Build the corpus. Then arrange the income.
Two distinct phases need two different sets of products. During your earning years the objective is steady accumulation — commonly through SIPs in mutual fund schemes, NPS contributions and traditional insurance-linked savings products.
After retirement the objective changes to a predictable cash flow. Options in common use include systematic withdrawal from mutual fund folios, annuities purchased from life insurers, and government-backed small savings schemes for senior citizens.
We present the features, lock-ins, liquidity and taxation of each category as disclosed in the offer documents so that you can decide. We do not project or promise any level of corpus, income or return.
The paperwork side of it
- Category-wise comparison of accumulation products
- SIP set-up, step-up and review reminders
- NPS registration and annuity documentation at exit
- Systematic withdrawal registration for post-retirement cash flow
- Nomination and succession paperwork across folios
Mutual fund schemes · NPS · Life insurance annuities
Before you sign anything
That depends on your current expenses, expected years to retirement and the inflation you assume. We can show you illustrative arithmetic, but the figures are assumptions and not a projection of any outcome.
They differ in lock-in, liquidity, cost, taxation and the annuity requirement at exit. Many households use both. The right mix depends on your circumstances and is best confirmed with your tax consultant.
Mutual Fund investments are subject to market risks. Read all scheme related documents carefully before investing. Past performance is not indicative of future results and no return is assured or guaranteed.
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Mutual Fund
Regular-mode transactions in schemes of every AMC in India — SIP, lumpsum, STP and SWP.
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SIP
Systematic Investment Plans across mutual fund schemes of every AMC — set up, step up or pause, without the guesswork.
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Specialized Investment Fund (SIF)
A SEBI-regulated category that sits between mutual funds and portfolio management services, for eligible investors.
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Have a question about Retirement Solutions?
Call us during working hours or send a WhatsApp message. We will walk you through the documents, the costs and the process before anything is signed.