SERVICES · RETIREMENT ROADMAP
Financial security is the essence of a happy retired life
Investing for retirement is itself a life-long process. When the first salary arrives we focus on career and family — and in between the two, retirement gets ignored because we think it is too early.
“It is never too early or too late to start investing for retirement.”
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Pre- and post-retirement investing approach
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Two scheduled reviews a year
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Response within 48 hours
THE DEFINITION
What is Retirement Investing?
Retirement investing means building and managing investments to support the life you want after you stop working. It helps you work towards your desired lifestyle and financial independence.
The process considers your goals and objectives, your age, risk appetite, inflation, estimated expenses and life span.
A disciplined, regularly reviewed approach can make this task easier. An AMFI-registered distributor can help you invest for retirement with a process.
Retirement-focused investing: why it matters
Retirement-focused investing links your investments to your retirement goals, risk profile and lifestyle goals, and reviews them regularly.
Investments
Risk profiling
Asset allocation
Rebalancing
Goal timelines
Lifestyle goals
WHY YOU NEED IT
Unplanned situations you have to be ready for
Your life expectancy turns out longer than you had planned
Unexpected medical expenses and other emergencies
You have to retire earlier than you planned
You end up depending on your children after retirement
Your savings cannot beat inflation
You still have duties to fulfil for your family after retirement
WHY IT IS IMPORTANT
Just imagine — are you prepared?
Sudden health issues that require constant care and force you to retire early
You lose your job to an unexpected situation, as thousands did during the corona crisis
Someone in your family needs your support and you give up your job to care for them
An accident affects your ability to carry out regular duties and forces you to retire
Occupational burnout becomes a serious threat and forces you to retire
A disciplined investment approach, reviewed regularly, helps you be better prepared for what lies ahead after retirement and what to do before it.
THE QUIZ
Think you don’t need to invest for retirement? Take this quiz
If you can answer all six with confidence, you are well prepared. If you are unsure about three or more, it is the right time to start the conversation.
01
How much money do you need per month, or per year, when you retire?
02
What kind of investment strategy do you need to achieve that retirement income?
03
Do you know how much of your investments should stay in liquid options to meet near-term needs?
04
Do you know how to analyze your existing portfolio after retirement, and the most effective way to do it?
05
Do you know how your investment mix should change as you approach and enter retirement?
06
Do you know how your investments are taxed, and have you spoken to a tax professional about your retirement years?
WHAT YOU GET
Nine parts of our retirement investing approach
Our approach addresses these questions through disciplined investing. This is what the service covers.
Retirement goals and timeline
Investment needs and horizon
Risk profiling, including a check that an emergency reserve and insurance are in place
Review of your existing investments
Investment strategy
Asset allocation across equity, debt, gold and silver
Inflation-adjusted retirement goal target
Regular income from investments, for example through a systematic withdrawal plan (SWP)
Tax awareness: how your investments are taxed
Planning for the retirement corpus
Cash-flow planning for the post-retirement stage
RETIREMENT WEALTH
Building and preserving assets
Retirement wealth is not only about accumulating assets, but about investing so that they can last through your retirement — a careful combination of investment strategy, risk profiling and regular portfolio reviews.
Simply saving money is not enough. Your investments can be structured to help address inflation, market fluctuations and unforeseen expenses, while keeping enough liquidity for short-term needs.
Diversifying across equity, debt, gold, silver and, for eligible investors, alternative investments can help reduce the impact of volatility on the portfolio.
WHAT MAKES IT SPECIAL
Beyond the standard process, we help you build
A well-structured pre-retirement and post-retirement investment approach
Risk profiling that checks the basics are in place before long-term equity investing
Your investments, goals and risk profile summarized in one report
Illustrative scenarios for your goals, discussed until you are comfortable with one. Illustrations only.
Concentrated effort on reducing tax
Scheduled discussions with our team on your investment queries
A step-by-step guide file with stipulated time for all executions
Two scheduled reviews in a year
ADDITIONAL BENEFITS
Support while you execute
We assist you in implementing the investment approach, handholding you through documentation and preparing asset performance reports.
Additional reviews when the situation demands.
Accessible and responsive within 48 hours
Periodic reviewing and rebalancing of investment allocation
Newsletters circulated periodically
Scheduled progress-review discussions with a Director of the firm every year
An exclusive webinar with financial experts every month
A retirement goal tracker to visualise and track your progress
An asset allocation approach aligned to your retirement goal and risk profile
HOW IT HELPS
Our approach is built around the corpus your retirement goal calls for
Work towards financial independence
Link your investments to your financial and retirement goals
Stay aware of how your returns are taxed after retirement
Build the habit of regular investing
Build inflation into your targets
Work towards your desired retirement life
Aim for a sustainable post-retirement income without compromising comfort
Strategically align your portfolio to long-term retirement objectives
MAGICAL THINKING
Top 5 reasons people fall into the trap of not investing for retirement
People consciously believe retirement planning is necessary — but some inner thoughts lead them into an unplanned retirement.
REASON 01
“My children will take care of me after retirement”
Times are changing — people prefer nuclear families now, and your children carry their own responsibilities: their kids’ education, healthcare, their own retirement planning.
Relying solely on children may limit your independence and financial flexibility in retirement.
REASON 02
“I’ll inherit enough money”
Relying on inheritance is risky for three reasons:
The market value of inherited property may depreciate over time
Additional liability of repair and maintenance
Property that must be distributed can lead to unending disputes at the court level
REASON 03
“I’ll save once I have enough”
It is never going to be enough. Saving requires discipline and a real lifestyle adjustment — and a small saving now has a bigger impact than a large one years later.
Early, consistent savings amplify the snowball effect and the power of compounding works like magic.
REASON 04
“I think it’s too late now”
It is never too late. You may realize the importance close to retirement age, or already be retired — but not planning the upcoming years is still an expensive deal in the long run.
Even late starters can optimise existing assets, restructure investments and extend retirement income efficiently.
REASON 05
“I feel it’s too early to plan now”
Retirement seems far away in your early years, and there is a common notion that you don’t need to plan until you are almost there. But time slips fast. An unplanned life is easy to pass by; a planned one takes effort, and that effort always pays off.
A small sum invested periodically can turn into crores through compounding. People who start saving in their early 20s reap the highest benefits — the sooner you start, the better your chance of living your dream retirement.
TAKE THE FIRST STEP
Take the first step toward your next wealth milestone
Start with a no-cost Wealth Check and see the roadmap from where you are today to ₹1 Cr, ₹5 Cr and beyond.
PHONE
+91 98407 64541
ramalingam@holisticinvestment.in
rajan@holisticinvestment.in
OFFICE
Old No 60/3, New No 26, Burkit Road,
T. Nagar, Chennai – 600017, India