NPS Planning

National Pension System for tax-efficient, market-linked retirement savings with government backing.

Mutual Fund Corpus

Equity SIPs that grow aggressively in your working years and shift to stability as you near retirement.

Asset Allocation

Balancing EPF, PPF, real estate and market investments so no single risk derails your plan.

Most people spend 30–35 years building their career and 3–5 days planning their retirement. That mismatch costs them dearly — in the form of dependence on children, premature liquidation of assets, or a lifestyle that shrinks every year as inflation rises.

For example Mumbai’s cost of living is one of the highest in India. If you are a salaried professional in Powai, BKC, or Hiranandani or in any part of Mumbai, the retirement corpus you need is not what online calculators suggest — it needs to account for many other things like medical expenses, housing maintenance, local travel costs, lifestyle costs, and decades of inflation. That's where Arthabodhi comes in.

How Much Do You Actually Need to Retire in Mumbai or any Metro City in India?

As a working thumb rule: if your current monthly expenses are ₹1,00,000, you will need approximately ₹3–4 crore as a retirement corpus at age 60, assuming 6% withdrawal rate and 6% inflation. But this number changes significantly based on when you start, what you invest in, and what lifestyle you want.

That's why a personalised retirement calculation — not a generic online tool — is the first thing we do together.

NPS vs PPF vs Mutual Funds — Which Builds the Best Retirement Corpus?

NPS (National Pension System)

Equity Mutual Funds via SIP

Partial market-linked returns

Fully market-linked — higher long-term returns

Additional ₹50,000 deduction under 80CCD(1B)

No specific additional deduction

Locked till age 60, 40% must buy annuity

Full liquidity — withdraw anytime after lock-in

Good for those wanting forced discipline

Better for those wanting flexibility and growth

The right answer is often a combination of both. We build your retirement plan across instruments so no single policy change or market movement puts your future at risk.

The Three Stages of Retirement Planning We Work Through Together

  • Stage 1 : Accumulation phase (now to retirement) — aggressive SIP-based wealth building, NPS contributions, maximising employer PF match.
  • Stage 2 : Pre-retirement phase (5–7 years before) — gradually shifting equity to debt, locking in gains, building liquid buffer.
  • Stage 3 : Distribution phase (retirement onwards) — systematic withdrawal plan, annuity if needed, estate planning and legacy.

Common Retirement Planning Mistakes We Help Salaried Professionals Avoid

  • Starting too late — every 5-year delay roughly doubles the monthly SIP required to reach the same corpus
  • Depending entirely on EPF — EPF alone will not fund a comfortable Mumbai retirement
  • Over-investing in real estate — illiquid, maintenance-heavy, and often earns less than assumed
  • No succession plan — retirement planning without a will and nomination review is incomplete

Why Arthabodhi is the trusted retirement planning advisor for Powai & Mumbai

AMFI-registered advisor with 25+ years guiding NRI clients with Mumbai or India family roots

We have personally helped 500+ families create and stay on track with their retirement plans

AMFI registered, we earn only if your investments grow.

We account for Urban inflation-specific costs: medical inflation, housing, and real lifestyle expenses in cities like Mumbai, Delhi, Chennai, Hyderabad, Bengaluru, Kolkata

Ongoing annual reviews — your plan evolves as your life does

Start Your Retirement Plan Today — It's Never Too Early or Too Late

Book a 45-minute consultation. We'll calculate your exact retirement number and show you the path to reach it.

Book Your 45-min Consultation