Who should choose SWP?

Ideal for retirees, professionals seeking regular income, or anyone needing systematic withdrawals without fully redeeming investments.

How long will my corpus last?

That depends on withdrawal amount and fund performance. Use our calculator above to estimate sustainability.

Is SWP better than FD?

SWPs can be more tax efficient and flexible compared to fixed deposits. They also allow potential growth of remaining corpus.

Can I change withdrawal amount?

Yes, most funds allow you to modify the SWP amount and frequency after setup.

Plan Your Retirement

Start early to ensure a comfortable retirement with systematic investing...

Goal Calculator

Affordable & Flexible

Start small and adjust your investment anytime without penalties.

Power of Compounding

Regular investments grow substantially over time due to compounding.

Goal-Oriented Planning

Invest with a clear goal in mind — Education, Marriage, or Retirement.

Why planning for retirement is necessary?

Retirement today is no longer a fixed age event — life expectancy is increasing and inflation, rising healthcare costs and changing family structures mean you’ll likely spend many years without a regular income.Without a strong retirement plan you risk outliving your savings, becoming financially dependent on your children, or having to cut down your lifestyle.Starting early gives you the power of compounding, more flexibility to absorb shocks (health, inflation, market downturns) and more control over your financial future.

How to plan for your retirement?

1. Define your retirement vision and age :

At what age do you want to retire? What lifestyle do you want post-retirement? This helps set your time horizon.

2. Estimate your retirement corpus:

Take your current monthly expenses, inflate them to future years, factor in healthcare, travel, taxes and other costs. This gives you the target corpus.

3. Save and invest systematically:

Start early, allocate part of your income regularly into investments (equities, mutual funds, pension plans) so that compounding works to your benefit.

4. Manage risk and review periodically:

As you approach retirement, shift the portfolio toward safer assets, keep an emergency fund for unexpected costs (healthcare, home repair), and review the plan annually.

Frequently Asked Questions

When should I start planning for retirement?

As early as possible — ideally when you start earning. The longer your horizon, the smaller your monthly savings needed and the better your compounding.

How much should I save for retirement?

That depends on your expenses, lifestyle, age of retirement and inflation. A common rule is to build a corpus that can support 70-80% of your pre-retirement income, adjusted for inflation.

What if I’m late in starting?

You’ll need to save a larger monthly amount, accept a potentially simpler lifestyle or work a few more years. But even then, starting late is better than not starting.

How do I protect my retirement savings against inflation and healthcare costs?

Use a diversified portfolio, include investments that can beat inflation, maintain a health cover early, keep liquid funds for emergencies and review your corpus periodically.