Pension & Retirement — Plan Today, Relax Tomorrow

Compare pension products, annuities and retirement funds. Build a plan that replaces income and secures your lifestyle after retirement.

Types of Pension & Retirement Products

National Pension System (NPS) and other government-backed plans with tax benefits and regulated returns.

Buy an annuity from an insurer to receive a guaranteed monthly income for life or a fixed term.

Target-date and retirement-focused mutual funds (mix of equity & debt) for long-term growth and income.

Employee Provident Fund (EPF) and Voluntary Provident Fund (VPF) for salaried individuals with tax benefits.

Estimate how much you need at retirement and how much to save monthly to reach that corpus.

Current Age

Desired Retirement Age

Life Expectancy (years)

Current Monthly Expense (₹)

Assumed Inflation Rate (annual %)

Expected Post-Retirement Return (annual %)

Note: This is a simplified estimator for illustration only. For personalized advice, consult a financial planner.

Product	Risk	Typical Payout	Liquidity
NPS (Tier II)	Low - Medium	Market-linked returns	Medium
Immediate Annuity	Low	Guaranteed monthly income	Low
Retirement Mutual Funds	Medium - High	Variable (growth + systematic withdrawals)	High
EPF / VPF	Low	Guaranteed with interest	Low (subject to rules)

Earlier is better — starting in your 20s or 30s gives compounding more time to grow your corpus with smaller monthly contributions.

Common rule: aim for 60–80% of your pre-retirement income, adjusted for expenses that stop after retirement (e.g., mortgage).

Annuities from reputable insurers provide guaranteed payouts, but check inflation protection and surrender rules before buying.

Market-linked funds can grow your corpus, especially pre-retirement. Closer to retirement consider shifting to lower-risk instruments.