As in all successful ventures, the foundation of a good retirement is planning.
- Earl Nightingale, American author, speaker
Plan Retirement in 3 Easy Steps
Achieve Financial Freedom Using Simple Math.
Calculate how large your retirement corpus should be, depending upon your lifestyle and age. Time is of the essence - earlier you start, the better.
Know how much you should contribute each month for retirement, and how long you need to continue working, to build your desired corpus size
Invest in Equities for long term to maximise returns. Create a portfolio of diversified & well researched stocks and allocate part of your savings to it.
Estimate Size Your Retirement Corpus
How much money should I have when I retire? This is perhaps the most common question people ask while planning for their retirement. And while it is easy to assess the size of retirement corpus, people usually struggle to estimate it, and even worse, settle for a grossly inadequate sum. Therefore, our first step is to prepare an objective estimate of your retirement corpus. This is performed using the concept of present value of future annuities, where we combine spending pattern with available time & inflation-adjusted-returns to estimate the corpus size.
Plan Objectively How Much To Save & For How Long
How much should I save each month? How long do I need to work? Two more fundamental questions gets answered in this part of the exercise.To begin with, your risk profile is assessed, which decides the asset allocation plan, and consequently return expectations of your investment portfolio. A simple questionnaire is used for this. After the potential portfolio return has been assessed, subsequent tasks boil down to calibrating monthly savings with time using the concept of future value of growing annuities. These 2 parameters are inversely related, i.e. starting late requires more contribution each month.
When it comes to retirement planning, it always pays to start early!
Execute Invest Long Term in Equities
How should I invest my retirement savings?. Equities have proven to be the best performing asset class in terms of risk adjusted returns over long term. Over the past 37 years starting 1981 till 2017, at constant purchasing power, Indian equities offered close to 20x returns on initial capital, while gold produced 2x and FDs barely managed to beat inflation. It is essential to allocate a specific portion of your assets in equities, and we offer guidance on capital allocation . Further, our subscription based stock research service, provides portfolio of well researched ideas for you to review and invest. Ideas are backed by detailed research reports, quarterly reviews and follow ups.
Features For 3 Step Retirement Planning And Investing.
How does it work and What happens after subscribing
Immediately after subscription, you will receive access to the Member Dashboard section of the Portal. Check-in to Pro+ section from the dashboard. You will instantly find 7 stock ideas supported by detailed research reports.
2nd month onward, you will receive around 1 new stock idea every month till you have received 8 new stocks. Altogether 7+8=15 ideas will be provided backed by detailed research report for you to review & invest once convinced
Within 24 hours of subscription, you will receive an email containing a brief questionnaire and additional information needed for risk profiling. You need to upload the documents, along with a scanned copy of your PAN card
As much as we would like to maintain defined periodicity in publishing the reports that may not always be feasible due to market conditions. In any case, your subscription will not expire until you have received all 15 reports
Within 3 days of response, you will receive personalized Retirement Plan. This will contain retirement corpus estimate, asset allocation plan based on risk profiling, monthly contribution guidance and assessment of how long you need to work
Each quarter, you will receive updates on quarterly earnings, along with analysis of results, and additional management commentary based on earnings concall where available. End of the year, you will receive portfolio performance report
Complete Retirement Plan + Long Term Equity Portfolio Design at an Unbelievable Price of Rs 5999 2999 per Year!
Comparison of ViniyogIndia.com offer with Traditional Equity Mutual Funds:
Equity Mutual Funds
Execution (Buy/Sell transactions)
Personalized Asset Allocation
Personalized Retirement Plan
Detailed Research Reports
Quarterly Earnings Update
Follow Up communication
Fees (10 Lakh assets)
Upto Rs 25,000 P.A.
Rs 2,999 P.A.*
* 88% savings. Limited period offer
ViniyogIndia.com is an online Research & Advisory Portal, focusing on the Equity Asset class.
Research & Advisory services offered through the Portal are supported by SEBI registered Investment Advisor(s)
For queries or clarification, please write to firstname.lastname@example.org or call (033) 2390 1114. Mon - Fri, 10:30 AM to 6:30 PM IST