retire on your terms.
Most people figure out retirement at 55. The math says you should figure it out at 35. We help you size the corpus, pick the right mix of NPS, equity MFs, debt MFs, and PPF, and design a glide path that doesn't leave you eating dal-chawal at 70.
four sleeves. one number.
A real retirement plan isn't one product. It's an asset mix that changes as you age, and a monthly income strategy after you stop earning. Here's the architecture.
Most retirement calculators lowball the number. They use 5% inflation. Reality in Mumbai is closer to 7-8%. We size your corpus assuming honest inflation, your real expenses, and a 30-year withdrawal phase.
NPS gives an extra ₹50,000 80CCD(1B) deduction on top of 80C. Tier I is locked until 60, Tier II is flexible. We use both — but only if they actually fit your situation. Not because someone said you should.
Equity MFs do the heavy lifting in your 30s and 40s. We glide down to safer assets as you approach 55. The mistake most people make: staying 100% in FDs the whole time. Inflation will eat that corpus alive.
When the salary stops, the bills don't. Systematic Withdrawal Plan from a balanced fund or debt fund gives you a steady monthly cheque while the remaining corpus stays invested. We help you size it so the money outlives you, not the other way around.
no tips. no targets. no telegram channel.
Stock tipping services destroy more wealth than they create. Here's what we deliberately do not offer.
No "buy this Monday" calls. No "target ₹500 stop-loss ₹420" messages. That's not advisory — that's a casino dressed up in research.
Day-trading and derivatives are zero-sum games dominated by professionals with sub-millisecond infrastructure. We don't help you compete there.
Pump-and-dump dressed as "research." If your broker, RM, or advisor pushes one — that's a flag. We'll show you the SEBI rule that makes it illegal.
Archita Ritesh Gattani is an AMFI Registered Mutual Fund Distributor (ARN-320768), not a SEBI-registered stock broker or research analyst. Stock investments through funds to wealth. are facilitated by introducing you to a SEBI-registered partner broker of your choice. We do not execute trades on your behalf, do not hold your funds or securities, and do not provide stock-specific buy/sell recommendations.
What we provide is portfolio-level guidance, onboarding support, and broker comparison. The actual stock-broking relationship is between you and your chosen broker. Stock market investments are subject to market risks. Past performance is not indicative of future results.
questions, answered.
If yours isn't here, ask on the call. We answer in plain English.
How much do I really need to retire in Mumbai?
Rule of thumb: 25-30× your annual expenses at retirement. For a 35-year-old planning to retire at 60 with ₹50K/month expenses today, that's typically a ₹6-8 crore corpus assuming 7% Mumbai inflation. Run the math on the retirement calculator — it accounts for honest inflation, not the textbook 5% number.
NPS, PPF, mutual funds — which sleeve does what?
NPS gives the extra ₹50,000 80CCD(1B) deduction beyond 80C — worth it for 30% slab. PPF compounds tax-free at ~7% but caps at ₹1.5L/year. Equity mutual funds do the long-term compounding (10-12% historically). We layer all three — none alone is enough.
When should I switch from equity to debt?
A common glide path: 70% equity in your 30s, 50/50 by 50, 30% equity by 60. But it's personal — your risk tolerance and corpus size shift the numbers. We don't use one formula because your retirement isn't the textbook's retirement.
Can I really retire early (FIRE)?
Mechanically yes. Invest 50-70% of income for 15-20 years and you can retire by 45. Practically harder in India because of healthcare costs and a less mature equity market. We size it conservatively if FIRE is your goal — and tell you the exact monthly SIP needed.
My EPF is decent — is that enough?
EPF compounds at ~8.5% tax-free, which is excellent. But for most professionals, EPF alone reaches only 30-40% of the corpus needed. An equity SIP on top is essential. We'll show you exactly where the gap is.
When should I start retirement planning?
The day you get your first salary. A ₹5,000 SIP started at 25 ends at ~₹3 crore by 60 (assuming 10% step-up). The same SIP started at 35 ends at ~₹85 lakhs. Time matters more than amount.
let's map your retirement.
A 30-minute call. We'll size the corpus, audit what you already have, and tell you the exact monthly SIP you need today.
got it. archita will call you.
Usually within 12 minutes during Mumbai work hours.
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