MS Alpha Capital
Retirement Planning
Why Plan for Retirement?
Retirement planning ensures you have enough resources to maintain your lifestyle after you stop working. The earlier you start, the more you benefit from compounding and tax advantages.
Tip: Even small, regular investments can grow into a large retirement corpus over time!
Key Retirement Options in India
- EPF (Employee Provident Fund): Mandatory for salaried employees, offers 8.15% interest (2023), tax-free on maturity.
- NPS (National Pension System): Voluntary, flexible, with equity and debt options, and extra tax benefits.
- Mutual Funds: SIPs in equity funds for long-term growth, e.g., 12-15% average returns over 10 years.
- Fixed Deposits: Safe, 6-7% interest, ideal for risk-averse retirees.
Example: Investing ₹5,000/month in an equity mutual fund for 25 years at 12% CAGR can yield over ₹1 crore at retirement.
Building Your Retirement Plan
- Set a Target: Estimate your retirement expenses and desired corpus.
- Start Early: The sooner you begin, the less you need to invest each month.
- Diversify: Use a mix of EPF, NPS, mutual funds, and FDs for safety and growth.
- Review Regularly: Adjust your plan as your income and goals change.
Tip: Don't withdraw your retirement savings early—let compounding work for you!
How MS Alpha Can Help
Our advisors can help you:
- Calculate your retirement needs
- Choose the right mix of products
- Optimize for tax and risk
- Plan for legacy and estate transfer
Ready to plan your future? Contact us for a personalized retirement roadmap.