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Smart Financial Planning
for a Relaxed Retirement

At retirement, the priorities shift. It's no longer just about growth — it's about generating reliable income, protecting what you've built, and ensuring your legacy transfers cleanly.

💰 Make Your Money Work Harder 📈 Grow from What You Already Have 🗓️ Plan Today. Secure Tomorrow.
100+
Peaceful Retirement Plans
₹25 Cr+
Capital Advised
10+
Unique Strategies Deployed
What We Do

Our Retirement Services

Retirement planning is where the stakes are highest. We bring a cross-asset perspective — not a product catalogue.

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Regular Monthly Income

We design income-generating portfolios calibrated to your monthly requirement — combining mutual funds, debt instruments, and risk-managed strategies with capital protection at the core. Whether you need ₹30,000 or ₹3 lakhs a month, we build around your number.

Real outcome: A client needed ₹60,000/month from ₹60 lakhs to support an aging parent. We built a solution targeting 12% returns with a hard downside limit of 10% — monthly payouts delivered, principal intact.
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Future-Proofing Wealth

Assets without a clear succession structure become a burden for heirs — especially when families span countries. We restructure holdings, clarify nominations, coordinate Will alignment, and ensure your wealth transfers without legal friction or unnecessary tax.

Real outcome: A Dubai-based NRI with Indian assets across mutual funds, real estate, and NRO/NRE deposits now has a tax-efficient succession structure his foreign-national children can inherit without delays or compliance complications.
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Wealth Preservation

At this stage, protecting capital matters as much as growing it. We reduce portfolio risk in line with your life stage, minimise tax drag, and ensure your money keeps working — safely, sustainably, and in a way you can sleep soundly with.

Real outcome: A 54-year-old who received ₹30 lakhs capital gains from a property sale chose a balanced, goal-aligned portfolio over infrastructure bonds — prioritising real, inflation-beating returns over a short-term tax break.
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Explore More Solutions

No two retirements look alike. Whether you're navigating a divorce settlement, a sudden inheritance, a business exit, or planning for medical expenses in later years — we build around your specific situation.

Real outcome: Clients spanning business owners, NRIs, and salaried retirees have each received custom strategies — from SWP-based income plans to legacy structures and tax-optimised capital deployment.
Client Stories

Real Plans. Real Peace of Mind.

These stories capture the kind of clarity and confidence that good retirement planning actually delivers.

Rita
48 · Planning for Aging Parent · Mumbai

Rita needed to generate ₹60,000/month for her 72-year-old mother's living and medical expenses — from ₹60 lakhs of capital. That's a 12% annual return requirement, in a volatile market. We built a solution combining mutual fund portfolio construction with risk-managed option strategies, with capital protection capped at a maximum 10% downside. Today, her mother receives monthly payouts without fail, and the capital stays protected.

"For me, this wasn't about high returns — it was about peace of mind for my mother. Tequity understood that."
★★★★★
Rajeev
52 · NRI · Dubai · Succession Planning

Rajeev had well-organised Indian assets — mutual funds, real estate, NRO/NRE deposits — but a critical gap: no succession plan for his foreign-national children. We migrated holdings from NRO to NRE, reorganised mutual fund folios with joint holding and nominee clarity, advised on FCNR deposits to reduce forex risk for his heirs, and coordinated with legal advisors on his Indian Will. The result: a clean, tax-efficient structure his children can inherit without friction.

"I had done the investing part right, but never thought enough about what happens after me. Tequity gave me not just a plan, but clarity."
★★★★★
Vijit
54 · Capital Gains Planning · Navi Mumbai

Vijit sold his commercial property for ₹70 lakhs, earning a post-indexation capital gain of ₹30 lakhs. The conventional advice was to invest in infrastructure bonds for a tax exemption. He wasn't convinced — and he was right to seek a second opinion. We walked him through the mechanics, evaluated his risk comfort and goals, and together chose a portfolio strategy that prioritised stability and real returns over a short-term tax break. He gradually moved his entire investment portfolio to Tequity.

"Tequity convinced me that chasing a tax exemption wasn't the right strategy for my goals. That clarity was worth everything."
★★★★★
Common Questions

Retirement Planning — FAQs

How should a retiree generate monthly income from investments?+
A Systematic Withdrawal Plan (SWP) from debt and hybrid mutual funds can generate consistent monthly income while preserving capital. Combined with risk-managed strategies on the equity side, it can deliver inflation-adjusted income that typically outperforms FD interest — with better tax efficiency too.
What is succession planning — and why does it matter?+
Succession planning involves structuring your assets so they can be transferred to your heirs with minimal tax liability, legal delays, or compliance complications. For NRI families, this is especially important — a poorly structured estate can leave heirs navigating probate, cross-border tax issues, and repatriation hurdles for years.
Should I invest in infrastructure bonds to save capital gains tax?+
Not necessarily. Infrastructure bonds (under Section 54EC) lock your funds for 5 years in fixed-return instruments — and the tax saved may be less valuable than the returns you forgo. The right answer depends on your liquidity needs, risk appetite, and overall portfolio context. We help you evaluate both paths honestly.
How much should I have saved before I can retire comfortably?+
A common rule of thumb is 25–30x your annual expenses (the "4% rule") — but this varies significantly based on your lifestyle, health costs, legacy goals, and whether you have a pension or rental income. We build a personalised retirement number for each client based on their specific situation.
Is it too late to start planning if I'm already near retirement?+
No — but the strategy changes. If you're 5–10 years away, the focus shifts toward capital preservation, income generation, and tax efficiency. Even a well-designed 5-year plan can meaningfully improve your retirement outcomes compared to leaving capital in conservative instruments.

Let's Build a Plan You Can Retire On

A conversation about your goals, your corpus, and your timeline — that's where every good retirement plan starts.

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