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AMFI-registered MFD · ARN-286779

Retirement income planning

A monthly income that keeps pace with prices.

Your FD pays the same every year while prices keep rising. We turn your savings into an income that rises too, with your next three years kept safe outside the market.

Book a review callTry the calculator
Your monthly incomeOn ₹1 crore

₹72,000 a month

From year 3, then 7% more every year

GrowingFrom an FD, it stops in year 14
In year 3
₹ 72,000
In year 20
₹ 2.27 lakh
From an FD
Stops, year 14

The problem

Why your FD quietly falls behind.

Nothing goes wrong with an FD. It just stands still while prices rise.

You’re taxed on all of it

FD interest is taxed at your slab rate every year, spent or not. At 30%, a 7% FD pays you 4.9%.

Your income stays flat. Prices don’t.

At 6% inflation, prices more than double in fifteen years. A flat income buys less than half as much.

Your rate can fall at renewal

An FD renews at that day’s rate. When rates fall, so does your income.

How the plan works

A bad year never forces you to sell.

Your income is paid from money kept outside the market. The rest is invested, and tops it up in good years.

Bucket one

Your next three years

In an FD or SCSS. Pays your monthly income. Never touches the market.

Bucket two

Everything else

Invested in funds chosen for you. Refills bucket one in good years, waits in bad ones.

Reviewed every year

Free SWP calculator

How much can you draw?

What you can draw every month, rising every year, and what you leave at the end.

Your plan

₹ 1 crore

Returns used

The actual past monthly returns of our model portfolio: four equity funds and two debt funds, held 50:50, over a 10-year window repeated across your timeline. Past performance may or may not be sustained in future.

Tax and FD assumptionsShow

Your result

Start at ₹ 72,000 a month from year 3, rising 7% a year, and still leave ₹ 29.8 crore after 50 years.

First monthly withdrawal
₹ 72,000
Last monthly withdrawal
₹ 17.3 lakh
Left at the end
₹ 29.8 crore
The plan compared with the same withdrawals from an FD
Over 50 yearsThe planSame from an FD
Total withdrawn₹ 30.5 crore₹ 1.51 crore
Tax paid₹ 3.78 crore₹ 21.9 lakh
In hand after tax₹ 26.7 crore₹ 1.51 crore
Left at the end₹ 29.8 crore₹ 0

The same withdrawals from an FD at 7%, taxed at 30%, run out in year 14.

The plan draws the most it can each month while what is left still grows at 7% a year. Based on the past monthly returns of our model portfolio, repeated over the timeline. Past performance may or may not be sustained in future and is not a guide to future returns. Markets can do worse than they did in that window.

Withdrawals come out of every fund in proportion to its share. Tax is on the gain in each withdrawal, at 20% for equity in the first 12 months, 12.5% after, and 30% for debt funds; FD interest at 30%. The yearly equity-gains exemption, cess and surcharge are not included.

Want us to check these numbers?

Leave your details and we will get in touch to set up a 20-minute review call. No product is named, and there is nothing to sign.

Or pick a time yourself

Used only to reply to you. Never sold or shared.

Already know what you want each month? See how long it lasts in our SWP calculator

Still saving for retirement? Find out how much you’ll need

Funds that often come up:Conservative hybrid fundsBalanced advantage fundsLiquid funds

Honestly

When an FD is right for you.

Sometimes it is, and we’ll tell you so in the review.

  • Money you’ll need in the next three years.
  • Your emergency buffer, which should never depend on markets.
  • If any fall in value would cost you sleep. Then the FD is your plan.

Next

After the calculator, here’s what happens.

  1. 1

    Book a review call

    Twenty minutes on your numbers. Nothing is sold.

  2. 2

    Get your one-page plan

    What to do, and why, explained to you in person.

  3. 3

    Invest with confidence

    In your own name, after a suitability check, and reviewed with you every year.

You start with your numbers, not a product. The plan is where we earn your business.

Client situations

Situations like yours, and how the plan came together.

Illustrations drawn from the situations we work with. No names, and no returns.

Retirement Income · An illustration

Retired, with everything in FDs

A retired schoolteacher, 64, near Guntur

Savings of a little under a crore, almost all in FDs, renewed each year at whatever the bank offered. The interest no longer covered the household’s expenses, and each renewal paid a little less.

Now: One monthly amount, written down, that rises each April. A review every year, with her son on the call.

Retirement income calculator

Retirement Income · An illustration

Retiring in two years, a lump sum coming

A bank officer, 58, in Vijayawada

Gratuity, PF and leave encashment due at retirement, adding up to more than he had ever held at once. Several people already had a product ready for it.

Now: When the money arrived, it went where the plan said within the week. The first monthly withdrawal started the month after.

Retirement calculator
What they asked, and what each plan set out

FAQs

Your questions about retirement income.

My FD is guaranteed. Is this safe?
An FD’s income is fixed; a mutual fund’s value is not, and in some years it will fall. That is why three years of withdrawals stay in an FD or the Senior Citizens’ Savings Scheme, outside the market. In a bad year you draw from that, and the funds are left alone to recover.
How are the withdrawals taxed?
A systematic withdrawal is partly your own capital coming back and partly gain. Only the gain is taxed, as capital gains, at rates that depend on the type of fund and how long it was held. FD interest is taxed in full at your slab rate. We go through the numbers with your CA.
What is the Senior Citizens’ Savings Scheme?
A government-backed savings scheme for people aged 60 and over, and some who retire earlier, that pays interest every quarter. It has a deposit limit per person, and the government resets its rate each quarter.
What returns does the planner use?
The actual past monthly returns of our model portfolio: four equity funds and two debt funds, held 50:50, over a 10-year window repeated across your timeline. Past performance may or may not be sustained in future, and markets can do worse than they did in that window. In the review we test the plan at lower returns too.
Can the income start straight away?
Yes: set the years with no withdrawal to zero. Leaving the money alone for a year or two first lets it grow, which raises the income the plan can sustain. Either way, the early years’ income is paid from money kept outside the market.
How much monthly income can ₹50 lakh give?
It depends on how fast you want the income to rise and for how long. As one example, on our model portfolio’s past returns, ₹30,000 a month from ₹50 lakh, raised 5% every year, lasted all 25 years with money left over; the same withdrawals from a 7% FD ran out in year 15. Past performance may or may not be sustained in future. The calculator above works it out on your numbers.
Where should I put gratuity and PF money after retirement?
Not straight into a product. Keep it somewhere safe and reachable for the first few weeks, work out the monthly top-up you need over your pension, then set aside three years of it in an FD or the Senior Citizens’ Savings Scheme and invest the rest for later years.
Can I hold the Senior Citizens’ Savings Scheme and an SWP together?
Yes, and many retirees do. The scheme, which pays interest every quarter, suits the money for the next few years; an SWP from funds suits the years after that, and can top the safe part back up in good years.
Is ₹1 crore enough to retire?
It depends on what you spend, when you retire, and whether you have a pension. ₹50,000 a month today is over ₹2 lakh a month in 25 years at 6% inflation. The retirement calculator shows the amount you would need on your own numbers.

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
Book a review call

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