Retirement Planning
Plan for a comfortable retirement with our comprehensive retirement planning services. We help you determine your retirement corpus and create a roadmap to achieve it.
Overview
Retirement planning is about securing your financial independence so you can live life on your own terms. At SIMFIN, we take a holistic approach — factoring in your current lifestyle, desired retirement age, inflation, healthcare costs, and legacy goals to calculate the corpus you need. We then create a phased investment strategy that evolves as you progress through different life stages. Whether you're in your 30s starting early or in your 50s playing catch-up, we design a realistic and achievable plan to ensure your golden years are truly golden.
What's Included
- Retirement corpus calculation
- NPS advisory
- Annuity planning
- Systematic withdrawal strategies
- Inflation-adjusted planning
- Post-retirement income design
Ideal For
Professionals planning for long-term financial independence.
Minimum Investment
₹10,000/month
Key Benefits
Clarity on Target
Know exactly how much you need to retire comfortably based on your lifestyle expectations and inflation assumptions.
Phased Strategy
An investment plan that adapts as you move from accumulation phase to pre-retirement and finally post-retirement.
Income Certainty
Design reliable post-retirement income streams through a mix of annuities, SWPs, and fixed-income instruments.
Healthcare Planning
Factor in rising healthcare costs and ensure adequate health coverage for your retirement years.
Tax Optimization
Leverage NPS, PPF, and other tax-advantaged instruments to maximize your retirement savings.
Legacy Planning
Ensure your wealth is efficiently transferred to the next generation aligned with your wishes.
Common Questions
When should I start planning for retirement?
The earlier the better. Starting in your late 20s or early 30s allows the power of compounding to work significantly in your favor. However, it's never too late to start — we create plans for every age group.
How do you calculate my retirement corpus?
We factor in your current expenses, desired retirement lifestyle, expected inflation rate, healthcare costs, life expectancy, and any legacy goals to arrive at a comprehensive corpus target.
Should I invest in NPS?
NPS offers excellent tax benefits under Section 80CCD(1B) and provides a disciplined long-term savings vehicle. We evaluate whether NPS fits your overall strategy and recommend the right asset allocation within NPS.
What if I want to retire early?
Early retirement requires a larger corpus and careful planning for the gap years before traditional retirement benefits kick in. We create specialized strategies for early retirement aspirants with aggressive but prudent saving plans.
Ready to Get Started?
Reach out to discuss how our retirement planning services can work for you.