Retirement Planning Advisor in India

What Does a Retirement Planning Advisor do?

Retirement planning advisory is a structured financial service where a SEBI-registered advisor helps you calculate how much corpus you need to retire comfortably, designs an investment strategy to build that corpus over your working years, and builds a withdrawal and income plan for the years after work ends.

In India, someone retiring at 60 today can expect to need 25 to 30 years of financial independence – accounting for rising healthcare costs, general inflation and the growing cost of the lifestyle they have built. A retirement plan that was right at 45 may need significant revision at 50, and again at 55. A structured advisory process reviews these assumptions regularly and adjusts accordingly.

Moneyvesta is a fee-only retirement planning advisor in India. We serve working professionals, dual-income families, NRIs planning to return, and senior executives managing EPF, NPS and ESOP holdings as part of a retirement portfolio.

SEBI-Registered Investment Advisor Registration No. INA000018407 Fee-Only Advisory 514 B Unitech Arcadia, South City II, Gurgaon

Build My Retirement Plan

Why Retirement Planning in India Is More Complex Than Most People Expect?

Most professionals work hard for decades but still worry about one question:

Will I Have Enough?

The Uncertainty Comes From:

Seven Common Concerns

Not knowing how much retirement will actually cost
Not knowing how long the money needs to last
Not having a clear retirement corpus target
Scattered investments without a long term structure
Inability to visualise life after work
Confusion around EPF, NPS, mutual funds and pensions
Worrying about medical and lifestyle expenses in later years

The Retirement Promise

You work hard for stability. Your retirement plan should give it back to you.

A Strong Retirement Plan

Gives you clarity, confidence and control over the years ahead.

Clarity On How Much You Actually Need

Confidence That Your Money Will Last

A Strategy to Grow and Protect Your Corpus

Peace of Mind That You Are Not Under Saving or Over Saving

Visibility On Your Post Retirement Income

A Plan that Adjusts As Life Changes

At Retirement

The Corpus You Need

Before Retirement

The Monthly Savings Required

Why the Numbers Change

Two numbers drive every retirement plan: the corpus you need at retirement, and the monthly savings required to reach it. Both depend on assumptions about inflation, investment returns, healthcare costs and how long the corpus must last. A change in any one of these inputs, such as inflation moving from 6% to 8%, or a retirement age shifting from 60 to 58, can change the required corpus by crore-level amounts.

The calculators below give you a starting estimate. A structured advisory then replaces the assumptions with inputs specific to your household: your current expenses, your planned lifestyle in retirement, your healthcare exposure and your existing asset base.

Illustrative Retirement Scenarios

Five calculations that materially change the retirement plan.

Assumptions used in these illustrations: 6% general inflation per year, 7% nominal post-retirement portfolio return, a conservative 60:40 equity-debt mix, a 25-year post-retirement planning horizon, retirement at 60 with planning until 85, and 10% annual healthcare inflation. These are illustrative starting points. Your actual calculation will differ based on your household’s specific inputs.

At a 7% return and 6% inflation, the effective real return on a post-retirement portfolio is approximately 1% per year. Over a 25-year post-retirement period, a corpus can sustain annual withdrawals equal to approximately 22 times the annual expense amount at the time of retirement. This is the “22x multiple” used as a planning reference below.

If you want a retirement lifestyle worth Rs 1 lakh per month in today’s purchasing power:

Years to Retirement	Monthly Expenses at Retirement, at 6% Inflation	Annual Expenses at Retirement	Corpus Needed, 22x Annual Expenses
10 years	Rs 1.79 lakh/month	Rs 21.5 lakh/year	Rs 4.7 crore
15 years	Rs 2.40 lakh/month	Rs 28.8 lakh/year	Rs 6.3 crore
20 years	Rs 3.21 lakh/month	Rs 38.5 lakh/year	Rs 8.5 crore
25 years	Rs 4.29 lakh/month	Rs 51.5 lakh/year	Rs 11.3 crore

These estimates cover living expenses only. A separate healthcare buffer, discussed below, may add Rs 50 lakh to Rs 1 crore to the total, depending on age at retirement and existing health conditions.

Moneyvesta uses your actual income, expenses, existing assets and goals, rather than these illustrative inputs, to calculate your personalised retirement target.

Assumption: 12% annual return on equity-oriented investments, based on an approximate long-run Nifty 50 CAGR. Actual returns will vary. Target corpus: Rs 8.5 crore, based on a Rs 1 lakh monthly lifestyle, a Rs 1 crore healthcare buffer and 20 years until retirement.

