Retirement Solutions
Whether retirement is decades away or already here, we help you understand the products that can build a corpus or provide regular income.
During working years, SIPs in mutual funds and pension plans can help build a retirement corpus over time. After retirement, many families look for regular income through SWPs, annuities, the Post Office Monthly Income Scheme or the Senior Citizens Savings Scheme.
Each option trades off flexibility, return potential and certainty differently. We explain these trade-offs, including inflation and longevity risk, so that you can choose with clarity.
What is included
- Pension and annuity products
- SWP set-up for monthly income
- Senior Citizens Savings Scheme
- Post Office Monthly Income Scheme
- Health cover for senior citizens
- Nomination and family documentation
How it works
- Estimate expenses
Monthly household costs today and after inflation. - List income sources
Pension, rent, deposits and existing investments. - Compare income options
Annuity, SWP, SCSS and MIS side by side. - Keep documents in order
Nominees, joint holdings and a simple family record.
Common questions
Is an annuity income fixed?
A traditional annuity pays a rate fixed at purchase, but the income is taxable and usually not inflation-linked.
Can SWP income stop?
If withdrawals exceed returns for long, the invested amount can be exhausted. Use our SWP calculator to see illustrations.
What is the SCSS investment limit?
The limit is set by the Government and currently stands at ₹30 lakh per individual.
Other services
Speak with us before you invest
Share what you are looking for and we will walk you through the options, documents and next steps. No charge for a conversation.
