What this actually involves
Retirement is the only major goal with no loan available for it. A house has a home loan, education has an education loan; retirement has whatever you managed to set aside. And it now has to last twenty-five years or more.
Our core purpose has always been to help people reach a secure retired life. In practice that means two distinct phases with very different needs: accumulation, where growth matters and volatility is tolerable; and distribution, where a predictable monthly withdrawal matters far more than the last percentage point of return.
We help you estimate what a comfortable month will cost twenty years from now at reasonable inflation, work backwards to a monthly investment figure, and then structure the withdrawal when the time comes.
What this includes
- An estimate of the corpus needed, adjusted for inflation
- Monthly investment required, worked backwards from that figure
- Suitable scheme categories for the accumulation years
- A shift towards lower-volatility categories as retirement approaches
- Systematic Withdrawal Plan setup for a monthly income after retirement
- Review of EPF, PPF, NPS and existing pension policies alongside
Who it suits
- People aged 30 to 50 who have not yet set anything aside specifically for retirement
- Business owners with no EPF and therefore no default retirement saving
- Those approaching retirement who need to convert a lump sum into monthly income
- Anyone relying on a single rental or fixed deposit for their retired years
The four steps
Estimate
Current monthly expenses, adjusted for inflation to your retirement year.
Accumulate
A monthly contribution through growth-oriented categories over the working years.
De-risk
Gradual movement towards lower-volatility categories in the last five years.
Withdraw
A systematic monthly withdrawal that leaves the remaining corpus invested.
Frequently asked
You may also need
Ready to take the next step?
Talk to us about your goals and we will walk you through the options in plain language — no pressure, no jargon.