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AMFI-registered MFD · ARN-286779

Retirement readiness check

Are you ready to retire? Two minutes to find out.

Nine quick questions on the basics a retirement plan rests on. See your score, and the three gaps to close first.

Question 1 of 9
Where are you today?

Nine quick questions, two minutes. Nothing is stored unless you send it to us.

General information, not advice or a risk profile. Nothing you tap is stored unless you send it.

What it checks

Eight basics, and why each matters.

  1. Knowing what you spend

    Every number in a retirement plan starts from what you spend. Guess it wrong and everything after it is wrong too.

  2. How much is saved

    Years of expenses saved is a rough yardstick, judged against how far you are from retiring: what’s fine at 40 is short at 58.

  3. Where it sits

    Money all in deposits falls behind prices over a long retirement; money all in shares can fall just when you need it.

  4. The next three years

    Keeping the next three years out of the market means a bad year never forces you to sell at a low.

  5. An emergency fund

    A buffer you can reach in days keeps surprises from landing on your retirement savings.

  6. Health cover

    Hospital bills are the commonest way a plan breaks, and cover from work usually ends with the job.

  7. A plan for monthly income

    Savings aren’t an income until you know how much they can pay each month, rising with prices, and for how long.

  8. A yearly look

    Plans drift as markets and lives move. A yearly look puts them back.

FAQs

Your questions about the check.

Mutual Fund investments are subject to market risks, read all scheme related documents carefully.

What is a retirement readiness check?
A quick look at the basics a retirement plan rests on: knowing what you spend, how much is saved for your stage of life, where it sits, a buffer for emergencies and health, and a plan for turning savings into a monthly income. It shows the gaps, not a forecast.
How is the score worked out?
Each answer earns points, some judged against your stage of life (years of expenses saved, and the mix of deposits and shares). The score is your points as a share of the most you could have scored, out of 100. The three areas with the lowest share are where to start.
Is this advice?
No. It is general information on the basics, not a recommendation or a risk profile. What suits you depends on your full position, which we go through in a conversation, with a suitability check before anything is invested.
Is what I enter stored?
No. The quiz runs in your browser. Nothing is sent unless you choose to send your answers to us with the form at the end.

Then put numbers on it

Your next question, worked out on your numbers.

RetirementHow much do I need to retire?From your expenses today to the amount you need, and what to save each month.Find out GoalsWhat will my goal cost?A goal’s cost when you need it, and the monthly amount that gets you there.Find out SIPWhat will my SIP grow to?A monthly amount, with an optional yearly increase, next to a recurring deposit.Find out SWPHow long will my withdrawal last?A monthly income from your funds: how long it lasts, the tax, what is left.Find out Retirement incomeHow much can I draw each month?The most your savings can pay you every month, rising every year.Find out Business cashWhat is my idle cash earning?Your company’s cash held as margin, and how much isn’t needed for 90 days.Find out

Your next step

Know your money will do what you need it to.

  • Twenty minutes, on your own numbers
  • Online or in person
  • Nothing sold
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