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Sea Wealth

Retirement Planning

Accumulating the corpus is the well-understood half. Drawing it down over a retirement that may run thirty years — without running out — is the half most plans ignore.

Who this is for

  • Retirement is ten or more years away and you want to size the target
  • You are within five years of retiring and need a withdrawal strategy
  • You want to understand what inflation does to a fixed income
What you get

Concretely, this is the work

Specific deliverables rather than adjectives — so you can hold us to them.

01

Corpus modelling

Your target is built from the lifestyle you actually intend to fund, inflated to your retirement date rather than quoted in today's rupees.

02

Drawdown strategy

Which bucket you draw from in a bad market year decides whether the corpus lasts. We plan that sequence in advance.

03

Longevity and inflation stress tests

The plan is tested against living longer than expected and against inflation running above assumption — the two risks that break retirements.

Questions

Straight answers

Other mandates

Mutual Funds

Research-led fund selection across equity, debt and hybrid categories — built around your mandate, not a product push.

SIP Investment

Automate the habit that does the heavy lifting. Start small, step up annually, and let compounding compound.

Insurance

Protection sized to your actual liabilities and dependants — term, health and critical illness, without the upsell.

Start with one goal.

Tell us what you are saving for and we will show you the monthly number that gets you there — no obligation, no product pitch.

Mutual fund investments are subject to market risks. Read all scheme related documents carefully before investing.