When we are in the early stages of our careers, the word “retirement” often makes us think
“Abhi to bahut time hai, kar lenge plan Kuch din baad, kyu sochna hai abhi, Abhi Salary bahut kam hain”
Most of us ignore retirement planning, avoiding discussions about it altogether. But here’s the truth: retirement planning is one of the most important financial steps in your life — and it should ideally be at the top of your planning bucket.
Why Retirement Planning Matters
Take a moment and observe the retirees around you — in your colony, sector, or town. You’ll notice that most of them struggle financially after managing big life expenses like buying a home or funding their children’s education and marriages.
Many people spend their entire lives meeting responsibilities toward parents, children, relatives, and society, only to find themselves without provisions in old age. This often forces them to depend on others, sometimes even those who were once dependent on them.
“Wo retirement kae baad un logo per dependent ho jate hae jo log kabhi un per dependent the”
Unfortunately, this cycle repeats from one generation to another — unless someone breaks the chain by planning wisely. The good news: smart planning and timely execution can change everything. Only one person of any generation have to think out of bucket to change the own life and of his upcoming generations.
The Current Scenario in India
Recent surveys show that more than 50% of working professionals in India do not have a retirement plan or provisions for old age.
Experts at Nupen Asset Management Services (NAMS) have studied this in detail and recommend strategies based on age buckets, so that retirement planning becomes simple and achievable for every common man.
The Golden Rule
Start early. Start small. Start consistently.
- Separate at least 10% of your in-hand income for retirement
- Invest it monthly through a SIP in mutual funds
- Do not break this investment — ever
- Increase the SIP amount as your income grows
The Magic of Compounding
Let’s see how early planning makes a huge difference:
Assumptions
Calculate here SIP retrun (https://nupen.in/
Example # 1
- Age: 25 years
- Retirement age: 60 years
- Monthly in-hand income: ₹1,00,000
- SIP: 10% of income = ₹10,000/month, with 10% annual step-up
- Expected annual return: 14% (Nifty50 historical returns)
- Investment horizon: 35 years
Results:
- Total Investment: ₹3.25 crore
- Total Corpus at 60: ₹26.90 crore
- Profit – ₹23.60 crore
Example # 2
- Age: 45 years
- Retirement age: 60 years
- Monthly in-hand income: ₹1,00,000
- SIP: 10% of income = ₹10,000/month, with 10% annual step-up
- Expected annual return: 14% (Nifty50 historical returns)
- Investment horizon: 15 years
Results:
- Total Investment: ₹38.25 Lakhs
- Total Corpus at 60: ₹1.02 crore
- Profit – ₹ 64 Lakhs
Small, disciplined investments in the early years grow exponentially over time thanks to the power of compounding.
Starting early is not just smart — it can make your retirement years stress-free, financially independent, and truly enjoyable.
Retirement planning is not optional — it’s a necessity. With smart

planning and small disciplined investments, you can break the cycle of dependency and create a financially independent, fulfilling life for yourself and your family.
Visit www.nupen.in for more financial literacy blogs and connect with our team for customized retirement planning, portfolio & wealth management solutions.
Read our most valuable blog for Interest Free Car Loan https://nupen.in/smart-guide-to-an-interest-free-car-loan/
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