Retire from work, not from income - Build a financially independent future
Retirement isn't an age—it's a financial milestone. At Dhanam Financial Services, we create personalized retirement plans that ensure you maintain your lifestyle, cover healthcare needs, and leave a legacy, all while maximizing tax efficiency.
Why start early? A 5-year delay can reduce your retirement corpus by 40-50% due to lost compounding.
Calculate inflation-adjusted retirement needs based on your lifestyle goals
Maximize growth while minimizing tax liabilities
Create reliable income streams after retirement
Safeguard against medical inflation
Ensure smooth wealth transfer to heirs
| Instrument | Category | Expected Returns | Tax Treatment |
|---|---|---|---|
| National Pension System (NPS) | Pension | 8-10% | E-E-T (Exempt-Exempt-Taxed) |
| Public Provident Fund (PPF) | Fixed Income | 7.1% | E-E-E (Tax Free) |
| Senior Citizen Savings Scheme | Fixed Income | 8.2% | Taxable (80TTB benefit) |
| Annuity Plans | Insurance | 5-7% | Taxable as income |
| Equity Mutual Funds | Market Linked | 10-12% | 10% LTCG (after 1L) |
| Rental Properties | Real Estate | 2-4% + appreciation | Taxable after deductions |
Monthly Investment
₹15,000/month
Projected Corpus (at 60)
₹3.2 crores
Strategy
Started early with balanced equity-debt mix
Monthly Investment
₹35,000/month
Projected Corpus (at 60)
₹2.8 crores
Strategy
Aggressive equity allocation with NPS
Monthly Investment
₹75,000/month
Projected Corpus (at 60)
₹2 crores
Strategy
Focus on debt instruments + annuity plans
Typically 25-30 times your annual expenses, adjusted for inflation. We use detailed cash flow analysis to calculate your exact number based on lifestyle goals.
NPS offers higher returns (8-10%) but has withdrawal restrictions. PPF is more flexible but lower returns (7.1%). We recommend a combination based on your risk profile.
We focus on higher monthly contributions (35-50% of income), maximize NPS benefits, and may recommend delaying retirement by 2-3 years to boost your corpus.
Through a mix of SWPs from mutual funds (for growth), SCSS (for stability), and annuities (for lifetime income). We create tax-efficient withdrawal strategies.
Our retirement specialists will analyze your current situation and create a customized roadmap to ensure financial independence in your golden years.