Retire When
You Want.
Not When
You Have To.
A retirement corpus is not about saving money — it is about buying freedom. The freedom to stop working when you choose, live how you want, and depend on no one. A disciplined SIP started today makes that possible.
The best time to start was yesterday. The second best time is today.
Pan-India
+ NRI Clients
NISM V-A & XIII
Certified
ARN-52501
AMFI Registered MFD
The Reality Every Working Person Faces
Retirement Is Certain.
A Comfortable One Is Not
— Unless You Build It.
Most People intend to save for retirement — but delay it, underestimate how much they need or rely on instruments that may not keep pace with inflation. EPF and PPF provide a foundation, but rarely enough for a fully comfortable retirement. A dedicated SIP + lumpsum corpus builds the additional freedom your lifestyle will require.
Our Approach
A Structured Retirement
Corpus
Journey — Built Around Your
Life and Timeline.
We sit with you, understand your current age, retirement age target, lifestyle expectations and monthly investment capacity — then build a goal-based SIP + lumpsum structure designed to fund your retirement completely, on your terms.
Understand Your Retirement Vision
Your current age, target retirement age, expected lifestyle, and monthly investment capacity — all mapped clearly at the very first conversation, with no jargon.
Calculate the Corpus Required
We factor in your expected monthly expenses, inflation, life expectancy, and timeline — and work out a realistic corpus target so you always know exactly what you're building toward.
Set Up SIP + Lumpsum Structure
Monthly SIP in a suitable fund category + lumpsum framework for bonuses — both set up to run automatically, every month, stepping up annually as your income grows.
Review, Increase & Stay on Course
Annual review — increasing your SIP as income grows and adjusting your approach as you move closer to retirement. Your corpus evolves as your life does.
Build The Freedom To Retire On Your Own Terms.
The goal is not just financial security — it is the freedom to live your post-work years without depending on your children, your savings shrinking, or your lifestyle diminishing.
“The right retirement corpus gives you one thing money rarely buys — the freedom to say no. To work only if you want to. To live exactly as you choose.”
Who It Works
Your Retirement Fund Journey
With Thanki Wealth
Free Consultation
We understand your age, retirement vision, lifestyle expectations, and monthly capacity.
Corpus Calculation
We calculate your total corpus factoring in inflation, lifestyle costs, and life expectancy.
SIP + Lumpsum Setup
Goal-based SIP + lumpsum framework — automated, stepping up annually as income grows.
Annual Review
We review, increase your SIP as income grows, and adjust strategy as retirement nears.
Why Starting Now Matters
Every Year You Wait
Costs
More Than You Think.
Start Early, Invest Less
A retirement corpus started at 30 requires significantly less monthly investment than the same target started at 45. Time is your most powerful asset — and it only works in your favour when you begin early.
Retire On Your Own Terms
With the right corpus, you choose when to retire, how to live, and what to do — not based on financial necessity, but on personal choice. That freedom is what we help you build, one SIP at a time.
Two Ways to Build Your Retirement Corpus
SIP + Lumpsum Together —
The Most Effective Way to
Build
Your Retirement Freedom.
A monthly SIP builds your corpus steadily over 20-25 years. A lumpsum from a bonus or windfall accelerates it significantly — and can help close the gap if you started late. Together, they give you the most powerful path to retirement freedom.
SIP
- Builds corpus automatically — month after month, decade after decade
- Step up annually as income grows — corpus accelerates
- Start with as little as ₹500 per month
Lumpsum
- Deploy bonus, increment, or windfall in one go
- Can close the gap significantly if you started late
- Works alongside your SIP — not instead of it
Retirement
- Corpus ready on your timeline — no shortfall
- Complete financial independence — no dependence on anyone
Our Philosophy
Process. Discipline. Consistency.
That's How Retirement Freedom Is Built.
We don’t predict market movements or promise outcomes. We build a structured, disciplined SIP + lumpsum approach — and stay with it, consistently, through every market cycle and every life change.
Process
Right corpus target, fund category, SIP amount, lumpsum deployment framework, annual step-up schedule, and review calendar — all built around your retirement age and lifestyle from day one.
Discipline
Your SIP runs automatically every month. Lumpsum investments are deployed as surplus arrives. Together they build your retirement corpus without daily attention or market timing.
Consistency
Annual reviews, SIP step-ups as income grows, lumpsum deployments as surplus arrives, and staying invested through every cycle — this is what transforms modest contributions into retirement freedom.
Who is This For
Anyone Who Wants To Retire
With Dignity, Freedom
& Financial Independence.
Whether you’re just starting your career or approaching retirement — there is a structured SIP approach suited to your timeline. The right time to begin is always today.
Young Professionals
Starting in your 20s or early 30s gives your corpus maximum time to grow. A modest monthly SIP started now builds a substantial retirement fund — with the smallest possible monthly commitment and the most time for compounding to work.
Professionals in Their 40s
You still have 15–20 years — and likely your highest earning years ahead. A structured, higher-SIP approach calibrated to your remaining timeline can still build a meaningful retirement corpus. Every year now counts more than ever.
NRI Professionals
Living abroad and building a retirement corpus in India? We guide NRI professionals through eligibility, documentation, and fund selection — with complete clarity and regular updates from anywhere in the world.
Common Questions
Honest Answers About
Your Retirement Fund.
How much do I actually need for retirement?
It depends on your expected monthly lifestyle expenses, retirement age, inflation, and life expectancy. We help you calculate a realistic corpus target at our first conversation — no guesswork, no generic formulas.
I already have EPF and PPF. Do I still need a separate SIP?
EPF and PPF provide a valuable foundation — but for most families they cover only a portion of a comfortable retirement corpus. A dedicated SIP builds the additional corpus your lifestyle will require, especially for self-employed individuals with no EPF.
I'm 48. Is it too late to start?
Not at all — but the monthly SIP will need to be higher. You likely have your highest earning years ahead. We calculate a realistic target for your remaining timeline and build an approach that maximises what you can build before retirement.
Should I do a SIP or a lumpsum for retirement?
Both — and they work best together. A monthly SIP builds steadily over decades; a lumpsum from a bonus or windfall accelerates growth and can close the gap if you started late. We structure both under one retirement corpus framework.
Freedom Doesn't Happen By Accident.
It Is Built — One SIP At A Time.
Book a free call today. We’ll understand your retirement vision, calculate a realistic corpus target, and walk you through a structured SIP + lumpsum approach — at no cost and no obligation.