Guides

The most common retirement age in India, and the corpus a standard timeline requires.

Why planning to a longer life expectancy is the cheapest insurance in retirement planning.

The one budget line that reliably grows as you age, and reliably inflates faster than everything else.

Turning a distant target into a monthly number you can actually act on.

The relationship between withdrawal rate, return and time — and why the boundary is narrower than it looks.

Why a market fall in your first year of retirement can matter more than the same fall ten years in.

Two ways to draw a monthly income from savings, and how differently they behave once tax and inflation are added.

Redeeming your own units versus being paid out of company profits — the cash-flow and tax differences that matter.

How a payout from company profits becomes cash in your account, and why it is never guaranteed.

The ratio that decides how much income a given investment produces, and why it moves when the price does.

What it actually takes to live off distributions, and where the plan tends to break.

Running the same corpus through an SWP and through a dividend-yield lens, side by side.

It depends entirely on what you spend and when you retire — the arithmetic that actually answers the question.

The capital required under an SWP versus a dividend-income approach, compared directly.

The idea behind the movement, the 25x rule it is built on, and where that rule tends to be too optimistic for India.