Retirement
A Retirement Corpus Is Not About Saving Money. It Is About Buying Freedom.
The goal isn't a number for its own sake. It's a fixed amount hitting your account every month, long after the paychecks stop.
₹1Cr – 3Cr
Typical target corpus
₹2Cr in 25 yrs
Homepage illustration
15–30 years
Typical horizon
Figures are illustrative suggested ranges for goal-setting purposes only, not a projection or promise of returns.
The Math, Made Simple
What starting earlier actually saves you.
For an illustrative target of ₹2Cr, here is approximately what the required monthly SIP looks like at different starting points.
25 years to go
₹14,000 / month
15 years to go
₹46,000 / month
10 years to go
₹95,000 / month
Illustrative only. Assumes a hypothetical 11.00% annual growth rate for calculation purposes, compounded monthly. This is not indicative of actual or future returns, which are not guaranteed and depend entirely on market performance. Speak with us for a suggestion based on your actual goal, timeline, and risk profile.
How It Works
Let's make better financial decisions.
Understand the goal
We start with the family's actual objective: a date, a number, a milestone. Not a product.
Calculate the corpus
We work backward from the goal to a realistic target corpus, adjusted for inflation and time horizon.
Set up SIP + Lumpsum
A structured mix of monthly SIP and lumpsum investment is built around what the family can actually sustain.
Review annually
We revisit your investments every year and rebalance as and when required, as income, goals, or markets shift.
Who This Is For
Built around where your family is today.
Early-career professionals
25+ year horizon. The smallest monthly SIP builds the largest compounding advantage.
Mid-career professionals
10–20 years out. A mix of continued SIP and portfolio consolidation from earlier, scattered investments.
Near-retirement families
Restructuring an existing corpus into a disciplined monthly payout structure.
Worth Avoiding
Mistakes families commonly make here.
Assuming EPF alone is enough
EPF and PPF are a strong base, but rarely cover the full monthly amount a comfortable retirement needs, especially once healthcare costs are factored in.
Starting only in the final working decade
The compounding advantage of an early SIP is difficult to replace later. A 10-year horizon requires a far larger monthly commitment than a 25-year one for the same corpus.
Leaving the corpus fully invested at retirement
A corpus built for growth needs to be restructured into a withdrawal-focused system as retirement approaches, not left exactly as it was accumulated.
Client Experiences
Families who started with a process, not a hunch.
“I was saving, but not with a goal. Vijay showed me exactly what my daughter's education would cost and set up a SIP that same week.”
Ankita
School Teacher, Jamnagar
“I kept delaying because the number felt big. Vijay broke it down into a monthly SIP I could actually manage.”
Mahesh Kumar
Business Owner, Porbandar
“We wanted our own home but the down payment felt impossible. Vijay set up a SIP and showed us exactly how to get there.”
Harsh & Nidhi M.
IT Professionals, Ahmedabad
“Retirement arrived and the anxiety came with it. Vijay restructured my corpus so a fixed amount hits my account every month.”
Bharat Dave
Retired Govt. Officer, Jamnagar
“In catering, income is irregular: some months are great, some are slow. Vijay built a structure that works with that reality.”
Keval Chovatiya
Catering Business Owner, Jamnagar
“I was saving, but not with a goal. Vijay showed me exactly what my daughter's education would cost and set up a SIP that same week.”
Ankita
School Teacher, Jamnagar
“I kept delaying because the number felt big. Vijay broke it down into a monthly SIP I could actually manage.”
Mahesh Kumar
Business Owner, Porbandar
“We wanted our own home but the down payment felt impossible. Vijay set up a SIP and showed us exactly how to get there.”
Harsh & Nidhi M.
IT Professionals, Ahmedabad
“Retirement arrived and the anxiety came with it. Vijay restructured my corpus so a fixed amount hits my account every month.”
Bharat Dave
Retired Govt. Officer, Jamnagar
“In catering, income is irregular: some months are great, some are slow. Vijay built a structure that works with that reality.”
Keval Chovatiya
Catering Business Owner, Jamnagar
“I was saving, but not with a goal. Vijay showed me exactly what my daughter's education would cost and set up a SIP that same week.”
Ankita
School Teacher, Jamnagar
“I kept delaying because the number felt big. Vijay broke it down into a monthly SIP I could actually manage.”
Mahesh Kumar
Business Owner, Porbandar
“We wanted our own home but the down payment felt impossible. Vijay set up a SIP and showed us exactly how to get there.”
Harsh & Nidhi M.
IT Professionals, Ahmedabad
“Retirement arrived and the anxiety came with it. Vijay restructured my corpus so a fixed amount hits my account every month.”
Bharat Dave
Retired Govt. Officer, Jamnagar
“In catering, income is irregular: some months are great, some are slow. Vijay built a structure that works with that reality.”
Keval Chovatiya
Catering Business Owner, Jamnagar
“I was saving, but not with a goal. Vijay showed me exactly what my daughter's education would cost and set up a SIP that same week.”
Ankita
School Teacher, Jamnagar
“I kept delaying because the number felt big. Vijay broke it down into a monthly SIP I could actually manage.”
