Retirement Roadmap

Financial security is the essence of a happy retired life. Planning for a content retired life in it requires careful planning.

Planning for retirement itself a life-long process.

When we get our first salary, our focus will be on two things. First, we focus on our career and secondly we focus on our family. In between these two things, we ignore the importance of planning for our retirement.
Because we think it is too early to plan for retirement.

If you are one of them, then remember, “It is never too early or too late to plan for retirement.”

WHAT IS RETIREMENT PLANNING?

Generally, retirement planning is planning your finances to achieve your financial goals after you stop working. It is a final part of your financial life. It will help you to live your desired lifestyle when you retire. It helps you to achieve your financial independence.

Retirement planning process include analysing your financial goals and objectives, your age, risk appetite, inflation, estimated expenses, life span, etc.,

Your retirement planning should ensure a stress-free retired life. That is why it is better to entrust this onerous task to a professional in retirement planning who is none other than a Financial Planner for Retirement.

WHY DO YOU NEED RETIREMENT PLANNING?

You need to plan for your retirement to meet your unplanned/unexpected situations.

Such as,

If your estimated life expectancy is longer than you have planned
To meet your unexpected medical expenses and other emergency expenses
If you have to retire earlier than you planned
If you have to depend on your children after your retirement
If your savings cannot beat inflation
If you have duties to fulfil for your family after your retirement

WHY RETIREMENT PLANNING IS IMPORTANT?

Just imagine,

What if you have sudden health issues which require constant care and make you retire early?
What if you lose your job due to unexpected situations? For instance, thousands of employees lost their job due to corona crisis. What if you are one of them?
What if someone from your family needs your support? And what if you need to give up your job and retire early to take care of them?
What if you have an accident and affect you in carrying out the regular duties you will be forced to retire.
What if you have an occupational burnout that causes serious threat and forces you to retire?

Are you prepared to meet all these problems?

Having a holistic retirement plan can help you to prepare to manage all these crucial situations and will give you a clear idea of

What lies ahead in your post-retirement financial life?
What you should do in pre-retirement? And
How can you live your post-retirement life FREE from ANY financial stress?

IF YOU THINK YOU DON’T NEED RETIREMENT PLANNING THEN YOU SHOULD TAKE THIS QUIZ!

1. How much money do you need per month (or) per year, when you retire?

2. What kind of Investment Strategy do you need to achieve your required retirement income?

3. Do you know…how to deal with your loans during your retirement?

4. Do you know…how to analyse your existing investment portfolio after your retirement? And, what is the most effective way to do it?

5. Since health becomes a major issue in old age. Do you have a good idea about your suitable medical insurance scheme after your retirement?

6. Do you have an effective tax planning strategy after your retirement?

If you have an answer to all of the above questions then you don’t really need to plan your retirement.

But, if you are not aware or unclear about at least 3 questions above, then it is the right time for you to consider implementing your Retirement Planning.

WHAT WILL YOU GET IN RETIREMENT PLANNING?

Retirement planning ensures you the solution to all the above problems.

Having a personalized retirement planning service including,

Identifying your financial/retirement goals,
Current portfolio analysis,
Analysis of your current financial situation,
Well planned investment strategy,
Risk Analysis,
Fresh Asset Allocation Planning,
Tax planning,
Emergency fund planning,
Existing Asset Mix Analysis
Planning for Retirement Corpus, and
Cash-flow planning for post-retirement stage.

WHAT MAKES OUR RETIREMENT PLANNING SERVICE SPECIAL?

Along with the above retirement planning process, we can help you to build,

Well structured pre-retirement/post-retirement financial planning
Risk management plan which covers emergency as well as insurance planning.
Align income, expense, asset planning, liabilities, and everything under one report
Create achievable scenarios until you satisfy with one
Concentrate on reducing tax
Schedule discussions with our CFPs and advisors and clarify all the retirement plan & investment related queries.
Providing step by step guide file with stipulated time for all the executions
Two scheduled reviews in a year.

