Wealth & Protection
The number is larger than people expect, and later than they think
Retirement is the one goal you cannot borrow for, cannot postpone indefinitely, and cannot ask anyone else to fund. It deserves an actual number rather than a feeling.
What usually goes wrong
Not every one of these will apply to you. Most households recognise at least two.
- A target that was never calculated — just a round number that sounded large at the time.
- Inflation ignored, so a corpus that looks generous today funds a much smaller life in thirty years.
- The same aggressive return assumed throughout, including the twenty-five years after you have stopped earning.
- For business owners: the business itself is the retirement plan, which makes it a single, illiquid, concentrated bet.
Before anything is suggested
The questions that come first
A recommendation made before these are answered is a guess with a product attached.
- 01 What do you spend in a month today?
- 02 At what age would you like the choice to stop?
- 03 What is already set aside — including EPF and PPF?
- 04 Is the business part of the plan, and what is it actually worth?
- 05 Who else depends on this corpus?
Life cover premiums may qualify for tax benefits under Section 80C, subject to prevailing tax laws.
Not sure whether this applies to you? The two-minute check gives you a straight answer before you talk to anyone.
Check your Wealth ScoreTalk it through, at no cost
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