Retirement Planning Made Simple and Effective
With tailored strategies from Primeidea, prepare for a retirement that reflects your dreams and goals.
Primeidea creates financial plans that fuel your ambitions today and secure your success for tomorrow, whether you’re starting out or scaling up.
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Types of Retirement Planning?
Early Retirement
Early Retirement refers to the strategic planning and financial management that allows individuals to retire before the traditional retirement age, often in their 50s or even earlier.
This approach is ideal for those who wish to pursue personal interests, travel, or embark on new ventures without the constraints of a full-time job.
Key Feature
Aggressive Savings & Investments
Early retirement needs disciplined saving and investing in retirement accounts, real estate, and a diversified portfolio.
Lifestyle Planning
This includes considering the cost of healthcare, lifestyle expenses, and potential inflation over a longer retirement period.
Financial Independence
The goal is to achieve financial independence, where passive income and savings can sustain the retiree’s lifestyle without the need for active employment.
Ideal Retirement
Ideal Retirement is a well-balanced approach that targets retirement at the traditional age, typically around 60-65, allowing individuals to enjoy their golden years with financial security and peace of mind.
It’s about maintaining a comfortable lifestyle without financial worries.
Key Feature
Balanced Investment Strategy
A mix of growth-oriented and income-generating investments that align with the client’s risk tolerance and retirement goals.
Comprehensive Planning
This includes detailed planning for healthcare, travel, hobbies, and family support, ensuring that all aspects of retirement life are covered.
Sustainable Income
Ensuring a steady income stream through pensions, annuties, and savings that can support the retiree throughout their retirement years.
Guarantee Fixed Income
Guaranteed Fixed income is a retirement plan designed for those who prioritise financial stability and predictability in their retirement years.
This option ensures a steady, reliable income stream, often through annuity or pension plans, regardless of market fluctuations.
Key Feature
Low-Risk Investments
Emphasis on low-risk, income-generating investments such as government bonds, fixed deposits, and insurance products offer guaranteed returns.
Fixed Annuties
PPF is a 15-year savings scheme with a fixed interest rate, offering tax benefits under Section 80C. Interest earned and maturity are tax-free.
Budget-Friendly
NPS is a government-backed pension scheme offering tax benefits under Section 80C and an extra ₹50,000 deduction under Section 80CCD(1B).
Steps for Dream Retirement Planning
01
Planning
The first step in retirement planning is identifying your target retirement age, desired post-retirement lifestyle, life expectancy, and the retirement corpus needed to support it.
02
Designing
This step involves selecting investment options to build your retirement corpus and creating a realistic plan to achieve your goal.
03
Execution
Assisting you at every step in dedicatedly following the created plan for the required tenure to successfully complete the investment journey and achieve the desired goals.
04
Review
Regularly review your investments' performance and make adjustments as needed to stay on track and achieve your desired returns.
Here's what your personalized
financial report will look like
financial report will look like
- Requirement
- Retirement Corpus
- Projected Post Retirement Cashflow
Insights & Innovations
Stay ahead with our latest articles on financial trends, investment strategies, and wealth management tips. Discover insights and strategies to keep your financial game strong and up-to-date.
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Written by Primeidea
Retirement PlanningNovember 28, 2024What are the objectives of a retirement plan?
Understanding the Objectives of a Retirement Plan: A Financial Advisor’s Guide When it comes to planning for the future, a well-structured retirement plan is one of the most essential financial tools. As a financial advisor, helping clients understand the objectives of a retirement plan is a key aspect of guiding them toward financial security. But […]
Written by Primeidea
Retirement PlanningNovember 28, 2024Why Retirement Planning is required?
Why Retirement Planning is Required: Secure Your Future Today Retirement planning is one of the most critical aspects of personal finance that often gets overlooked until it’s too late. As life expectancy increases and inflation continues to rise, securing a comfortable retirement has become more challenging than ever. Without a clear retirement planning strategy, individuals […]
Written by Primeidea
Retirement PlanningNovember 18, 2024How can I start planning for retirement if I’m in my 30s ?
How to Start Planning for Retirement in Your 30s: A Comprehensive Guide Retirement may feel like a distant milestone when you’re in your 30s, but the earlier you begin planning, the more secure and comfortable your retirement years will be. Retirement planning in your 30s is one of the most effective ways to ensure that […]
Frequently Asked Questions
What is retirement planning, and why is it important?
Retirement planning involves setting financial goals and strategies to ensure a comfortable and secure post-work life. It's important because it provides financial independence, mitigates inflation risks, and helps meet healthcare and lifestyle needs in retirement.
When is the right time to start retirement planning?
How much money will I need for a comfortable retirement?
What role does inflation play in retirement planning?
Can I still plan for retirement if I'm close to retirement age?
How can I balance retirement savings with current financial goals?
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Start Your Retirement Journey
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