Long term goal
Retirement planning.
The goal with the longest runway and the least urgency — which is exactly why it gets postponed. Every year of delay costs more than the last.
Who this is for
If you are 30 to 50 and salaried.
You have EPF, possibly a PPF account, and a vague sense that neither will be enough. You are right — EPF alone typically replaces only a fraction of pre-retirement income once inflation is applied across a 25-year retirement.
The fix is not exotic. It is a monthly amount, invested in a growth asset for long enough that compounding rather than contribution does most of the work.
The best time to start was your first salary. The second best time is this month's.
The cost of waiting
What a ₹20,000 monthly SIP becomes.
Same monthly amount, same assumed 12% return, different start ages, all retiring at 60. The gap is not the contributions — it is the years.
What ₹20,000 a month becomes by 60
Start early, retire with more
- Start at 25₹12.94 Cr
- Start at 30₹7.06 Cr
- Start at 35₹3.79 Cr
- Start at 40₹1.99 Cr
- Start at 45₹1.00 Cr
3.4×more at 60 by starting at 25 instead of 35 — for ₹24 lakh more paid in
| Start age | Years invested | You contribute | Projected corpus | Growth's share |
|---|---|---|---|---|
| Age 25 | 35 | ₹84,00,000 | ₹12,94,00,000 | 94% |
| Age 30 | 30 | ₹72,00,000 | ₹7,06,00,000 | 90% |
| Age 35 | 25 | ₹60,00,000 | ₹3,79,00,000 | 84% |
| Age 40 | 20 | ₹48,00,000 | ₹1,99,00,000 | 76% |
| Age 45 | 15 | ₹36,00,000 | ₹1,00,00,000 | 64% |
Illustrative projections at an assumed 12% annualised return, compounded monthly. Actual returns vary and may be negative in any period. Figures rounded. Not a guarantee, and not a recommendation of any specific scheme.
How we work
Four steps, then a review every year.
- 1
Establish the number
The annual income you want at 60, inflated to the year you retire, multiplied by a realistic retirement length. Most people's first guess is roughly half of what is actually needed.
- 2
Count what already exists
EPF, PPF, NPS, existing funds, property you would genuinely sell, and any pension. There is usually more than people think, and it is scattered.
- 3
Fill the gap with a monthly amount
Split across equity funds while the horizon is long, with a written plan for shifting toward debt in the final decade rather than a panic move at 58.
- 4
Review annually, adjust rarely
We increase the SIP as your income rises and rebalance when allocation drifts. We do not change funds because of one bad year.
Questions we get
Before you start.
What if the market crashes right before I retire?
Should I use NPS instead?
Can I pause my SIP if money gets tight?
I am an NRI. Does any of this change?
Other goals
Planning for more than one thing?
Child’s education
A fixed date you cannot move.
Plan this goal Long termChild’s marriage
A long horizon with a flexible date.
Plan this goal Medium termDream home
Usually three to seven years away.
Plan this goal Medium termTax saving
ELSS chosen on merit, not on the March deadline.
Plan this goal Short termEmergency fund
Six months of expenses, ready the same day.
Plan this goal Short termYearly expenses
Fees, premiums and festivals that come every year.
Plan this goal Short termDream vacation
A short horizon, so keep it safe.
Plan this goal Medium termSelf development
Courses or a career change, planned on purpose.
Plan this goalPlan your retirement with us.
A free 30-minute call. We look at what you already have and work out what the goal really needs.
We never hold your money. Payments go straight to the fund house.
Mutual fund investments are subject to market risks. Read all scheme related documents carefully. Projections are illustrations at an assumed rate, not guaranteed returns.