Professional Retirement Planning Services in India SEBI-Registered Advisor
Will ₹2 crores be enough for your retirement? Or do you need ₹10 crores? Don’t leave your golden years to guesswork.
As India’s trusted SEBI-registered, fee-only advisor, Aikeyam Wealth creates retirement plans that actually work. Whether you’re 28 or 50, we’ll help you build a corpus that funds your dream lifestyle, protects against medical inflation, and lasts your entire retirement.
Your plan covers everything from wealth accumulation to tax-efficient income distribution—personalised for your goals and reviewed regularly as life changes.
Why Most Retirement Plans Fail in India
Don’t let these common mistakes derail your retirement dreams
Underestimating Medical Inflation
12-15% vs general 6-8%
Sequence-of-Returns Risk
Poor early retirement market performance
Poor Coordination
EPF, NPS, and personal investments misaligned
No Emergency Buffer
Unexpected healthcare costs not planned
Tax-Inefficient Withdrawals
Strategies eating into corpus
Estate & Succession Planning
Secure your legacy with clear, legal structures.
What Makes Our Retirement Planning Different
- Emergency preparedness strategy (cash buffers + comprehensive health cover)
- Multiple income streams (SWP, pensions, annuities, rental income)
- Strategic asset allocation for both accumulation and distribution phases
- Tax-optimised withdrawals across all instruments and regimes
- Ongoing support with quarterly reviews and life-change adjustments
- Conflict-free advice (fee-only model, no commissions)
What Is Retirement Planning
What Is Retirement Planning? It’s the process of defining your post-work life, calculating how much you’ll need, and investing toward a corpus that can safely fund your goals. Every retirement is different —your plan is too.
Wealth Accumulation Phase (Pre-Retirement)
Start early, maximise your savings rate, and let compounding work its magic. We help you:
- Optimise contributions across EPF, PPF, NPS, and market investments
- Choose the right asset allocation for your risk profile and timeline
- Minimise taxes while building your retirement corpus
Wealth Distribution Phase (Post-Retirement)
Convert your corpus into reliable cash flows while protecting against inflation, market volatility, and longevity risk. Our approach includes:
- Systematic withdrawal plans from mutual funds
- Pension and annuity optimisation
- Healthcare cost planning and emergency buffers
How Much Do You Actually Need?
We consider every crucial factor for your retirement corpus calculation
Lifestyle & Expenses
- Desired monthly expenses in today's rupees
- Inflation adjustments (general + medical)
- Life expectancy and healthcare buffers
Financial Parameters
- Expected returns (pre and post-retirement)
- Tax implications and optimisation strategies
- Other income sources (EPS/NPS, pension, rentals, ESOPs)
How Much You Actually Need
Real Examples
Monthly expenses today:
₹1,00,000
Retirement age:
60
Life expectancy:
85
Monthly expenses today:
₹2,00,000
Retirement age:
55
Life expectancy:
85
Monthly expenses today:
₹70,000
Retirement age:
45
Life expectancy:
85
(Calculations assume 8% inflation, 9% post-retirement returns)
Our Method
We project expenses to retirement using realistic inflation rates, size the corpus using conservative real returns, then assign a bucket-based asset allocation with a disciplined withdrawal plan.
The Bucket Strategy for Retirement Income
Strategic allocation to manage sequence-of-returns risk
Bucket 1 (0–2 years)
Immediate Liquidity
Cash and liquid funds for monthly expenses and emergencies
Time Horizon:
2 years
Risk Level:
Very Low
Bucket 2 (3–7 years)
Stability Focus
Short-duration and target-maturity debt funds for predictable income
Time Horizon:
5 years
Risk Level:
Low
Bucket 3 (8+ years)
Growth Assets
Equity and balanced funds to outpace inflation over the long term
Time Horizon:
15+ years
Risk Level:
Moderate
Rebalancing Rules: Refill near-term buckets after strong equity performance; avoid forced selling during market downturns.
Building Multiple Retirement Income Streams
At Aikeyam Wealth, we don’t sell products. We build strategies.
As a SEBI-registered fiduciary, our only commitment is to you.