Time Horizon	Monthly SIP Required	Total Amount Invested	Corpus Built	What Compounding Does
20 years	Rs 86,000/month	Rs 2.07 crore	Rs 8.5 crore	Compounding contributes Rs 6.4 crore, or 76%
15 years	Rs 1.7 lakh/month	Rs 2.56 crore	Rs 8.5 crore	Compounding contributes Rs 5.9 crore, or 70%
10 years	Rs 3.7 lakh/month	Rs 3.55 crore	Rs 8.5 crore	Compounding contributes Rs 4.9 crore, or 58%

SIP figures are computed using the standard future value of annuity formula: FV = PMT × [(1+r)ⁿ − 1] / r, where r = 1% per month and n = the number of months until retirement.

Waiting 5 years, from a 20-year horizon to a 15-year horizon, increases the required monthly SIP by approximately 65%. Waiting 10 years nearly triples it. The corpus target does not change. What changes is how much compounding can do on your behalf.

Moneyvesta uses your actual income, existing investments and goals to calculate your precise monthly investment requirement, rather than relying on an industry-average estimate.

Assumptions: General living expenses inflate at 6% per year. Healthcare costs inflate at 10% per year, reflecting medical inflation trends in India. The illustrative monthly healthcare budget in retirement is Rs 30,000 per month, covering consultations, regular medications and annual check-ups. Corpus difference assumes retirement in 10 years, a 30-year retirement horizon, and a 12% annualised portfolio return during accumulation and withdrawal.

Expense Comparison	Today, Baseline	In 10 Years	In 20 Years	In 30 Years
Healthcare expense at 10% inflation	Rs 30,000/month	Rs 77,812/month	Rs 2,01,825/month	Rs 5,23,482/month
Same amount at 6% inflation, using the wrong assumption	Rs 30,000/month	Rs 53,726/month	Rs 96,214/month	Rs 1,72,304/month
Corpus impact of using the wrong inflation rate over 30 years				Rs 1.08 crore difference in required corpus

A retirement plan that applies the same 6% inflation rate to healthcare costs as it does to general living expenses will systematically underestimate total corpus requirements. By the time you are 75 to 80, healthcare costs may represent 30% to 40% of total monthly expenditure, while inflating at nearly double the general rate.

A well-constructed retirement plan separates the healthcare budget from the living expenses budget and escalates each at the rate relevant to that category.

Moneyvesta builds separate inflation tracks for living expenses, healthcare and lifestyle goals in every retirement plan.

Assumptions for this illustration: A professional earns Rs 80,000 per month as basic salary, contributes to EPF for 25 years and invests Rs 5,000 per month in NPS for 20 years. The EPF interest rate is 8.15% per year and the assumed NPS return is 10% per year. Actual outcomes depend on salary growth, contribution history and fund performance.

Source	Monthly Contribution	Duration	Estimated Corpus at Retirement
EPF, employee 12% plus employer 3.67% of basic salary	Rs 12,536/month	25 years at 8.15%	Approx Rs 1.1 crore
NPS, voluntary contribution	Rs 5,000/month	20 years at 10%	Approx Rs 38 lakh
EPF and NPS Combined			Approx Rs 1.5 crore

EPF corpus calculation: Annual contribution of Rs 1,50,432 at 8.15% over 25 years = Rs 1,50,432 × [(1.0815)²⁵ − 1] / 0.0815 ≈ Rs 1.1 crore. NPS corpus: Rs 60,000 per year at 10% over 20 years = Rs 60,000 × [(1.10)²⁰ − 1] / 0.10 ≈ Rs 38 lakh.

If the same professional needs Rs 6.3 crore to retire comfortably, based on a Rs 1 lakh monthly lifestyle and 15 years until retirement, EPF and NPS combined cover approximately Rs 1.5 crore of the target. The remaining Rs 4.8 crore must come from equity mutual funds, direct equity, real estate or other savings vehicles.

Most working professionals who have not mapped this gap systematically may be on track to retire with only 25% to 35% of what they actually need. EPF and NPS are valuable and tax-efficient, but they are not a complete retirement strategy on their own.

Moneyvesta integrates EPF, NPS and all existing assets into a single retirement plan and calculates the residual gap that needs to be funded through active investment.

Assumption: Rs 50 lakh corpus at retirement, a 4% annual withdrawal rate and 6% general inflation. The 4% withdrawal rate is used internationally as a starting reference, although India-specific real return conditions may require a lower withdrawal rate over long retirement horizons.

Year in Retirement	Annual Withdrawal	Monthly Withdrawal	Purchasing Power in Today’s Money
Year 1, Age 61	Rs 2 lakh	Rs 16,667/month	Rs 16,667
Year 10, Age 70	Rs 2 lakh	Rs 16,667/month	Rs 9,305 in today’s money
Year 20, Age 80	Rs 2 lakh	Rs 16,667/month	Rs 5,197 in today’s money

Purchasing power calculation: Today’s equivalent = Nominal amount / (1.06)ⁿ, where n is the number of years into retirement.

A Rs 50 lakh corpus with a fixed withdrawal feels like Rs 16,667 per month at age 61. By age 80, the same withdrawal has the purchasing power of Rs 5,197 in today’s money, not because the corpus has necessarily been exhausted, but because inflation has eroded its value by 69%.

