Retirement Planning
The goal isn't to stop working. It's to have the choice.
We help individuals and families build retirement strategies that are grounded in real numbers, realistic timelines, and the kind of life they actually want to live.
Our Approach
Retirement planning is not a product. It is a process that begins long before you retire — and continues long after.
Most retirement conversations start too late and focus too narrowly on corpus targets. At Clutch, we begin with a different question: what does the life you want in retirement actually cost — and what does it take to fund it, sustainably, for as long as you need? From there, we build a plan that accounts for inflation, healthcare, longevity, tax efficiency, and the unexpected. We revisit it regularly, because your life changes and your plan should too.
What We Cover
01
Retirement Corpus Planning
We calculate the corpus you need based on your expected lifestyle, inflation assumptions, and retirement horizon — giving you a clear, honest target to work towards.
02
SIP & Investment Structuring
We design a systematic investment plan across equity, debt, and hybrid instruments calibrated to your timeline, risk appetite, and tax situation.
03
Tax-Efficient Accumulation
We structure your retirement savings to maximise tax efficiency during the accumulation phase — including ELSS, NPS, PPF, and other instruments appropriate to your situation.
04
Post-Retirement Income Planning
We plan the drawdown phase as carefully as the accumulation phase — structuring income streams that are sustainable, tax-efficient, and aligned with your spending needs.
05
Healthcare & Contingency Planning
We account for healthcare inflation and medical contingencies in your retirement plan — ensuring your corpus is not eroded by costs that are predictable if you plan for them.
06
Estate & Succession Alignment
We align your retirement plan with your broader estate and succession intentions — so your wealth transitions smoothly to the people and causes you care about.
How We Build Your Plan
A retirement plan built on your numbers, not industry averages.
01
Retirement Assessment
We begin with a structured conversation about your current position, your retirement vision, and the assumptions that will shape your plan.
02
Corpus & Gap Analysis
We calculate your target corpus, map it against your current savings trajectory, and identify the gap — clearly and without jargon.
03
Plan Design & Implementation
We design your investment and savings structure, recommend the right instruments, and help you put the plan into action.
04
Annual Reviews
We review your plan every year — adjusting for changes in income, expenses, market conditions, and life events — so it stays relevant and on track.
Start With an Assessment
The best time to start planning for retirement was ten years ago. The second best time is now.
Whether you are just beginning to think about retirement or are a few years away, a retirement assessment gives you a clear picture of where you stand and what it will take to get where you want to go.
Mutual fund investments are subject to market risks. Please read all scheme-related documents carefully. Past performance does not guarantee future returns. ARN: 369213