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Retire with Dignity: Why Financial Planning for Retirement is a Must in India

Why plan for retirement?

Retirement is not the end—it's a new beginning, but only if you're financially prepared.
With rising healthcare costs, inflation, and longer life expectancy, relying solely on pension or children is no longer sufficient.
A well-planned retirement means freedom, security, and peace of mind.

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The Reality of Retirement in India

Average life expectancy: 75–80 years; retirement age: 60—meaning 20+ years of life without active income.
Inflation eats away purchasing power—₹50,000/month today may need ₹1.5 Lakhs/month in 20 years.
Healthcare costs are increasing at 10%–12% annually.
Most Indians are underprepared—only 2 out of 10 have a retirement corpus plan.

Why Retirement Planning is Essential

Ensure Income for Life

Build a steady income post-retirement through planned investments.

Stay Independent

Don't depend on children, relatives, or government support.

Cover Medical Emergencies

Health issues increase with age—so must your financial readiness.

Maintain Lifestyle

Retire without compromising your standard of living.

Beat Inflation

Only strategic investments can protect your purchasing power.

How to Plan Smartly

Step 1: Estimate your monthly expenses post-retirement.
Step 2: Calculate the required corpus using inflation-adjusted tools.
Step 3: Start early—invest in Mutual Funds, NPS, PPF, Retirement Plans, Annuities, etc.
Step 4: Rebalance your portfolio periodically (growth in early years, stability near retirement).

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Role of a Financial Advisor

Help assess your current status and gap to retirement goal.
Recommend best-suited products based on your age and risk profile.
Create a withdrawal strategy for regular income during retirement.
Monitor and adjust investments for long-term success.

Risk Factors – Investments in Mutual Funds are subject to Market Risks. Read all scheme related documents carefully before investing. Mutual Fund Schemes do not assure or guarantee any returns. Past performances of any Mutual Fund Scheme may or may not be sustained in future. There is no guarantee that the investment objective of any suggested scheme shall be achieved. All existing and prospective investors are advised to check and evaluate the Exit loads and other cost structure (TER) applicable at the time of making the investment before finalizing on any investment decision for Mutual Funds schemes. We deal in Regular Plans only for Mutual Fund Schemes and earn a Trailing Commission on client investments. Disclosure For Commission earnings is made to clients at the time of investments. Option of Direct Plan for every Mutual Fund Scheme is available to investors offering advantage of lower expense ratio. We are not entitled to earn any commission on Direct plans. Hence we do not deal in Direct Plans.

AMFI Registered Mutual Fund Distributor – ARN-000 | Date of initial registration – 00 APR 0000 | Current validity of ARN – 00 APR 0000

Page Title

Retire with Dignity: Why Financial Planning for Retirement is a Must in India

Why Retirement Planning is Essential

Ensure Income for Life

Stay Independent

Cover Medical Emergencies

Maintain Lifestyle

Beat Inflation

How to Plan Smartly

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