Retirement Planning
Retirement Is Not an Age.
It's a Number.
A well-planned retirement is the ability to live the life you want, on your own terms, without depending on children, employers or luck. Everything begins with knowing your number.
The Real Problem
Retirement Is the Most Underestimated Financial Goal
Assuming EPF alone will be enough
Underestimating post-retirement inflation
Ignoring healthcare costs in later years
Prioritising children's goals over your own
No plan for income once salary stops
Starting too late to leverage compounding
No one gives loans for retirement.
This is one goal you must fund yourself.
Why It Matters
You May Spend a Third of Your Life in Retirement
With longer life expectancy and rising healthcare costs, your retirement corpus needs to sustain 25–30 years of expenses — and keep growing after you stop earning.
Current age
Desired retirement age
Lifestyle expenses
Existing corpus
EPF / NPS / PPF
Healthcare cover
"The best time to plan for retirement was ten years ago. The next best time is today."
How Aarush Wealth Helps
A Retirement Corpus, Designed and Defended
Retirement Number Discovery
- Estimate post-retirement monthly expenses
- Adjust for inflation to retirement year
- Factor in life expectancy of 85+
- Account for one-time large expenses
Corpus Building Strategy
- Equity-led accumulation for long horizons
- Structured use of EPF, PPF and NPS
- Goal-linked SIPs and top-ups
- Avoid tax-inefficient products
Healthcare & Protection
- Adequate senior-friendly health cover
- Super top-up for large hospital events
- Emergency medical reserve
- Term cover during accumulation years
Withdrawal & Income Planning
- Bucket strategy for post-retirement income
- SWP from mutual funds
- Annuity where appropriate
- Tax-efficient drawdown sequencing
Our Philosophy
Financial Independence. Not Just Retirement.
The real goal is not stopping work — it is the freedom to choose whether to work, and on what terms. A funded retirement gives you exactly that choice.
Reflect
Before Your Next Financial Decision…
Q1.Do I know how much monthly income I will need after I stop working?
Q2.Is my current retirement corpus on track for that number?
Q3.If I retired ten years earlier than planned, would my family still be secure?
Complimentary Review
Let's Calculate Your Retirement Number.
We'll help you estimate the corpus you need, review what you already have across EPF, NPS, PPF and investments, and design a plan to close the gap comfortably.
The information on this page is intended solely for educational and informational purposes and should not be construed as investment, insurance, tax or legal advice. Any recommendations will be made after understanding your financial situation and objectives, in accordance with applicable regulatory requirements. Mutual fund investments are subject to market risks; please read all scheme-related documents carefully before investing.