AArtheek
LoginOpen Account
PlanningAdvanced12 min

Retirement Planning Roadmap

Retirement planning becomes actionable when you break it into target corpus, contribution engine, risk glide path, and drawdown strategy.

Estimate Retirement Need

Project living costs with inflation and convert the target into a future corpus requirement.

Use realistic return assumptions and stress scenarios.

Build Accumulation Discipline

Start SIP early and increase annually as income rises.

Long accumulation windows can support equity-heavy allocation if risk tolerance allows.

Plan De-Risking and Income

As retirement approaches, shift gradually toward stability sleeves to reduce sequence risk.

Define withdrawal order and review annually.

Key Takeaways

  • Retirement success depends on process consistency.
  • SIP step-ups significantly improve corpus potential.
  • Glide path planning reduces late-stage risk shock.