Retirement Planning
Plan Today, Relax Tomorrow – Build a Stress-Free Retirement with InvestmentTalky
Retirement is not the end of your journey — it’s the start of a well-deserved break from work. But to enjoy your golden years comfortably, you need more than dreams — you need a smart retirement plan. We specialise in helping individuals build a secure, inflation-proof retirement portfolio that ensures peace of mind and financial independence post-retirement.
Whether you’re in your 30s, 40s, or close to retirement, we guide you on how much you need, where to invest, and how to plan for regular income after you stop working.
💭 Why is Retirement Planning Important?
Most people underestimate their post-retirement expenses. With rising medical costs, longer life expectancy, and inflation, relying only on pensions, EPF, or family support isn’t enough.
Retirement planning ensures that:
- You don’t depend on your children or others financially
- You can afford quality healthcare in old age
- You maintain your lifestyle without financial stress
- You have a regular income even after you stop earning
📉 Consequences of Poor Planning:
❌ Running out of money in your 70s or 80s
❌ Struggling with healthcare expenses
❌ Compromising on living standards
❌ Burdening your family financially
❌ No legacy or wealth for the next generation
Let’s avoid all that with proactive planning!
🔑 What Our Retirement Planning Services Include:
✅ 1. Goal-Based Retirement Corpus Planning
We calculate how much you need based on:
- Your current age
- Planned retirement age
- Expected lifestyle after retirement
- Inflation rate and medical costs
- Other income sources like pension or rental
We help you set realistic financial goals for retirement and create a roadmap to reach them.
✅ 2. Investment Portfolio for Retirement
Based on your risk profile and time horizon, we recommend a well-diversified portfolio that may include:
- NPS (National Pension System)
- EPF/VPF
- Mutual funds (especially SIP in hybrid/balanced funds)
- PPF (Public Provident Fund)
- Senior Citizen Savings Scheme (SCSS)
- Fixed deposits & annuity plans
- Insurance-linked retirement plans
- Index funds or retirement-oriented ETFs
✅ 3. Retirement Income Planning
We structure your investments to provide monthly/quarterly income post-retirement, using:
- SWP (Systematic Withdrawal Plan) in mutual funds
- Dividend-paying funds
- Annuity plans from LIC or other insurers
- Fixed income instruments
✅ 4. Pension & Government Scheme Advisory
We help you navigate through:
- National Pension System (NPS)
- Atal Pension Yojana (APY)
- PM Vaya Vandana Yojana
- SCSS and Post Office Monthly Income Scheme
✅ 5. Tax Efficiency in Retirement
We ensure that your income sources in retirement are structured in a tax-efficient manner so you don’t lose a large part of your returns to taxes.
🎯 Ideal Retirement Planning Starts Now
- In Your 20s–30s: Start early, invest aggressively, leverage compounding
- In Your 40s: Focus on wealth accumulation and secure family’s future
- In Your 50s: Reduce risk, shift towards stable income sources
- Near Retirement: Plan annuities, SWPs, and healthcare cover wisely
Remember — the earlier you start, the more you gain with lower risk.
🧠 Why Choose InvestmentTalky for Retirement Planning?
✅ We offer personalised plans, not generic templates
✅ We consider your life goals, health conditions, and family needs
✅ We ensure tax-optimized strategies for pre and post-retirement
✅ Access to top-rated retirement products
✅ End-to-end assistance — from investment to execution
✅ Friendly support from real advisors, not bots
📊 Real Example: How SIP Helps Build Retirement Wealth
Say you’re 30 years old and invest ₹5,000/month in an equity mutual fund SIP.
By age 60 (30 years later), you could accumulate over ₹1.5 crore, assuming a 12% average return.
That’s the power of compounding — and it works best when you start early!
🏥 Don’t Forget: Retirement + Health Insurance = Peace of Mind
Healthcare costs rise post-retirement. We also help you select the right senior citizen health insurance so that medical emergencies don’t drain your retirement savings.
📞 Let’s Build a Future You Can Look Forward To
Retirement shouldn’t mean worry — it should mean freedom. Let InvestmentTalky.com help you build a solid financial foundation for the second innings of your life.