Plan retirement with clarity, not guesswork.
We help you understand whether your money will last your lifetime — using globally proven retirement planning principles, adapted for India.
Why Retirement Planning Needs a New Approach
In most developed economies, retirement planning is not about "how much you save", but about how long your income lasts. India is changing — longer lifespans, rising healthcare costs, nuclear families — yet retirement planning still focuses only on accumulation.
Measure Readiness, Not Just Wealth
In countries like the US and Australia, people track retirement readiness, not just corpus size. We bring that concept to India through a simple, powerful metric: Your Retirement Readiness Score.
Focus on Income for Life
Globally, retirement success is defined by stable income, longevity protection, and healthcare preparedness. We help you plan monthly income, not just lump sums.
Combine Guaranteed + Market Income
The best retirement systems use a hybrid approach: Guaranteed income for stability and Market-linked growth for inflation protection. We help you balance both.
Your Retirement Readiness Score
Your 6 Readiness Pillars
Understanding Your Retirement
Everything you need to know about planning a secure future
What is the Retirement Readiness Score?
The Retirement Readiness Score (RRS) is a 0–100 score that shows how prepared you are for retirement — across income, savings, longevity, and healthcare.
The 6 Readiness Pillars
Our score is based on six globally accepted pillars:
- Income Replacement (30pts): Can your retirement income cover expenses?
- Corpus Adequacy (20pts): Is your total savings pot sufficient?
- Longevity Risk (15pts): Will your money last till age 80?
- Healthcare Preparedness (15pts): Are you protected against medical inflation?
- Savings Discipline (10pts): Have you built consistent savings habits?
- Guaranteed Income (10pts): Do you have stable, predictable income?
Our Approach: Assess, Plan, Improve
We don't sell products first. We help you understand your retirement first.
- Step 1: Assess - Measure readiness, Identify gaps.
- Step 2: Plan - Income strategy, Longevity protection, Healthcare planning.
- Step 3: Improve - Structured actions, Gradual improvements, Track progress.
Who We Are For
We are designed for forward-thinking individuals:
- Working Professionals (30–55): Build a solid foundation early.
- Pre-retirees (55–65): Secure your transition to retirement.
- Self-employed & Business Owners: Create your own pension plan.
- Families: Planning retirement together.
Trust & Philosophy
Our philosophy is built on:
- Education over selling
- Clarity over complexity
- Long-term thinking over quick returns
We follow best practices used by:
- Retirement advisors in developed markets
- Pension systems globally
- Behavioral finance research
Retirement in India: The Reality
India's retirement landscape is changing rapidly:
- Longer Lifespans: Average life expectancy is rising (70-75+ years).
- Nuclear Families: Traditional support systems are fading.
- Rising Costs: Healthcare inflation often beats general inflation.
We help you navigate these unique challenges.
Let's talk about your future
Have questions about the Retirement Readiness Score? Want a personalized consultation? We're here to help.