Our Retirement Planning service helps you plan for your retirement well in advance, so that you can relax without any worries. The service also helps you plan your estate, so that your family is always secure.

At Karvy Private Wealth, we factor in critical factors such as inflation and risk mitigation for effective retirement planning while estimating the corpus and revisiting the requirements as the context changes closer to retirement.

We use the “Goal-driven investing” approach to suggest different investment portfolios for meeting different goals of the client. Different goals could be higher education of children, annual international holidays or retirement itself. These goals will fall in the spectrum between money that Clients NEED and money that they WANT. There will be one distinct portfolio of assets for each goal of the Client - the mix of each of these portfolios will depend on where exactly the goal falls in the above spectrum.

Who is this suitable for?

• Individuals, 10-15 years prior to their retirement who wish to estimate a retirement corpus with clarity and to hand over the responsibility of building it
• Retired individuals looking to use existing retirement corpus to generate income on a sustainable basis
• Families looking to create well defined asset pools for their children’s education, wedding and other future needs
• Families looking to create asset pools aimed at any other long term goal

What does it cover?

The following is illustration of the scope for retirement as specific milestones. Other milestones have similarly defined scope.

1. Estimation of the required retirement corpus after detailed discussions with the customer regarding expected post retirement lifestyle and likely sources of other income if any.
2. Creation of retirement corpus accumulation and consumption plan based on the above.
3. Development of a comprehensive investments strategy and selection of investment instruments.
4. Actively tracking the portfolio with the following major ongoing activities:
• Strategic asset allocation – based on current age, time to retirement and risk level chosen
• Tactical variations – based on specific opportunities and market conditions
• Portfolio rebalancing – based on actual market returns year on year on various asset classes
5. Quarterly updates on portfolio performance.
6. If chosen, Power of Attorney led execution of the investments and maintenance of portfolio.