Retirement is the one goal that almost everyone has and very few fully calculate. It may last 25 years or more, with inflation steadily raising costs and no salary coming in. Starting early turns a large, intimidating number into a manageable monthly habit.
Why it matters
- Time is the biggest contributor to a retirement corpus; starting later costs more every year.
- Medical costs and inflation tend to rise faster in later years.
- A plan for withdrawals is as important as a plan for savings.
What we look at together
- 01Expected lifestyle and monthly expenses
- 02Inflation and life expectancy assumptions
- 03Existing EPF, NPS, PPF and investments
- 04Corpus required at retirement
- 05Monthly investment needed now
- 06Withdrawal strategy after retirement