Mahesh Kumar
Business Owner, Porbandar
“We wanted our own home but the down payment felt impossible. Vijay set up a SIP and showed us exactly how to get there.”
Harsh & Nidhi M.
IT Professionals, Ahmedabad
“Retirement arrived and the anxiety came with it. Vijay restructured my corpus so a fixed amount hits my account every month.”
Bharat Dave
Retired Govt. Officer, Jamnagar
“In catering, income is irregular: some months are great, some are slow. Vijay built a structure that works with that reality.”
Keval Chovatiya
Catering Business Owner, Jamnagar
“I was saving, but not with a goal. Vijay showed me exactly what my daughter's education would cost and set up a SIP that same week.”
Ankita
School Teacher, Jamnagar
“I kept delaying because the number felt big. Vijay broke it down into a monthly SIP I could actually manage.”
Mahesh Kumar
Business Owner, Porbandar
“We wanted our own home but the down payment felt impossible. Vijay set up a SIP and showed us exactly how to get there.”
Harsh & Nidhi M.
IT Professionals, Ahmedabad
“Retirement arrived and the anxiety came with it. Vijay restructured my corpus so a fixed amount hits my account every month.”
Bharat Dave
Retired Govt. Officer, Jamnagar
“In catering, income is irregular: some months are great, some are slow. Vijay built a structure that works with that reality.”
Keval Chovatiya
Catering Business Owner, Jamnagar
“I was saving, but not with a goal. Vijay showed me exactly what my daughter's education would cost and set up a SIP that same week.”
Ankita
School Teacher, Jamnagar
“I kept delaying because the number felt big. Vijay broke it down into a monthly SIP I could actually manage.”
Mahesh Kumar
Business Owner, Porbandar
“We wanted our own home but the down payment felt impossible. Vijay set up a SIP and showed us exactly how to get there.”
Harsh & Nidhi M.
IT Professionals, Ahmedabad
“Retirement arrived and the anxiety came with it. Vijay restructured my corpus so a fixed amount hits my account every month.”
Bharat Dave
Retired Govt. Officer, Jamnagar
“In catering, income is irregular: some months are great, some are slow. Vijay built a structure that works with that reality.”
Keval Chovatiya
Catering Business Owner, Jamnagar
“I was saving, but not with a goal. Vijay showed me exactly what my daughter's education would cost and set up a SIP that same week.”
Ankita
School Teacher, Jamnagar
“I kept delaying because the number felt big. Vijay broke it down into a monthly SIP I could actually manage.”
Mahesh Kumar
Business Owner, Porbandar
“We wanted our own home but the down payment felt impossible. Vijay set up a SIP and showed us exactly how to get there.”
Harsh & Nidhi M.
IT Professionals, Ahmedabad
“Retirement arrived and the anxiety came with it. Vijay restructured my corpus so a fixed amount hits my account every month.”
Bharat Dave
Retired Govt. Officer, Jamnagar
“In catering, income is irregular: some months are great, some are slow. Vijay built a structure that works with that reality.”
Keval Chovatiya
Catering Business Owner, Jamnagar
“I was saving, but not with a goal. Vijay showed me exactly what my daughter's education would cost and set up a SIP that same week.”
Ankita
School Teacher, Jamnagar
“I kept delaying because the number felt big. Vijay broke it down into a monthly SIP I could actually manage.”
Mahesh Kumar
Business Owner, Porbandar
“We wanted our own home but the down payment felt impossible. Vijay set up a SIP and showed us exactly how to get there.”
Harsh & Nidhi M.
IT Professionals, Ahmedabad
“Retirement arrived and the anxiety came with it. Vijay restructured my corpus so a fixed amount hits my account every month.”
Bharat Dave
Retired Govt. Officer, Jamnagar
“In catering, income is irregular: some months are great, some are slow. Vijay built a structure that works with that reality.”
Keval Chovatiya
Catering Business Owner, Jamnagar
“I was saving, but not with a goal. Vijay showed me exactly what my daughter's education would cost and set up a SIP that same week.”
Ankita
School Teacher, Jamnagar
“I kept delaying because the number felt big. Vijay broke it down into a monthly SIP I could actually manage.”
Mahesh Kumar
Business Owner, Porbandar
“We wanted our own home but the down payment felt impossible. Vijay set up a SIP and showed us exactly how to get there.”
Harsh & Nidhi M.
IT Professionals, Ahmedabad
“Retirement arrived and the anxiety came with it. Vijay restructured my corpus so a fixed amount hits my account every month.”
Bharat Dave
Retired Govt. Officer, Jamnagar
“In catering, income is irregular: some months are great, some are slow. Vijay built a structure that works with that reality.”
Keval Chovatiya
Catering Business Owner, Jamnagar
Common Questions
Frequently asked.
EPF/PPF are typically one part of the picture. We map your full retirement corpus need against what's already accumulating and close the gap accordingly.
Turn a retirement number into a monthly system.
Book a free 30-minute call. No obligation, no sales pitch, just a clear look at your goals and what it takes to get there.