Retirement Solutions
Two halves of the same journey: building a corpus while you earn, and drawing an income from it once you stop.
Overview
Retirement Solutions
Retirement is the longest goal most people have, and also the one most easily postponed. Small SIPs started early and stepped up with your income can build a meaningful corpus, though returns are never assured.
Closer to and after retirement, the job changes: keeping money accessible, managing volatility and drawing a steady income. Systematic Withdrawal Plans (SWPs) from mutual fund schemes can provide a monthly or quarterly payout from your investments.
What we help with
What is included
Long-term SIPs
Monthly SIPs with annual step-ups through your working years.
Retirement-oriented schemes
Solution-oriented retirement funds with a lock-in of five years or until retirement age, whichever is earlier.
Systematic Withdrawal Plans
A fixed amount credited to your bank account monthly or quarterly from your holdings.
Stability buckets
Debt and hybrid schemes for money you may need in the next few years.
Corpus estimate
Use our retirement calculator to estimate the corpus you may need at today’s costs.
Nominations in order
Nominees, contact details and documents kept up to date so your family is never stuck.
How it works
Four simple steps
Estimate the need
Work out an indicative corpus with our retirement calculator.
Start building
Start SIPs and add lump sums when bonuses or maturities come in.
Shift gradually
Move part of the money into lower-volatility schemes as retirement nears.
Draw an income
Set up an SWP for a steady monthly payout.
Questions
Frequently asked
Is an SWP the same as a pension?
No. An SWP pays out by redeeming units from your investment. The payout continues only while units remain, and the value of those units moves with the market.
When should I start?
The earlier you start, the longer compounding has to work. A smaller SIP started early often does more than a larger one started late.
Can I change the SWP amount later?
Yes. You can change, pause or stop an SWP by submitting a request to the AMC. We handle this for you.
Good to know
- SWP withdrawals are redemptions and may attract capital-gains tax and exit loads.
- Withdrawing more than the portfolio earns will reduce the capital over time.
- Calculator results are illustrations based on assumed rates, not projections.
Ready to take the first step?
Talk to us about KYC, your first SIP, an NRI investment or an insurance renewal. We reply on call, email and WhatsApp.