Retirement planning
Retirement planning
At Mindful Wealth, retirement planning investment service is designed to help you build long-term financial security through personalised strategies tailored to your goals, lifestyle, and risk tolerance.
We guide you through every stage – from early planning and portfolio diversification to tax-efficient withdrawals and legacy planning.
Key features of Retirement planning
Duration
The optimal investment duration for retirement planning is 20–40 years, spanning from your early career until retirement at around age 60.
Amount
Regularly invest an amount either through SIP or lump sum contributions, that will grow to cover your future expenses after adjusting for inflation.
Portfolio
We tailor your investments across equities, bonds, mutual funds, and more. The portfolio evolves with your age—growth-focused early on, stability-focused later.
Examples of Retirement planning
Examples of Retirement planning
- Creating a ₹3 Cr corpus by age 60 for ₹1L/month income
- Investing via SIPs in retirement-focused funds
- Accumulate ₹1.5 Cr by age 55 for early retirement
- Generate ₹75,000/month passive income post-retirement with SWPs
Our other financial services
Education Planning
Simplified Goal-Based Investment
Wealth Generation Plans
Insurance Guidance (Health & Term)
FAQs
A well-rounded retirement plan typically includes a mix of growth and income-generating investments based on your age, risk appetite, and financial goals.
During your working years, equity mutual funds via Systematic Investment Plans (SIPs) can offer long-term growth. You might also invest in the National Pension System (NPS) for tax benefits and market-linked returns.
As you get closer to retirement, the focus should shift toward more stable and low-risk options, like Public Provident Fund (PPF), debt mutual funds, Senior Citizens’ Savings Scheme (SCSS), and annuities.
Post-retirement, tools like Systematic Withdrawal Plans (SWP) and bucket strategies ensure you have a predictable monthly income while keeping some capital invested for continued growth.
Calculating your retirement corpus involves estimating your future monthly expenses, considering inflation, and determining how many years you expect to live post-retirement.
For instance, if you plan to retire at 60 and live until 85, that’s 25 years of expenses to cover. You'll also need to account for big-ticket costs like healthcare, insurance, home maintenance, and travel. A general rule of thumb is to aim for 70–80% of your pre-retirement income per year. Our financial experts help you calculate a more precise number by factoring in your lifestyle goals, current assets, liabilities, and future financial commitments. We then recommend a personalized investment plan to help you reach that target comfortably.
The best time to start planning for retirement is as early as possible—ideally in your 20s or 30s. The earlier you begin, the more you benefit from compounding, which allows your money to grow exponentially over time.
For example, investing ₹10,000 per month at age 25 could give you a significantly larger corpus by age 60 compared to starting the same investment at age 40.
However, even if you’re starting later in life, it’s never too late. With focused financial discipline and smart investment choices, you can still build a substantial retirement fund. The key is to start where you are and stay consistent.
Your path to financial freedom starts here...
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