Retirement

When the work stops, the income shouldn’t.Saving for retirement: SIPs while you earn, a monthly income later.

Getting ready for retirement has two parts: build a corpus with SIPs while you earn, then turn it into a regular monthly income when you stop working. We help you with both, with inflation in mind.

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Who this is for

In your 20s and 30s

Time is your biggest strength. Even a modest SIP started now has many years to grow.

In your 40s and 50s

Retirement is getting closer. It’s time to check whether you’re on track, and to step up your SIP where you can.

Close to retirement or retired

You have savings and want them to pay you a monthly income through an SWP, while the rest stays invested.

How it works with us

Work out your number

We look at your monthly expenses today, the years left to retirement and an assumed inflation rate, to estimate the corpus you may need. The retirement calculator gives a first idea.

Build it while you earn

We help you choose a mix of equity and debt funds through SIPs: more equity while retirement is far away, more debt as it comes closer.

Turn it into income

At retirement, we help you set up an SWP for a monthly income, keep an emergency reserve, and review it with you every year.

Retirement calculator

Retirement calculator: how much will you need?

Drag a highlighted number left or right, tap it to type, or use the arrow keys.

Your age nowRetirement ageMonthly expenses todayExpected inflationYears in retirementExpected CAGR before retirementExpected CAGR after retirementSavings set aside

is growth

Monthly expenses then–

Corpus needed–

Monthly SIP needed–

Amount investedEst. returns

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Year by year

How it could build up, one year at a time. Tap a row to see it on the chart.

Year	Amount invested	Value

Illustration only, at the rates you choose. Mutual fund returns are market-linked and not guaranteed.

Retirement calculator

See what your monthly expenses may be when you retire, how big a corpus could cover them, and how much to invest each month to get there. It’s a starting estimate at rates you assume, not a guarantee.

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What we do for you

Estimate your retirement corpus with clear, stated assumptions
Help you pick funds and a SIP amount that fit your age and risk comfort
Shift your mix gradually from equity towards debt as retirement nears
Set up an SWP for a monthly income after you retire
Help you keep health insurance in place, so medical bills don’t eat into your savings
Review your retirement savings with you every year and after big life changes

An SWP is not a pension

An SWP pays you from your own savings. If you withdraw too much, or markets stay low for a long stretch, the money can run out sooner. We help you choose a withdrawal amount that leaves room for this.

How the mix of equity and debt can change with age

Stage	Main aim	Mix usually leans towards
20+ years to retirement	Growth	Mostly equity funds
5 to 20 years to go	Growth with some stability	Equity, with a growing share of debt
Last 5 years	Protect what you’ve built	More debt, less equity
After retirement	A regular income that lasts	Mostly debt for income, some equity for long-term growth

An illustration only. Your actual mix depends on your goals, your other savings and your comfort with risk. Equity returns are market-linked and can fall.

FAQ

Common questions

When should I start saving for retirement?

As early as you can. For example, at an assumed 12% CAGR, ₹5,000 a month for 30 years could grow to about ₹1.76 crore, while the same SIP for 20 years could reach about ₹50 lakh. These are illustrations, not promises; actual returns will differ.

How much money do I need for retirement?

It depends on your monthly expenses, how many years are left until you retire, how long retirement may last and inflation. Our retirement calculator gives a first estimate, and we go through the assumptions with you.

Why does inflation matter so much when saving for retirement?

Prices keep rising. For example, at an assumed 6% inflation, monthly expenses of ₹30,000 today would become about ₹96,000 a month in 20 years. Your savings have to cover that bigger number, not today’s.

What is an SWP?

A Systematic Withdrawal Plan pays you a fixed amount from your mutual fund every month by selling a few units each time. The rest stays invested. It is often used after retirement to create a regular income.

I run my own business and have no pension. How do I save for retirement?

Many families run shops, businesses or farms, with no employer PF or pension. A monthly SIP, topped up with lumpsum money after a good year, can build your own retirement fund. We help you set a target and keep track of it.

How often should I review my retirement savings?

At least once a year, and whenever something big changes, like your income, health or family needs. We check whether you’re on track and whether your equity and debt mix still suits your age.

Keep exploring

Try the calculatorRetirement calculatorEstimate your retirement corpus and the monthly SIP to build it.Mutual funds and SIPInvest a fixed amount every month in funds chosen for your goal and risk.Health insuranceCover for hospital bills for you, your family and your parents, with claim help.How we work with you, step by stepFour simple steps, the same whether you’re starting a small SIP or sorting out your whole family’s money. You always know what’s happening, what it costs and who gets paid.

Your next step

Start saving for retirement today

Tell us your age, your monthly expenses and when you’d like to retire. We’ll work through the numbers with you and explain the options. Book a meeting, or ask us to call you.

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Ticket to tomorrowLKI-1987

FromTodayWhere you are now

ToTomorrowWhere you want to be

Passenger: You and your family
Meeting: 30 minutes
Fare: Free
Where: Office or phone

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