Retirement Planning · SEBI Registered Fee-Only Advisors

You've Built the Corpus.
Now Make Sure It Lasts.

At 47, the question isn't how to grow your wealth any more — it's whether it will survive 30 years of inflation, healthcare costs, and market cycles. A SEBI-registered, fee-only advisor builds the retirement plan that makes quitting work irreversible.

Talk to Foliyo → Why Retirement Is Hard to Get Right →
How long does your portfolio last?iWell-Managed scenario
9% annual portfolio return · 7% annual withdrawal growth · 4% initial withdrawal rate.

Ad-Hoc scenario
6.5% annual return · 8% withdrawal growth · 5% initial withdrawal rate.

Starting corpus: ₹10 crore. Illustrative only — actual outcomes depend on market conditions and individual expenses.
Well-Managed
Ad-Hoc

₹10Cr corpus · 30-yr simulation · withdrawals inflation-adjusted

₹19.6 Cr
Well-Managed · yr 30
₹0
Ad-Hoc · depleted yr 19
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✓ SEBI Registered RIAs Only
₹ Fee-Only, No Commission
📞 Free 30-Min Intro Call
✓ SEBI Registered RIA (INA000023454) · Zero Commissions
— What Most People Get Wrong

Three risks that quietly destroy retirement plans.

📈

Inflation Erosion

Your lifestyle doesn't stay flat after you retire. Dining out, travel, children's weddings, home renovations — these costs compound. At 7% general inflation, ₹2 lakh a month today requires ₹5.7 lakh a month in 15 years just to maintain the same standard of living. Most retirement projections use a number that feels right today, not one that accounts for what life actually costs at 70.

7% General Inflation
🏥

Healthcare Cost Spiral

Healthcare inflation in India has historically run at 10–14% per year — nearly double the general CPI. The group insurance cover you relied on at your employer lapses the day you leave. Buying equivalent cover at 58 with pre-existing conditions is either expensive, exclusion-heavy, or both. This is the single most underplanned dimension of retirement for Indian HNIs, and the most punishing when it goes wrong.

★ Most Underplanned Risk
📉

Sequence-of-Returns Risk

If markets fall 30% in your first two years of retirement and you're drawing down the corpus simultaneously, the recovery may never fully restore you. A portfolio that loses ₹2 crore in year one while you withdraw ₹40 lakh for expenses starts from a permanently lower base — even if markets bounce back 40% the following year. This is why the order of returns matters as much as the average return, and why retiring into the wrong market moment can be irreversible.

Order of Returns Matters
A fourth risk most people ignore: longevity. A couple where both partners are 50 today has a meaningful probability that one of them lives into their late 80s. Your corpus needs to survive not 20 years — but potentially 35 to 40. Planning for the average lifespan is planning to run out of money at the wrong moment.
— The Numbers You Need to Know

What does a real retirement corpus actually need to be?

Monthly spend at retirement (inflation-adjusted)
₹3.9L

₹2L/month today at 7% inflation for 10 years. This is what the same lifestyle costs at retirement — before healthcare, before any upgrade in living standards.

Corpus needed at retirement (30-year horizon)
₹12–16 Cr

To sustain ₹3.9L/month for 30 years, with 7% portfolio return and ongoing inflation. The range reflects different healthcare assumptions and withdrawal rate choices.

Safe withdrawal rate in the Indian context
2.5–3%

The US "4% rule" doesn't translate. Higher inflation, lower fixed-income yields, and rupee depreciation mean Indian retirees need a more conservative withdrawal rate to avoid depletion.

— The Conflict of Interest

Whose interests does your retirement advisor actually serve?

Private Bank RM / Insurance Agent

  • ✕

    Pushes ULIPs and endowment plans as "retirement solutions"

    High-commission insurance products are routinely sold as retirement vehicles. The agent earns 20–40% of your first-year premium.

  • ✕

    Recommends in-house products first

    A private bank RM's quota is tied to their bank's own AMC, insurance arm, or PMS. The best fund for your retirement may be from a competitor — you will rarely hear about it from them.

  • ✕

    No coordinated retirement plan — just product transactions

    Your NPS, EPF, mutual funds, real estate, and insurance exist in separate silos. No one is stress-testing the whole picture against inflation and longevity simultaneously.

  • ✕

    No legal duty to act in your interest

    Distributors and bank RMs are not fiduciaries. Telling you a product is wrong for retirement costs them a sale. That conversation rarely happens.

Foliyo SEBI-Registered RIA (INA000023454)

  • ✓

    Paid only by you — a fixed, transparent fee

    Zero commission from any fund house, insurer, or product manufacturer. Every rupee of their income is the advisory fee you pay directly. No hidden trail, no upfront load.

  • ✓

    Builds a coordinated retirement plan across all your assets

    Your EPF withdrawal timeline, NPS allocation, SIP glide path, real estate liquidity, and insurance review are treated as one integrated plan — stress-tested against inflation and longevity scenarios.

  • ✓

    Designs your withdrawal strategy before you retire

    SWP from equity, FD laddering for short-term needs, annuity calibration, tax-efficient income structuring — this work needs to be done before you stop earning, not after.