Systematic Withdrawal Plans (SWP)
- Tax-efficient withdrawals from mutual funds
- Flexible monthly income with corpus protection
- Works well with bucket strategy
Pensions & Annuities
- NPS annuity for guaranteed income
- Private annuities for additional security
- Trade-off: lower returns for certainty
Government Schemes
- SCSS (Senior Citizens Savings Scheme)
- PMVVY (Pradhan Mantri Vaya Vandana Yojana)
- Useful for portion of corpus with safety needs
Rental & Other Income
- Property rental income
- Part-time consulting or business income
- Integrate with SWP for smoother cash flows
Emergency & Healthcare Preparedness
Protecting your retirement corpus from unexpected healthcare costs
Cash Reserves
- 12–24 months of expenses in liquid funds
- Separate from investment buckets
- Easy access without market risk
Health Insurance Strategy
- Comprehensive health cover + super top-up
- Coverage sized for senior-age healthcare needs
- Medical inflation buffer (15% annual increase)
Critical Illness Protection
- Coverage for major health events
- Long-term care scenario planning
- Integration with family healthcare needs
our Process
Our 6-Step Retirement Planning Process
Discovery & Lifestyle Planning
Define your retirement vision, goals, and constraints
Risk Assessment & Data Gathering
Analyse income, expenses, assets, liabilities, and risk tolerance
Corpus Calculation
Size your retirement corpus using inflation-adjusted projections
Strategic Asset Allocation
Design accumulation and distribution phase strategies
Income Distribution Planning
Structure SWP, pensions, and tax-optimised withdrawals
Ongoing Reviews & Adjustments
Regular rebalancing, healthcare updates, and life change adaptations
What's Included
Who Our Retirement Planning Serve
Salaried Professionals
Corporate executives, government employees, entrepreneurs building retirement security
Non-Resident Indians (NRIs)
Coordinated planning for India and overseas assets, tax optimization across jurisdictions
Early Retirement Seekers
FIRE (Financial Independence, Retire Early) planning with accelerated savings strategies
Families with Complex Needs
Multi-generational planning, healthcare provision, legacy considerations
Let’s talk
Ready to Secure Your Retirement?
Don't wait—every year you delay costs you lakhs in potential corpus growth. [Get Your Free Retirement Analysis →] (Worth ₹5,000 - Limited spots available)
FAQs
Frequently Asked questions
We’ve got answers! explore our FAQs to learn more about how Aikeya can enhance your wealth.
01 When should I start planning for retirement in India?
Start now, regardless of your age. The power of compounding means starting at 25 vs 35 can reduce your required monthly savings by 50-60%. You can get loans for cars and houses, but not for retirement.
02 How much corpus do I need to retire comfortably in India?
It depends on your lifestyle, location, and retirement timeline. For a ₹1 lakh monthly lifestyle today, you’ll typically need ₹8-15 crores by age 60, depending on inflation and expected returns. Use our calculator for your specific situation.
03 What's the difference between NPS and mutual fund SWP for retirement?
NPS provides guaranteed pension income but with lower flexibility and returns. SWP from mutual funds offers higher potential returns and complete flexibility but with market risk. Most optimal plans use both strategically.
04 How do I plan retirement as an NRI investing in India?
We coordinate your India and overseas portfolios, considering DTAA benefits, repatriation rules, and currency risks. The strategy depends on whether you plan to retire in India or abroad.
05 What's the bucket strategy and why is it important?
The bucket strategy separates your retirement corpus by time horizon: immediate needs (0-2 years) in safe assets, medium-term (3-7 years) in moderate risk assets, and long-term (8+ years) in growth assets. This protects you from being forced to sell equities during market downturns.
06 How do I protect my retirement corpus from medical inflation?
Healthcare costs grow 12-15% annually in India vs 6-8% general inflation. We model higher medical inflation, ensure adequate health insurance with super top-up covers, and maintain separate emergency health buffers.
07 Can I retire early (FIRE) in India? What corpus do I need?
Yes, early retirement is possible with disciplined saving and strategic investing. For FIRE by age 45 with ₹75,000 monthly expenses, you’d need approximately ₹12 crores. The key is achieving 40-50% savings rates and optimal asset allocation.
08 How often will you review my retirement plan?
We conduct quarterly portfolio reviews and annual comprehensive plan reviews. Major life events (job change, health issues, inheritance) trigger immediate plan adjustments to keep you on track.
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