Retirement Readiness Guide
Think through retirement, before you act on it
A practical educational guide to help professionals think through retirement before making important financial decisions.
What the guide covers
Thirteen short chapters across the decisions that shape a confident retirement. Read in order, or jump to what matters most to you right now.
Chapter 01
Monthly Expenses
Map your current monthly outflow and how it shifts after retirement.
Chapter 02
Retirement Lifestyle
Travel, hobbies, grandchildren — what does your week look like?
Chapter 03
Emergency Reserves
How many months of expenses should sit in safe, accessible reserves?
Chapter 04
Healthcare Preparedness
Insurance coverage, top-ups and a dedicated medical reserve.
Chapter 05
Pension
Understand fixed-income streams and how they index over time.
Chapter 06
NPS
Annuity choices, withdrawals and tax considerations at maturity.
Chapter 07
Gratuity
What to do with a lump sum that arrives once in a lifetime.
Chapter 08
Leave Encashment
A meaningful cash inflow — deploy it thoughtfully, not reflexively.
Chapter 09
Family Responsibilities
Dependants, education, weddings, ageing parents — all on one page.
Chapter 10
Inflation
What ₹1 lakh today might mean fifteen and twenty-five years from now.
Chapter 11
Longevity
Planning for 25–30 years of retirement, not just the next five.
Chapter 12
Documentation
Nominations, wills, account access — the paperwork that protects families.
Chapter 13
Behavioural Mistakes
The recurring patterns that derail otherwise sound retirement plans.
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