SOME ADDITIONAL BENEFITS ARE:

We will assist you in implementing the financial plan by handholding you in the documentation, preparing asset performance reports.

Any number of reviews (if the situation demands)
We will be accessible and responsive within 48 hrs
Reviewing and Rebalancing investments allocation periodically
Newsletters will be circulated periodically
Scheduled progress-review discussions with Chief Financial Planner every year
Exclusive Webinar with Financial Experts (Every month)

HOW OUR RETIREMENT PLANNING SERVICE CAN HELP YOU?

Our retirement planning service will help you to build enough retirement corpus you need during your retired life.

We will help you to,

Achieve your financial independence
Achieve your financial and retirement goals
Plan your tax efficiency after your retirement
Increase your savings rate
Plan for inflation
Live your desired retirement life

TOP 5 REASONS WHY PEOPLE ARE IN A TRAP OF ‘MAGICAL THINKING’ OF NOT PLANNING FOR RETIREMENT

People consciously believe that Retirement Planning is a necessary, But some inner thoughts lead people to fall in the trap of unplanned retirement:

1. My children will take care of me after my retirement…

Times are changing. Nowadays people prefer to live in a nuclear family. They have the responsibility of their own and their family, such as kid’s education, health-care, their retirement financial planning and so on!!
It is always recommended to plan your own retired life by creating a customised retirement plan suitable for you.

2. I’ll inherit enough money…

People are emotional about inherited properties, as they come as a result of the loss of loved ones. Relying on inheritance is risky due to 3 major limitations:

The market value of the inherited property may get depreciated over time.
Additional liability of repair and maintenance of the property.
If the inherited property is supposed to be distributed, it may lead to unending disputes at the court level.

3. I’ll save once I have enough…

It’s never going to be enough to SAVE money. Saving requires discipline and major adjustment in lifestyle. Small saving now has a bigger impact as compared to saving a lot, years later.

So it is always recommended to keep ‘Saving’ as the first priority with a great sense of urgency.
As the investments grow over the period, then the power of compounding works like magic.

4. I think it’s TOO late now…

It is never too late!

The time you realize the importance of retirement planning may be close to your retirement age or you might be already retired by now. Even in such cases, not planning for the upcoming years will be an expensive deal for you in the long run.

In such cases, if you are unsure, it is recommended to take advise from a professional. It is never too late to revise your income distribution strategy.

5. I feel it’s TOO early to plan now…

It is never too early to plan for retirement.

It’s often difficult for us to clearly picturise where we’ll find ourselves in five to ten years. And, retirement seems too far in early ages. There is a common notion among people that you don’t need to plan for retirement until you are almost there.

But, time always slips fast.

Unplanned life is easy to pass by, whereas to live a planned life, it requires significant efforts and these efforts always pays off well.

A small sum of money under the right investment periodically can turn into crores through the power of compounding!!

People who start saving in their early 20s reap highest benefits.

The truth is, the sooner you start your retirement planning, the better chance you will have of living your dream retirement.

So don’t wait too long and start your Retirement Planning now.

If you have any queries with our retirement planning service please contact our Business Development Executive.

Call or Whatsapp to +919840764541

Skip the queue by registering for your 30-Minute FREE Financial Plan Consultation. Click the ‘BOOK YOUR SLOT NOW!’ button below.

Jey S

24. September, 2021.

I have been using Holistic Investment Planners for the last three years. Mr. Srinivasavaradhan answered all my questions and doubts very patiently during the first free consultation. I was able to clearly define my short-, medium- and long-term goals once I signed up for the comprehensive plan and got their investment plan suggestion to achieve my goals. They are very polite and highly professional whenever I contact them for any queries or make investments. They never pressurize you to invest on their recommended financial products. I would have been lost money by investing directly without their help since I do not have time and knowledge about different financial products. Risk planning is also done as part of financial planning. Truly, they are holistic planners when it comes to your financial planning. They help you to define your life goals, understand your financial resources and establish a plan to invest towards reaching those goals. They do review your plan as you progress to make sure that you are on correct path to achieve those goals. Kudos to the team and keep up the good work!!! I am happy that I found holistic investment planners for my financial planning and management.

