Retirement planning is a cornerstone of long-term financial wellness. For a startup finance company, building robust retirement solutions not only addresses a critical life stage but also fosters enduring client relationships.
Tailoring your offering to these segments ensures relevant guidance at every life stage.
Goal Setting and Timeline
Define target retirement age and desired annual income
Break down overall goal into annual and monthly savings targets.
Savings Strategies
Automate contributions via systematic investment plans (SIPs)
Leverage tax-advantaged instruments (pension schemes, retirement accounts).
Risk Management and Asset Allocation
Early stages: equity-heavy portfolios for growth
Mid stages: balanced mix of equities and fixed-income
Pre-retirement: shift toward bonds, cash equivalents.
Distribution Planning
Create drawdown models for sustainable cash flow
Consider annuities, systematic withdrawal plans, and lump-sum options.
Early Accumulation (20–35) Maximize equity exposure, automate high savings rate.
Growth & Consolidation (35–50) Introduce bonds, diversify into alternate assets.
Pre-Retirement (50–65) Preserve capital, focus on fixed income.
Retirement Distribution (65+) Income-first approach, incorporate annuities
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