HomeServicesInvestmentRetirement Planning Options

"Nishchint Jeevan Ke Liye Aaj Hi Surakshit Nivesh Karein!"


About Retirement Planning Options

Planning for a financially secure retirement is essential to ensure a stress-free and independent future. SIMFINN offers a variety of retirement planning options that help individuals build a stable and sufficient retirement corpus while enjoying tax benefits and long-term growth. Whether you are looking for fixed-income stability, market-linked returns, or diversified investment portfolios, SIMFINN provides customized retirement solutions that align with your financial goals. With expert financial planning, risk assessment, and personalized strategies, SIMFINN ensures that you enjoy a comfortable lifestyle post-retirement without financial worries.

Retirement planning with SIMFINN includes various options such as Pension Plans, Public Provident Fund (PPF), National Pension System (NPS), Fixed Deposits (FDs), Mutual Funds, and Annuities. These investment avenues provide regular income, wealth accumulation, and inflation protection, ensuring long-term financial security. Whether you prefer government-backed schemes for safety or high-growth market instruments for wealth creation, SIMFINN helps you choose the right mix of investments to maximize your retirement savings.

Types of Retirement Planning Options

Pension Plans

Offers a regular payout post-retirement, ensuring a steady income stream.

Public Provident Fund (PPF)

A long-term government-backed savings scheme with tax benefits and fixed returns.

National Pension System (NPS)

A market-linked retirement savings plan that provides both lump sum and annuity benefits.

Fixed Deposits (FDs) for Seniors

Safe investment with guaranteed returns and higher interest rates for senior citizens.

Mutual Funds & Systematic Withdrawal Plans (SWP)

Market-linked investments with growth potential and flexible withdrawals.

Annuity Plans

Provides lifetime income after retirement, ensuring financial stability.

Retirement Planning Options

Pension Plans

Offers a regular payout post-retirement, ensuring a steady income stream.

Public Provident Fund (PPF)

A long-term government-backed savings scheme with tax benefits and fixed returns.

National Pension System (NPS)

A market-linked retirement savings plan that provides both lump sum and annuity benefits.

Fixed Deposits (FDs) for Seniors

Safe investment with guaranteed returns and higher interest rates for senior citizens.

Mutual Funds & Systematic Withdrawal Plans (SWP)

Market-linked investments with growth potential and flexible withdrawals.

Annuity Plans

Provides lifetime income after retirement, ensuring financial stability.

Retirement Planning Options Eligibility Criteria

Financial Security Post-Retirement

Retirement planning ensures a steady income stream after retirement, allowing individuals to maintain their lifestyle and cover essential expenses without financial stress.

Tax Benefits & Savings

Many retirement plans like Public Provident Fund (PPF), National Pension System (NPS), and Pension Plans offer tax deductions under Section 80C & 80CCD, helping investors reduce their taxable income while saving for retirement.

Compounding for Wealth Growth

Long-term investment options such as mutual funds, annuities, and pension schemes benefit from compounding, ensuring higher returns over time and maximizing retirement savings.

Flexible Investment Choices

Investors can choose from fixed-income plans (PPF, Fixed Deposits, Annuities) or market-linked options (Mutual Funds, NPS, REITs) based on their risk appetite and retirement goals.

Inflation Protection

Retirement plans, especially market-linked investments like NPS and Mutual Funds, help protect against inflation by ensuring that returns outpace rising living costs.

Liquidity & Withdrawal Flexibility

Certain retirement plans, like Systematic Withdrawal Plans (SWP) in Mutual Funds, allow for regular withdrawals, ensuring financial freedom while keeping the remaining corpus invested for growth.

Features & Benefits of Retirement Planning Options

Minimum & Maximum Age Requirement

Most retirement planning options require individuals to be at least 18 years old to start investing. Some schemes like National Pension System (NPS) have an upper age limit of 65 years, while annuity plans may have varying age limits.

Employment Status

Retirement plans are available for both salaried and self-employed individuals. However, certain corporate pension plans are exclusive to employees of registered companies.

Investment Tenure & Contribution

Some retirement plans, such as Public Provident Fund (PPF) and NPS, require a minimum investment tenure of 15 years. Investors must also make regular contributions to maintain the policy.

KYC & Identity Verification

Investors must complete KYC verification by submitting PAN Card, Aadhaar Card, and address proof to open and maintain retirement investment accounts.

Taxpayer Status

Some retirement options, like PPF and NPS, are available only to Indian taxpayers, while other investments like annuities and mutual funds are open to all residents.

Minimum Investment Requiremen

Each retirement planning option has a specific minimum investment requirement. For example, NPS requires a minimum yearly contribution of ₹1,000, while some pension plans have higher minimum premium requirements.

Life Insurance Premium Calculator

Annual Premium: 0 INR

Our Clients

Our home loan clients trust us to provide tailored financial solutions that make homeownership more accessible and affordable. With competitive interest rates, flexible repayment options, and a seamless application process, we help individuals and families achieve their dream of owning a home. Our commitment to customer satisfaction ensures personalized service and expert guidance at every step.

98%

Satisfied Customers

84%

Home Loans Disbursed

88%

Loan Approval Rate

Documents Required For Alternate Investment Products

  • Aadhaar Card
  • PAN Card (Mandatory
  • for tax and KYC compliance)
  • Passport
  • Voter ID Card
  • Driving License
  • Aadhaar Card
  • Utility Bills (Electricity/Water/Gas – Not older than 3 months)
  • Passport
  • Ration Card
  • Bank Statement with Address Proof
  • Latest Income Tax Returns (ITR)
  • Salary Slips (Last 3 months)
  • Bank Statements (Last 6 months)
  • Net Worth Certificate (For High-Net-Worth Individuals - HNIs)
  • Latest Salary Slips (For Salaried Individuals – Last 3 months)
  • Income Tax Returns (ITR) for the last 2-3 years
  • Bank Statements (Last 6 months)
  • Bank Account Details (Cancelled Cheque or Passbook Copy)s
  • Demat Account Details (For Mutual Funds, REITs, or Stock-based Retirement Investments)
  • NPS Registration Form (For opening an NPS account)
  • Photographs (Passport-sized)
  • Nominee Details & Declaration Form
  • Birth Certificate
  • School Leaving Certificate
  • Passport (If applicable)

Secure Your Family’s Future with SIMFINN Alternate Investment Products Protect Your Loved Ones with a High Sum Assured

Apply Now

FAQs About Alternate Investment Products

Retirement planning is essential to ensure financial independence and a comfortable lifestyle after retirement. It helps individuals build a steady income source to cover expenses, medical costs, and other needs without financial stress.

Some of the best retirement planning options include Pension Plans, Public Provident Fund (PPF), National Pension System (NPS), Fixed Deposits (FDs), Mutual Funds with SWP, and Annuities. The right option depends on an individual’s risk appetite and financial goals.

The earlier you start, the better the returns due to the power of compounding. Ideally, one should start saving for retirement in their 20s or 30s, but even if you begin later, disciplined investments can still build a good retirement corpus.
The amount needed depends on current expenses, inflation, and expected post-retirement lifestyle. A general rule is to save at least 15-20% of your income regularly and aim for a corpus of 20-25 times your annual expenses before retirement.
Yes, certain retirement plans like PPF, NPS, and pension schemes offer tax benefits under Section 80C & 80CCD of the Income Tax Act. However, withdrawals from some plans may be partially taxable, depending on the scheme.
Some retirement plans, such as PPF and NPS, have lock-in periods, but partial withdrawals are allowed under specific conditions like medical emergencies or home purchases. Other options like Mutual Funds with SWP provide greater liquidity.