How much do I need to retire comfortably in India?

It depends on your lifestyle, city of residence, and retirement age. As a rough guide, if you spend Rs 50,000/month today and plan to retire in 20 years, you would need approximately Rs 3-4 crore assuming 7% inflation and 25-30 years of retirement. An RIA calculates the precise number for your situation.

Should I invest in NPS for retirement?

NPS offers an additional Rs 50,000 tax deduction under Section 80CCD(1B) beyond the 80C limit. The equity allocation option and low fund management charges make it attractive. However, the mandatory annuity purchase at retirement (minimum 40%) and lock-in until 60 are drawbacks. Your RIA helps you decide the right NPS allocation.

When should I start retirement planning?

As early as possible. Starting at age 25 vs 35 can halve the monthly SIP needed to reach the same corpus, thanks to compounding. Even if you start late, a structured plan is always better than no plan. Your RIA will work with whatever timeline you have.

What about healthcare costs in retirement?

Medical inflation in India runs at 12-15% annually. Your RIA factors in a separate health emergency corpus, recommends adequate health insurance (with super top-up), and suggests critical illness cover. This is often the most under-planned aspect of retirement.

Retirement Planning by SEBI-Registered RIAs | Finamize

Plan for financial independence with expert guidance. Calculate your retirement corpus, build a systematic investment plan, and ensure your money outlasts your retirement.

₹50L

MIN RIA NET WORTH

TRAIL COMMISSIONS

NISM

CERTIFIED

Annual

AUDIT REQUIRED

Why Finamize

Why Choose Finamize

Corpus Calculation

Your RIA computes the exact retirement corpus needed, factoring in inflation (6-7%), lifestyle expenses, medical costs, and life expectancy. No guesswork — real numbers.

Systematic Investment Plan

A step-up SIP strategy that increases annually with your income. Start with what you can afford today and scale gradually to reach your target corpus.

NPS Optimisation

Maximise your National Pension System benefits — optimal allocation between equity, corporate bonds, and government securities based on your age and risk profile.

Post-Retirement Income

Plan for regular income after retirement through Systematic Withdrawal Plans (SWP), annuities, Senior Citizens' Savings Scheme, and dividend income strategies.

How It Works

Get Started in 3 Steps

Retirement Goal Setting

Define your desired retirement age, monthly expenses, travel plans, and healthcare needs. Your RIA builds an inflation-adjusted projection.

Gap Analysis & Strategy

Compare your current savings trajectory with the target corpus. Your RIA creates a strategy to bridge the gap with optimal asset allocation.

Execute & Track

Start SIPs, optimise NPS allocation, and track progress annually. Your RIA adjusts the plan as circumstances change.

Regulatory Framework

FAQ

Frequently Asked Questions

Start Retirement Planning

Connect with a SEBI-registered RIA to calculate your retirement corpus and build a realistic plan to achieve financial independence.