Retirement planning & enjoying the fruits of your labour.

A successful retirement means different things to different people. But whether it's quality time with loved ones, seeing the world, volunteering or spending more time in the garden, one thing is for sure — no one wants to spend their golden years stressed by financial concerns.

Planning for your retirement sooner will provide you with more opportunities to reach your retirement goals.

The concept of retirement has changed dramatically in recent years. Only 20 years ago, it meant a few quiet years of rest after a hard life of work. But, with better health and life expectancy rates, retirement today could mean more time for sports and leisure, quality years with the family, travelling the world, moving to the beach, or doing something you've always wanted to.

A bit of careful planning can help to eliminate the worry of not having enough to live on. Wherever you are on your road to retirement, it's never too early to start planning. Even if you feel you’ve left things a little late, planning now can still make a real difference.

Financial Strategy for Retirement

We have helped hundreds of clients carefully consider their strategy for retirement

Self Funded Retirement Corpus

Most Indians will rely on their own savings to fund their retirement.

We focus on two things — reviewing your investment for maximum potential.


Developing an investment plan is a vital step in pursuit of your retirement goals. With our help, you will learn how to build an investment portfolio that's right for you, which assets to invest in, and how to manage risk.

National Pension System (NPS)

We'll guide you through the complex maze of NPS many investors are not able to decide which pension fund they should invest in. The problem is further compounded by the fact that the NPS investments are spread across 2-3 fund classes.

So, we studied the blended returns of four different combinations of the equity, corporate debt and gilt funds.

Tax and Retirement Income Strategies

How to choose between retirement investment options and the tax implications? We are able to assist in making the right decisions.

We can also help you to evaluate the different types of retirement income products available.

Among others some available strategies can include:

  • Transition to retirement pensions
  • Allocated pensions
  • Withdrawals & re-contributions
  • Child pensions
  • Spouse contributions
  • Spouse contribution splitting
  • Salary sacrifice
  • Tax optimisation, not tax evasion

Retirement Corpus

By the time you retire, retirement corpus may be your second most valuable asset behind your home.

Equity oriented mutual funds and tax efficient debt funds can provide large tax benefits as opposed to other ways of investing. We focus on two things — reviewing your investment for max potential.

In our experience, Equity oriented mutual funds and tax efficient debt funds are popular with Indian investors who are seeking:

Choice — to access a wide range of investment options.

Control — to pool family assets, make active decisions to grow wealth for retirement and build a strategy for their beneficiaries and their own later years.

Flexibility — to change investments and the structure of their investment as needed, and to implement effective tax strategies.

Transparency — to have greater visibility over how their investments are performing.

We can help you to weigh up the options when considering a equity oriented mutual funds and tax efficient debt funds. We work alongside your accountant or fund administrator to help you understand the rules, avoid the pitfalls and utilise the potential for your funds.

Discover if self managed super is right for you.
Make a complimentary first appointment.