Retirement Readiness Discovery Call

Who this is for

You have been investing steadily for years through EPF, mutual funds, perhaps NPS and property, and on paper it looks reasonable. But you have never tested whether it adds up to the retirement you have in mind, and you are not sure how you would even begin. You are somewhere between five and twenty years from stopping work. You manage your own money and intend to keep doing so. You want the method, not a manager.

What we cover

How a retirement number is actually calculated, and why the figure most people carry in their head is either far too high or far too low. What a withdrawal rate is, why 4% is a poor default for Indian conditions over a thirty-five year horizon, and how to arrive at a rate you can defend. How inflation quietly does more damage than fund selection ever will. Why sequence of returns — the order your returns arrive in, not their average — is the risk that actually breaks retirements, and how that changes what you hold in the years either side of stopping work. Where the structural gaps usually sit in an otherwise sensible portfolio, and what people consistently leave out of their expense estimates.

I teach this using my own numbers. I ran this exercise on my own household before making a significant change to how I earn, and I'll show you the arithmetic as I worked it, including the parts I got wrong first time.

You leave with a method you can run yourself the same evening.

What you won't get

No review of your portfolio or holdings. No written plan. No allocation percentages for your circumstances. No fund or scheme selection. I won't ask for your financial details.

Educational only. I am not a SEBI Registered Investment Adviser, and this is not investment advice or financial planning. No portfolio review, no product recommendations, no commissions.