Retirement Planning

Welcome to Fusion1's Retirement Planning page, where we offer professional guidance and wise investment choices to help you secure a comfortable and fulfilling retirement. We understand that planning for retirement is a lifelong journey that requires careful consideration and strategic decision-making.

Our dedicated team of retirement planning specialists is committed to helping you build a solid financial foundation for your retirement years. We work closely with you to assess your retirement goals, estimate your future income needs, and develop a personalized retirement plan that aligns with your aspirations.

At Fusion1, we take a comprehensive approach to retirement planning, considering various factors such as your current financial resources, expected retirement age, desired lifestyle, and risk tolerance. We analyze your existing retirement accounts, recommend suitable investment strategies, and provide guidance on retirement income sources.

We believe that an endowment plan of insurance may not be the right product for your insurance planning when it comes to retirement. Instead, we focus on helping you build your retirement corpus through Systematic Investment Plans (SIPs). With SIPs, you can invest a fixed amount regularly over a period of time, allowing you to benefit from rupee cost averaging and potentially higher returns in the long run.

During retirement, we offer a unique approach through Systematic Withdrawal Plans (SWPs). SWPs allow you to receive a fixed monthly income from your accumulated retirement corpus. This ensures a steady stream of income to support your lifestyle needs and provides you with financial security during your retirement years.

To illustrate the potential benefits of our approach, let's consider an example:

SIP Period: Aug 1998 to Jul 2008

👉 Invested Amount: ₹12.0 lacs (₹10k p.m)

👉 Total Amount Withdrawn: ₹26.4 lacs

👉 Current Value(as on 31 Mar 23): ₹1.02 CRS

SIP in Nifty 500 TRI Index and SWP from Crisil Hybrid 50+50 Moderate Index

It's important to note that past performance may or may not be sustained in the future. However, our goal is to provide you with a retirement plan that maximizes your income potential while considering your risk tolerance and financial goals.

Additionally, we also utilize the National Pension Scheme (NPS) for retirement planning. NPS falls under the Exempt-Exempt-Exempt (EEE) category, which means the returns on your investment are tax-free. While you can withdraw up to 60% of the accumulated corpus at maturity as non-taxable income, the remaining amount used for annuity payments may be subject to income tax.

Overall, the NPS serves as a valuable retirement planning tool, offering the potential for healthy returns compared to other fixed-income instruments. As your trusted partner, we can guide you through the intricacies of NPS and other retirement planning options, ensuring you make informed decisions that align with your financial objectives.

Partner with Fusion1 to secure your retirement future with professional guidance and wise investment choices. Contact us today to start planning for a comfortable and fulfilling retirement.