Retire on your terms,
not the market's.
A successful retirement doesn't happen by accident. It's the result of knowing your number, starting early, and following a strategy that protects your wealth while making it last a lifetime.
Three phases of retirement planning
Accumulation Phase
Age 25–50. Build your corpus aggressively through equity SIPs, ELSS, and goal-based investing. Time is your biggest asset — compounding works best here.
Consolidation Phase
Age 50–60. Gradually shift from high-risk equity to balanced and debt funds. Protect the wealth you've built while continuing to grow it.
Distribution Phase
Age 60+. Deploy the 3 Bucket Strategy. Your corpus is now your income engine — designed to last your entire lifetime without running out.
Find your retirement number
How much do you need to retire comfortably? How much should you invest every month? Find out in seconds.
Your Details
Adjust the values to match your situation.
Retirement Corpus Needed
₹4.06 Crore
to cover 25 years of retirement
Estimates only. Actual results depend on market conditions. Consult an advisor before investing.
The 3 Bucket Strategy
The most effective way to manage retirement withdrawals. Divide your corpus into three buckets based on time horizon — so you always have cash when you need it and growth when you don't.
Liquidity Bucket
Covers your immediate living expenses. This money should never be invested in volatile assets — it needs to be accessible at any time without market risk.
💡 Pro Tip
Keep 1–2 years of living expenses here. When markets fall, you live off this bucket — so you never need to sell your equity investments at a loss.
Recommended Allocation
10 – 15% of corpus
of your total retirement corpus
Primary Goal
Capital preservation + immediate liquidity
Where to Invest
Time is your most valuable asset
Two investors both want ₹5 Crore at retirement. Investor A starts at 25, Investor B starts at 35. Assuming 12% returns — Investor A needs a ₹4,000/month SIP. Investor B needs ₹13,000/month. Same goal, same returns — but 10 years makes a 3x difference in monthly investment.
The earlier you start, the less you need to invest monthly. Compounding rewards patience above all else — start today, even if it's small.
Starting at 25 vs 35 — to reach ₹5 Crore
Assuming 12% annual returns, retire at 60
Ready to start your
financial journey?
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