Retirement Planning & Legacy Wealth Management
Retirement is not a singular event, but a phase that requires structured income planning. We design strategies to ensure your corpus generates consistent, inflation-adjusted cash flow throughout your golden years while preserving your legacy.
Planning for a comfortable retirement with a steady income is a common goal. This webinar announcement, featuring our expert Sunil Kawariya, addresses how to build a corpus capable of generating a significant monthly income post-retirement.
When is the best time to start planning for retirement? This video answers that question directly: today. We emphasize that no matter your age, our custom strategies can help you build a worry-free investment path for your future.
Is your retirement plan on track? This checklist provides a quick way for you to assess your readiness, covering essentials like an emergency fund, diversified investments, and passive income sources. Our experts are here to help you build a strategy that works.
Securing your legacy requires thoughtful estate planning. This graphic emphasizes the importance of a well-structured plan to protect your assets, provide for your family, and ensure your wishes are honored for a secure tomorrow.
This slide from our weekly bulletin discusses macro-events impacting investments, such as inflation affecting consumption stocks. It sets the context for why stable, government-backed schemes are an important part of a diversified retirement plan.
This "Market at a glance" table from our weekly bulletin provides a snapshot of recent market performance. It serves as a backdrop to our feature on the Senior Citizen Savings Scheme, highlighting the need for stable income sources amidst market fluctuations.
This slide introduces the Senior Citizen Savings Scheme (SCSS) as a government-sponsored instrument. We explain its purpose: to provide individuals over 60 with a steady and secure source of income, noting its current 8.2% rate of interest.
This table presents key domestic macro indicators like P/E ratios, repo rates, and inflation. This data provides context for investors considering different retirement options, including the relative stability of the SCSS.
Here, we detail the deposit limits and maturity tenure of the SCSS. We explain the minimum and maximum investment amounts and the initial 5-year period, which can be extended by another 3 years, offering flexibility.
This slide provides important information on the premature withdrawal and account closure rules for the SCSS. We clarify the conditions and penalties, ensuring potential investors have a complete understanding of the scheme's liquidity.
About Secure Your Retirement & Legacy
We move beyond basic savings by implementing a 'Bucket Strategy' for your retirement corpus. By compartmentalizing your funds into short, mid, and long-term buckets, we ensure your liquidity needs are met while your long-term capital continues to work for you. This approach removes the guesswork from withdrawals and helps maintain your lifestyle without panic when markets fluctuate.
Building a Sustainable Retirement
Most investors struggle with the transition from the accumulation phase to the distribution phase. When you stop your active income, your financial priorities shift from aggressive growth to capital preservation and steady cash flow.
Our retirement planning framework is built on three core pillars:
- Inflation-Adjusted Income: We factor in long-term inflation to ensure your monthly income maintains its purchasing power over two or three decades.
- Asset Allocation: Using instruments like the Senior Citizen Savings Scheme (SCSS) for government-backed stability, alongside diversified equity for growth, we balance risk to ensure your corpus does not deplete prematurely.
- The Bucket Strategy: We divide your portfolio into buckets based on time horizons. The 'short-term' bucket holds liquid cash for immediate needs, while 'mid' and 'long-term' buckets remain invested in growth assets. This prevents you from needing to liquidate equity holdings during market downturns.
Legacy & Estate Planning
Wealth preservation is only half the battle; ensuring a seamless transfer to the next generation is equally critical. We help families structure their assets to simplify multi-generational wealth transfer. This includes:
- Asset Structuring: Organizing investments to minimize tax leakage during transfer.
- Documentation: Ensuring beneficiaries are clearly mapped and holdings are consolidated.
Whether you are based in Bengaluru, Pune, or anywhere else in India, our certified planners work to identify gaps in your existing coverage—such as insurance redundancies or underperforming assets—to build a roadmap that offers you true peace of mind.
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