A retirement plan cannot simply target a corpus size and leave it there. The withdrawal strategy, inflation-adjusted increases, asset allocation in retirement, bucket planning and healthcare reserves determine whether the corpus lasts comfortably for 25 years or becomes strained by the mid-70s.

Moneyvesta designs a post-retirement income structure, not only a corpus target, to help the plan hold through all phases of retirement.

Working Professionals in their 30s, 40s and 50s

Individuals with rising incomes but unclear long-term strategy

Dual Income Families

Senior Executives with EPF, NPS and ESOPs

NRIs planning to return to India

Professionals with ageing parents and upcoming responsibilities

Individuals unsure about how much they actually need for retirement

Life and Lifestyle Discovery

We begin by understanding the lifestyle you want your retirement to support.

Travel plans and hobbies
Healthcare needs
Home and relocation plans
Family responsibilities
Preferred living standards

Retirement Corpus Calculation

We calculate your retirement number using the inputs that shape your household’s future expenses.

Current household expenses
Lifestyle and healthcare inflation
Longevity assumptions
Future responsibilities and planned goals

This gives you a clear and measurable target.

EPF, NPS and Existing Investments Review

We analyse how your current assets contribute to the retirement goal, including EPF, NPS, mutual funds, direct equity, deposits, insurance-linked products and other investments.

This helps avoid duplication and shows the gap that still needs to be funded.

Investment Strategy for Retirement

Your retirement portfolio is structured using a suitable mix of:

Long-term compounding assets
Stability-focused investments
Inflation-beating components
Lower-volatility income sources

The goal is to grow the corpus while keeping the future retirement income requirement in view.

SIP and Contribution Planning

We calculate how much you may need to invest through regular and variable income.

Monthly SIPs
Annual investments
Bonuses and incentives
ESOP proceeds and other irregular cash flows

Post-Retirement Income Strategy

We design how the accumulated corpus may support your income once regular employment stops.

Systematic withdrawal planning
Annuity requirements
Safety buckets
Medical reserves
Liquidity planning

The focus is on helping the money support the full retirement period, not only the first few years.

Annual Review and Adjustments

Life changes, market cycles shift and assumptions evolve. Your retirement plan is reviewed periodically so the target, contribution strategy and asset allocation can remain relevant.

Your Retirement Corpus Target

Monthly and Annual Savings Plan

EPF and NPS Utilisation Strategy

Mutual Fund and Asset Allocation Plan

Inflation and Lifestyle Modelling

Medical and Emergency Planning

Post Retirement Income Design

Annual Reviews and Progress Tracking

The Real Change

Retirement stops feeling like an uncertain future and becomes a plan you can measure, fund and review.

Know Your Number

You know how much you need and what your current investments are expected to contribute.

Understand How Long It Can Last

You can see how inflation, withdrawals and changing expenses may affect your retirement income.

Structure Growth and Protection

Your portfolio is aligned with the need to grow before retirement and support withdrawals after it.

Make Decisions With Clarity

You can respond to career, family and market changes through a plan rather than through fear.

Take the Next Step

The best time to plan your retirement was yesterday. The second-best time is now.

Plan My Retirement

Frequently Asked Questions About Retirement Planning Advisory

What is retirement planning advisory?

It is professional guidance that helps you plan how to accumulate, preserve, and withdraw money across your retirement years with clarity and discipline.

Is Moneyvesta a SEBI registered retirement advisor?

Yes. Moneyvesta Capital Services Private Limited is a SEBI Registered Investment Advisor with RIA number INA000018407.

How is this different from pension plans or insurance?

Those are products. We provide independent, research-based retirement planning advice that helps you decide what truly fits your goals.

When should I start planning for retirement?

The earlier you start, the more control you gain. We advise starting at least 10 to 15 years before desired retirement age.

Do you advise retirees as well?

Yes. We guide both pre retirement accumulation and post retirement income optimization.

How often should I review my retirement plan?

We review annually or when life events or markets shift your financial position.

Does Moneyvesta offer retirement planning advisory solutions for investors across India’s metro cities like Gurgaon, Delhi, Mumbai, Bangalore, Hyderabad, and Kolkata?

We advise clients pan-India through online meetings on retirement planning. Our technology-enabled platform lets investors in Gurgaon, Delhi, Mumbai, Bangalore, Hyderabad, Kolkata, and other cities access the same expert retirement guidance without visiting our office. You get personalized retirement planning, portfolio analysis, and strategy updates – all delivered virtually with the same rigor and depth as an in-person engagement.

Who benefits most from retirement planning advisory?

Professionals, entrepreneurs, and families who want confidence that their wealth will support a secure, independent future.

Can you help with tax efficient withdrawals?

Yes. Our plan includes tax optimized withdrawal strategies for steady income and lower risk.