रिटायरमेंट प्लानिंग — 4 फेज़, 1 लाइफटाइम, जीरो स्ट्रेस।
Most Indians start planning retirement 10 years too late. Starting NPS at 25 vs 35 can double your corpus. We guide you through every phase — from first contribution to monthly pension.
Each decade of your life needs a different strategy. Here's exactly what to do — and with what products.
The National Pension System — India's most tax-efficient retirement vehicle.
Tier I is the primary pension account — mandatory, tax-efficient, with withdrawal restrictions. Tier II is a voluntary savings account — no lock-in, no tax benefit, but fully flexible.
E (Equity) — up to 75%, market-linked growth.
C (Corporate Debt) — stable fixed income.
G (Govt Securities) — safest, lowest return.
A (Alternative) — up to 5%, advanced investors.
Choose from HDFC Pension, SBI Pension, ICICI Pru, Kotak, UTI, LIC, and others. You can switch PFM once per year. Track record, AUM, and returns matter for long-term corpus.
How you exit NPS is as important as how you contributed. Choosing the wrong annuity can cost you lakhs over your lifetime.
Pension continues for your spouse after your death. Slightly lower payout but ensures spouse is never left without income. Recommended for most families.
After your death, the full annuity purchase price is returned to your nominee. Lower monthly pension but corpus preserved for family — ideal for wealth transfer.
Pension increases by 3–5% every year — fights inflation. Starts at a lower amount but grows over time. Best for those expecting a long retirement life.
Pension guaranteed for 10–20 years even if you pass away early. Nominee receives balance guaranteed years' pension. Security for early departure.
The 60% lump sum is completely tax-free. The 40% annuity income is taxable as per your slab in retirement. Planning your annuity type early is critical — you can't change it after purchase. We help you make this decision right.
See exactly how much you'll have at 60 — and what monthly pension you can expect. Takes 60 seconds.