Corpus Target Calculation
We project your retirement-day expenses, factor in inflation and longevity, and arrive at a real corpus target — not a generic "₹2 crore is enough" number.
Retirement is not one event — it is potentially 25–30 years of life that must be funded without an active income. Getting it right means starting early, projecting accurately, and using the right mix of growth and stability across decades. Most retirement disappointments come from underestimating expenses, ignoring inflation, or relying on a single product. A real plan accounts for all three.
We project your future expenses, layer in inflation and lifestyle changes, factor in healthcare needs, and design a corpus target that supports the retirement you actually want. The strategy combines equity growth in earlier years, gradual de-risking near retirement, and a structured income stream — pension, annuity, SWP, dividends — once you stop earning.
Core features and capabilities that make this a smart choice for the right investor.
We project your retirement-day expenses, factor in inflation and longevity, and arrive at a real corpus target — not a generic "₹2 crore is enough" number.
A ₹50,000 monthly lifestyle today needs ~₹1.6 lakh in 25 years at 5% inflation. We plan for the real number, not today's.
High equity in early years for growth, systematic shift to debt as retirement nears — protecting the corpus from a poorly-timed crash near retirement.
Retirement medical expenses dwarf working-year medical bills. We build in dedicated health corpus and adequate senior-citizen health insurance.
Combines pension, NPS annuity, SWP from mutual funds, dividend income, and FD interest — diversified income reduces dependency on any single source.
We model joint-life expenses, spousal income continuation, and dependent support — so retirement security extends to the whole family.
Real reasons our clients choose this and stay invested for the long term.
We model best-case, base-case, and stress-case scenarios — so you understand range of outcomes, not just averaged hope.
A structured drawdown across NPS, mutual funds, and bank balances minimizes lifetime tax — important when retirement spans 25+ years.
A bad market in the first few years of retirement is catastrophic. Our glidepath and reserve buckets mitigate this risk substantially.
Plans evolve as income changes, kids grow up, EMIs end, business situations change — every review tunes the path.
Indians live longer than retirement plans usually assume. We plan for age 90+, not 75 — making running-out-of-money far less likely.
A clear plan eliminates the underlying anxiety of "will my money last?" — the most common stress retirees report.
Discover the rest of our investment and wealth-building solutions.
Professionally managed, diversified growth
Disciplined monthly investing
Stable returns, predictable growth
Insurance + investment in one plan
Save tax, grow wealth — together
Speak with an InsureWise advisor for a personalized plan — free, transparent, and tailored to your goals.