Work out how much you need, which accounts to use, and how to turn a corpus into a monthly income that lasts 25 to 30 years.
This is the Academy's complete retirement framework, and it works at any age: start from your own expenses, size the corpus, choose the building blocks, give NPS a clear role and plan its exit, turn the corpus into a monthly income, and protect that income for both spouses. It is for anyone who wants one joined-up method rather than scattered product tips, with worked rupee examples, an exercise and a quiz in every chapter.
Builds on: Money Basics · Pairs with: NPS Explained, The Pre-Retiree and Protecting Your Family
Why your retirement target begins with what your household spends today, which costs to keep or drop, and how inflation and health costs multiply it over the years.
Turn your projected spending into a target corpus using a multiple, test whether ₹1 crore is enough, and convert the gap into a monthly SIP with or without a yearly step-up.
What each retirement account does, how much risk and liquidity it carries, what its real return looks like after inflation, and how to combine them as retirement approaches.
What job NPS should do inside a retirement plan, the 2026 exit and small-corpus rules in rupees, and how to decide between lump sum, annuity type, phased payouts and deferring to 85.
Why the order of returns matters once you start withdrawing, how a three-bucket plan protects you, and how SWPs, annuities, SCSS and POMIS each fit into a retirement paycheque.
The safeguards that keep a retirement plan working for 30 years: health cover in place before you stop work, a sensible order for drawing on each pot, a plan for the surviving spouse and a simple yearly review.
Money n Wealth Academy is for education only and is not personalised investment, tax or insurance advice. Examples are illustrative. Mutual fund investments are subject to market risks; read all scheme related documents carefully. Money n Wealth (Predics Fintech Services Pvt Ltd) is an AMFI-registered mutual fund distributor (ARN-121995) and APMI-registered PMS distributor (APRN07444).