Wealth Farming Advisory

Investments · Retirement

Working back from the day you stop

The number is bigger than people expect

Two things compound at once: your expenses rise for the twenty-five years before you retire, and they keep rising for the twenty-five after. That is why the figure surprises people.

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Corpus worked from your expenses NPS alongside equity

How it works

Four steps

  1. Size the corpus

    From what you actually spend now, inflated to your retirement date and through it. The retirement calculator does this properly, including the fact that the corpus keeps earning while you draw on it.

  2. Net off what you have

    EPF, existing NPS, PPF, property you would downsize. This often reduces the monthly requirement substantially, and no calculator on a website knows about it.

  3. Build it

    Mostly equity while the horizon is long, stepping down as it shortens. A step-up SIP that rises with your income does most of the work without an annual decision.

  4. Draw from it

    An SWP converts the corpus into a monthly income while the balance stays invested — usually more tax-efficient than an annuity, though an annuity buys certainty an SWP cannot.

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NPS

Where it fits

NPS is low-cost and disciplined, and the discipline is the point — you cannot casually withdraw it. At retirement a portion must be used to buy an annuity, which caps your flexibility and produces income taxed at your slab rate.

It works well as one component alongside equity mutual funds rather than as the whole plan. Note also that the tax deductions associated with NPS sit under the old regime for the most part — worth checking which regime you are on with our regime calculator before treating that as a benefit.

FAQ

Questions people actually ask

When should I start?

Now is the honest answer, because compounding needs time more than it needs money. Someone starting at 30 needs a fraction of the monthly amount that someone starting at 45 does for the same corpus.

Is my EPF enough?

For most people, no. EPF is a solid, low-risk base, but its return sits close to inflation over long periods, which means it preserves purchasing power rather than growing it. It is a floor, not a plan.

How long should I plan for?

To 85 at least. Running out of money at 82 is a far worse mistake than saving slightly too much, and life expectancy at 60 in India is well past 80 and rising.

Should I stay in equity after retiring?

Partly, usually. A twenty-five-year retirement is a long horizon and an all-debt portfolio loses to inflation over it. The mix should shift towards debt, not all the way to it.

Find your number

Then bring your EPF and NPS balances and we will net them off properly.

Start a retirement SIP Call +91 88067 78771

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