A funded plan for the life you intend to live after work — modelled honestly, stress-tested against long life expectancy and inflation, and revisited every year. Not a product recommendation dressed as a plan.
Fifteen to twenty-five years to go. We set the saving rate and the equity exposure so the corpus can genuinely compound.
Five to ten years to go. We begin the equity glide-down and design the income architecture that turns on at retirement.
Regular income has stopped. We sequence portfolio draw-downs so capital lasts and tax stays light.
Voluntary retirement or a corporate separation has arrived earlier than planned. A lump-sum payout — PF, gratuity, ESOPs — needs to become sustainable income for a retirement that could last 35 years. We deploy it defensively and structure the drawdown from day one.
We model the expense base you need to fund, inflated to retirement year, and discount for pension and EPF inflows.
A monthly savings and asset-allocation prescription that closes the gap — with built-in stress tests.
A written drawdown strategy — what to sell when, from which bucket, and how tax moves through the sequence.
Plain calculators for the questions that come up first — no sign-in required.
For most, no. NPS is a useful tax-efficient building block but is rarely sized to fully fund retirement on its own, especially once the annuity requirement of the corpus is factored in. It complements — rather than replaces — a mutual-fund retirement portfolio.
A common benchmark is 25–30× your expected annual expenses in retirement. But the number that matters is the one that survives your specific scenario: life expectancy, real-return assumptions, and one-off obligations. We compute yours explicitly.
Usually yes, if it can be done without materially denting the corpus — a loan EMI is a fixed liability and retirement income is variable. We model the trade-off so the decision is informed.
Sequence-of-returns risk is real. That is why we build a two-to-three-year cash and short-debt buffer before retirement, so you never have to sell equity at the bottom to cover living expenses.
A thirty-minute discovery call — no obligation, no product pitch.
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