year retirement.
Retirement may last 20–30 years or more — your corpus must sustain a long horizon.
Healthcare costs often rise faster than general expenses and must be planned separately.
Regular salary stops at retirement, but lifestyle expenses continue and may increase.
Poor withdrawal planning can exhaust retirement savings too early, leaving you exposed.
A structured plan helps balance growth, capital safety and regular income at every stage.
Who This Service Is For
Salaried professionals starting early and building long-term retirement security
Business owners with irregular retirement savings and no employer provident fund
Individuals aged 40 and above who want to accelerate retirement readiness
People approaching retirement and transitioning to income-focused planning
Retirees seeking sustainable, inflation-adjusted income from existing savings
Families reviewing parents' retirement needs and planning ongoing support
What PlanUrDream Helps With
Retirement Corpus Planning
Calculate the corpus required to sustain your lifestyle from retirement to end of life, accounting for inflation and life expectancy.
Existing Portfolio Review
Evaluate your current investments — EPF, PPF, NPS, mutual funds, FDs — for retirement readiness and alignment.
Inflation and Longevity Planning
Build strategies that keep purchasing power intact over a 20–30 year retirement, accounting for rising costs over time.
Retirement Income Strategy
Design a dependable monthly income plan using SWP, dividends, annuities and other income instruments post-retirement.
Asset Allocation
Structure your portfolio across equity, debt, gold and liquid assets based on your proximity to retirement and risk profile.
SWP and Withdrawal Planning
Plan systematic withdrawals that sustain income needs while preserving the corpus for as long as required.
Healthcare and Insurance Review
Assess health insurance coverage, critical illness provisions and a dedicated healthcare fund for post-retirement medical needs.
Tax-Efficient Retirement Planning
Minimise tax on retirement withdrawals, pension income and capital gains through structured investment and withdrawal planning.
Estate, Nomination and Legacy Alignment
Ensure nominations, wills and beneficiary details are current so your assets reach the right people without delay or dispute.
Our Process
Understand Your Current Position
Review income, savings, existing retirement assets and lifestyle expenses.
Estimate Retirement Needs
Calculate expected monthly expenses and income needs at retirement, adjusted for inflation.
Calculate the Required Corpus
Determine the total corpus needed to sustain withdrawals across the full retirement horizon.
Build and Implement the Strategy
Design the accumulation plan with appropriate asset allocation and investment vehicles.
Review and Rebalance Regularly
Annual reviews keep the plan aligned with life changes, market movements and updated goals.
Your Retirement Toolkit
Use these calculators to estimate your retirement corpus, plan post-retirement income and model different scenarios — before speaking with an advisor.
Retirement Corpus Calculator
Estimate the total corpus you need to retire comfortably based on your expenses, inflation rate and retirement age.
SWP Calculator
Plan systematic monthly withdrawals from your mutual fund corpus after retirement and see how long it lasts.
Bucket Analysis Calculator
Divide your retirement corpus into short, medium and long-term buckets for a structured, sustainable income plan.
Human Life Value (HLV) Calculator
Understand the economic value of your earning years to ensure adequate life and income protection before retirement.
Illustrative Planning Scenario
Illustrative only. This is not a guarantee of returns or outcomes. Actual results will vary based on individual circumstances, market performance and other factors.
A 45-year-old salaried professional
Planning to retire at 60 · Household expenses rising with inflation · Existing EPF and NPS savings
Estimate Future Expenses
Current monthly household expenses are projected forward to retirement age at an assumed inflation rate, giving an estimated monthly expense figure at age 60.
Calculate the Gap
Existing EPF and NPS projections are assessed. The difference between the projected corpus and the required corpus reveals the savings gap to be bridged.
Review Existing Assets
Current investments — EPF, NPS, mutual funds, FDs — are reviewed for retirement readiness, liquidity, and whether they are aligned with the retirement timeline.
Design an Accumulation Strategy
A 15-year SIP-based accumulation strategy is designed using equity and hybrid mutual funds, with a gradual shift toward debt funds as retirement approaches.
Create Post-Retirement Withdrawal Buckets
The corpus is divided into three buckets: a liquid bucket for the first 3 years, a stable income bucket for years 4–10, and a growth bucket for the long term.
Frequently Asked Questions
When should I start retirement planning?
The earlier you start, the more time your investments have to compound. Starting in your 20s or 30s gives you a significant advantage, but meaningful planning is valuable at any age. The key is to begin with a clear goal and a structured strategy.
How much retirement corpus do I need?
The required corpus depends on your expected retirement age, post-retirement lifestyle expenses, inflation rate, life expectancy and existing assets. A common approach is to estimate monthly expenses at retirement, adjust for inflation, and calculate the corpus needed to sustain withdrawals for 25–30 years. Use our Retirement Calculator for a personalised estimate.
Is NPS enough for retirement?
NPS is a useful retirement savings vehicle but may not be sufficient on its own. It has lock-in restrictions, a mandatory annuity component, and tax implications on withdrawal. Most individuals benefit from complementing NPS with mutual funds, EPF and other investments to build a diversified retirement corpus.
Can mutual funds be used for retirement planning?
Yes. Mutual funds — particularly equity funds through SIPs — are one of the most effective long-term wealth-building tools for retirement. As retirement approaches, a gradual shift towards debt and hybrid funds helps protect the accumulated corpus from market volatility.
How does SWP work after retirement?
A Systematic Withdrawal Plan (SWP) allows you to withdraw a fixed amount regularly from your mutual fund investments. It provides a regular income stream post-retirement while the remaining corpus continues to earn returns. SWP withdrawals are tax-efficient compared to fixed deposits and can be structured to last the required number of years.
How should retirement money be divided between equity and debt?
Asset allocation depends on your age, risk tolerance, and retirement timeline. During the accumulation phase, a higher equity allocation is suitable. As retirement nears, gradually shifting towards debt and balanced funds reduces volatility risk. Post-retirement, a bucket strategy — separating short-term income needs from long-term growth money — is an effective approach.
What healthcare planning is needed after retirement?
Healthcare costs tend to rise with age. A comprehensive health insurance policy with adequate sum insured, a critical illness rider, and a dedicated healthcare corpus are essential components of retirement planning. Medical inflation in India has historically run higher than general inflation, making early healthcare planning critical.
How often should a retirement plan be reviewed?
A retirement plan should be reviewed at least once a year, and additionally after any significant life change — such as a salary revision, major expense, change in family situation, or market movement. Regular reviews ensure the plan stays aligned with your goals and allows timely adjustments.
Related Services and Resources
Your Retirement Deserves a Clear Plan
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