You spent 30 years
saving for retirement.
Let's not spend it wrong.
A structured income strategy for retirees who want predictable monthly income, inflation protection, and a corpus that lasts 25-30 years.
₹1.5 Cr corpus · ₹62,500/mo · ~9-10% blended return
Illustrative only. Actual results vary. Mutual fund investments are subject to market risks.
Saving for retirement and funding it are completely different skills.
Every withdrawal matters. Sequence-of-returns risk can make or break the same corpus.
₹1.5 Cr corpus · ₹75,000/mo · 10% avg return. Retired into a bull market - money lasts 28 years.
Same corpus. Same withdrawal. Same avg return. Retired into a bear market - money runs out at 16 years.
"Same corpus. Same returns. Same withdrawal. Completely different outcomes."
This is sequence-of-returns risk - the silent killer of retirement portfolios. You need a strategy that manages the order returns arrive, not just the average.
Your FD isn't protecting your money. It's quietly shrinking it.
Fixed Deposits
- -~7% pre-tax → <5% post-tax (30% slab)
- -Inflation 6-7%: real return turns negative
- -Buys 40% less in 10 years
- -Interest taxed at full slab, always
Annuities
- -Money locked permanently
- -6-7% payout, no inflation adjustment
- -No liquidity for emergencies
- -No inheritance in most plans
Goal-den Years
- ✓Monthly income, automated
- ✓Income grows with inflation
- ✓Full liquidity anytime
- ✓Corpus passed to your family
The 3-Bucket approach to retirement income
Your corpus divided by time horizon. Money always working, never at risk when you need it most.
2-3 years of living expenses in liquid & ultra-short-term debt funds. Your SWP draws from here. Market can crash - you won't feel it.
Low Risk · LiquidBalanced Advantage, hybrid, multi-asset funds. Grows steadily and refills Bucket 1 periodically. Participates in equity upside, cushions downside.
Moderate RiskPure equity - flexi-cap, multi-cap, index. Untouched for 7+ years. Generates 10-14% CAGR. This makes your retirement last 30 years, not 15.
Growth Engine · 10-14% CAGRYour monthly paycheque in retirement
A SWP automatically redeems just enough units each month to deliver your income. The rest stays invested and keeps compounding.
₹1.5 Cr · ₹62,500/mo · ~9-10% blended return
| Year | Withdrawn | Corpus |
|---|---|---|
| Year 1 | ₹7.5 L | ₹1.55-1.57 Cr |
| Year 5 | ₹37.5 L | ₹1.55-1.65 Cr |
| Year 10 | ₹75 L | ₹1.6-1.8 Cr |
| Year 20 | ₹1.5 Cr | ₹1.2-1.8 Cr |
Illustrative only. Actual results depend on market conditions. Mutual fund investments are subject to market risks.
How much monthly income can your corpus generate?
The answer depends on corpus size, withdrawal rate, and how your portfolio is structured. Don't guess - model it.
- →Monthly income your corpus can generate
- →How long money lasts at different rates
- →Inflation-adjusted scenarios
- →Impact of different portfolio allocations
Built for every stage of retirement
You have a corpus from EPF, PPF, mutual funds. You need a plan to convert it into 25-30 years of reliable income. Decisions made now echo for decades.
Gratuity and PF proceeds received. Sitting in savings earning 3%. Want to invest but afraid of making the wrong move. We deploy systematically, not all at once.
Everything in FDs and watching purchasing power erode? Recent correction wiped out gains? It's not too late to restructure.
You understand investing but don't have time to manage their portfolio. We set up a structure that runs on autopilot.