Question 1

How much corpus do I really need to retire?

Accepted Answer

A common rule: 25–30 × your annual expenses at retirement. If you need ₹6 lakh per year today, you'll need around ₹5–6 crore in 25 years (after inflation). We give you your exact number in the consultation.

Question 2

Is EPF / PPF enough for retirement?

Accepted Answer

For most people, no. EPF + PPF returns barely beat inflation. To build a real retirement corpus, you need equity exposure through mutual funds for 15+ years.

Question 3

When should I start planning for retirement?

Accepted Answer

Ideally in your 20s or 30s. A 30-year-old needs to save much less per month than a 45-year-old for the same corpus, thanks to compounding.

Question 4

What if I'm already 45–50 and haven't started?

Accepted Answer

It's not too late — but you'll need a higher monthly SIP, smarter asset allocation, and possibly to work 2–3 extra years. We've helped many families catch up successfully.

Question 5

How will I get monthly income after I retire?

Accepted Answer

We set up a Systematic Withdrawal Plan (SWP) from your mutual fund corpus — giving you a tax-efficient monthly 'pension' while the remaining corpus keeps growing.

Retire on your own terms.

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