aksaswadkar

I was about to retire and really not understanding how to invest money to have financial freedom and fulfilling my goals. Was desperately searching on internet way out and fortunately came across Holistic Investment Planners. I read number of articles on their website and realized that this is the agency which I want and engaged their services for my retirement planning. It is an excellent experience to be associated with Holistic. Right from day one our interaction was fantastic and they gave me such a wonderful plan that I had never imagined. I am fortunate enough to be in the client list of Holistic. I have recommended Holistic to my friends as well.

Lionel Faber

16. September, 2021.

I've been availing their services for the past year. They are highly knowledgeable in the field and are very patient with all doubts and queries. Personalized financial planning is provided keeping your short term, medium term and long term goals in mind. They do not pressurize you to purchase schemes of their choice. They provide their input and suggestions and leave the decision up to you which shows their honesty and high principle.

Sridhar

8. September, 2021.

Financial planning brings peace in life. Holistic Investment have supported in arriving financial plan based on future goals. My investments are regular since then. They are professionals in their business, will recommend others.

Nitesh Agrawal

6. September, 2021.

I have been using Holistic Investment Planners from last one year. The journey has been fantastic. Being a finance person myself I always thought we can look after and plan own finances also. However, due to lack of time and deciplain the things are not always as desired. After joining with Holistic Investment for the first time Icame to know the Financial goals and quantified them. Some dreams were unrealistic based on the earnings and savings so had a reality check. Also got the information and deciplain of investing on regular and more rewarding securities. I definetly suggest to use Holistic Investment Planners. They are professionals, available and hear youor full story before presenting plans. They are flexile in the sense if there are some urgent deviations required, they help to plan the same. For all professionals/individuals I would suggest using professional help of Holistic Investment Planners for best results in long term investment and financial goals achivements. Last advise will be to start early in your life. It really pays well to start in the beginning itself else the dreams needs to adjust :)

Swetha Vasanth

This is my first year service with the Holistic Team and I would say that they are very much helpful in creating a financial plan and follow ups during the year. I would definitely suggest them if anyone who is willing to proceed with their savings professionally.

Joseph Mathias

I came to know about Holistic Investment Planners online while searching for different investment ideas. Once I contacted them the journey was very smooth. Mr. Ramalingam explained all the aspects of Financial planning in detail and it opened my mind. I realized how important it is to have a Financial planning. Mr. Rajan suggested all the requirements as per my goals and made a Investment plan keeping in mind of my goals. I started my Investment journey with them. I wish I had done it some years back then it would have been in a different level. Review meetings were held every six month to check the implementation of the plan and check the results as per the requirements and to check if any changes required. Overall it was a good experience with Holistic Investment team and would like to continue in the years to come.

Srinvas Kannan

30. July, 2021.

I came across Holistic investment planners almost 5-6 years back, but I did not have the trust since I had met a few of them who did not sound promising. Then I started investing through a financial advisor of my friend. After 4 years of investing the returns were very low. I was disappointed and started looking for financial advisors when I came across Holistic investment. I had a detailed discussion about my goals and the way they would approach achieving my goal before deciding to switch my investments to them. After a thorough analysis of my then existing portfolios, they suggested new ones and we zeroed-in on 6 schemes/funds where our investment would be split. I am glad I made the decision of switching over and taking Holistic planner's advise, my returns are handsome and I only wish I could have taken their help/advise 5 years back itself. Neverthless, I would like to recommend their services for investment and financial advise if someone is serious about their investments.

Shivaram Andiappan Selvaraj

3. July, 2021.

I got a free first time consultation. I got my doubts resolved. They also gave additional advises for investment planning which was also useful.

Nellai B

26. June, 2021.

I have been associated with them for the past three years. They are very professional and polite in answering all our questions. I have complete trust in their suggestions. I strongly recommend for anyone. I am looking forward to have strong and successful association with them.