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Why plan now: a retirement plan builds a guaranteed income for your later years, so you stay financially independent and never rely on anyone. The earlier you start, the less you need to save each month.
3 quick tips before your call
1
Start early — compounding does the heavy lifting. Money invested in your 30s grows far more than the same amount started in your 40s.
Example: Rs 10,000/month from age 30 can grow to ~Rs 2.3 crore by 60 (at ~10%), but starting at 40 gives only ~Rs 76 lakh — same monthly amount, less than a third the corpus.
2
Aim for a corpus of ~25–30× your annual expenses. A common rule is to build enough that a ~4% yearly withdrawal covers your costs — and factor in inflation, since what Rs 50,000 buys today will cost far more in 25 years.
3
Pick the right plan for guaranteed income. A Pension/Annuity plan pays a fixed income for life, while a Guaranteed Return plan builds a lump-sum corpus — many people use a mix. Also add a nominee and keep it separate from your emergency fund.