  • ✓

    Legally bound by SEBI's fiduciary standard

    SEBI RIA regulations require advisors to always act in your best interest and disclose all conflicts. This is not a marketing claim — it's a legal obligation with regulatory teeth.

— What You Get

Your RIA is your retirement's Chief Financial Officer.

One advisor. Every dimension of your retirement — coordinated, stress-tested, and updated as life changes.

Yearly Retainer · No Commissions · One Annual Fee
✓
Retirement Corpus Projection Stress-tested across inflation, healthcare, and market-downturn scenarios.
✓
Withdrawal Strategy Design SWP, FD laddering, and annuity calibration — optimised for post-tax monthly income.
✓
Asset Allocation Glide Path Systematic equity-to-debt shift in the 5–7 years before retirement, reducing sequence-of-returns risk.
✓
NPS & EPF Optimisation When to contribute, when to withdraw, tax implications of annuity vs lump sum — fully modelled.
✓
Healthcare Insurance Planning Right cover, right insurer, right riders — secured before pre-existing conditions narrow your options.
✓
Tax-Efficient Income Structuring Choosing between FD interest, dividends, capital gains, and annuity income for optimal post-tax take-home.
✓
ESOP & Equity Concentration Unwinding Monetising concentrated single-stock positions before retirement without a large tax hit in a single year.
✓
Estate Planning Coordination Will, nominee alignment, and trust structures — so your corpus reaches who you intend, cleanly.
✓
Investment Advice Mutual funds, bonds, and alternate income instruments — all direct plans, no trail commissions.
✓
Active Wealth Monitoring Year-round oversight — rebalancing, tax-loss harvesting, and plan updates as markets and goals shift.
— The Process

Your retirement plan in four simple steps.

No cold calls, no product pitches. Share your situation and have a real conversation with a Foliyo advisor — for free.

01

Share your Situation

Tell us your age, income, current corpus, retirement timeline, and the goals you're planning around.

02

AI-Assisted Advice

We prepare fee-only advice tailored to your specific retirement profile.

03

Free Discovery Call

A free 30-minute conversation with a Foliyo advisor to evaluate fit — no commitment, no sales pressure.

04

Hire With Confidence

Engage Foliyo on a transparent retainer. Your retirement plan begins within the first session.

— Direct Advisory

Direct, fiduciary advice from Foliyo's SEBI RIA team.

Sachin Kabra
Sachin Kabra
Co-founder, Foliyo
Advisory DeskFoliyo Direct RIA
Backgroundex-Director HDFC Wealth
Model100% Fee-Only
SEBI RegINA000023454

"Retirement planning is not about hitting an arbitrary corpus number. It's about lifestyle certainty — modeling inflation-adjusted cashflows, stress-testing sequence of returns risk, and ensuring your corpus never runs out."

Cashflow Modeling SWP Strategy Sequence of Returns Inflation Hedging Direct MF Only
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— Built by Institutional Wealth Managers

Deep Wealth Management and Finance experience.

The Foliyo team has decades of experience in wealth management for HNIs and building technology products for the world.

Sachin Kabra
Sachin Kabra
Mohan Gupta
Mohan Gupta

Co-founders

Previously at

HDFC Private Wealth Motilal Oswal Facebook Flipkart
— Common Questions

Common questions about retirement planning

Real questions from Indian investors, answered by SEBI-registered investment advisers.

SSachin Kabra asks Ravi Natarajan
Is a ₹50 lakh corpus enough if my retirement expenses are ₹5 lakh a year?

If you need ₹5 lakh a year in retirement, can a ₹50 lakh corpus last, and what would make it work?

Read More »
RRaghavendra from Bengaluru
Retiring with Rs 1Cr corpus: Does the 4% withdrawal rule actually survive Indian market crashes?

Retiring on a ₹1 crore corpus: does the 4% rule, built on US data, survive Indian market crashes like 2008 and COVID?

Read More »
SSijo from Bhubaneswar
Rs 2Cr retirement corpus: Should I live off FD interest or use a mutual fund SWP?

My father wants to put his ₹2 crore corpus in an FD and live off the interest. Is a mutual fund SWP better after tax?

Read More »
SSachin Kabra asks Ravi Natarajan
How many years of retirement expenses should I keep in safer investments?

How big should the safe bucket be for near-term withdrawals, so the rest of the corpus can stay invested for the long term?

Read More »
RRaghavan from Mumbai
Retiring in 3 years with Rs 3 Cr corpus: How to protect capital without settling for low FD rates?

57, retiring at 60 with ₹3 crore mostly in equity funds. How do I guard against a crash without settling for FD returns?

Read More »
— Begin Here

Your retirement. Your corpus. Your terms.

Foliyo's SEBI-registered RIA team will stress-test your retirement plan honestly — including telling you if you need more time, a larger corpus, or a different withdrawal strategy. The intro call is free. You speak directly to our advisory desk within 24 hours. No commitment required.

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✓ SEBI Registered RIA (INA000023454) ✓ Zero Product Commission ✓ Free 30-Min Intro Call ✓ No Spam, Ever