Retirement Planning in India: build an income roadmap

A goal-based retirement planning framework covering expenses, inflation, longevity and income sources.

Retirement planning is not only about building a corpus. The real question is how your assets can support sustainable income after employment income stops.

Estimate today's retirement expenses, remove expenses that may disappear, add likely healthcare and lifestyle costs, and project the total to the retirement date.

Then map expected income sources and assets. The gap between projected expenses and reliable income is the part your investment plan needs to address.

Revisit assumptions at least annually because inflation, returns, retirement age and family responsibilities can change.