Building a Retirement Corpus
An NRI couple in their early 40s, residing in Dubai, wanted to begin structured retirement planning in India. Their primary goal was to create a sustainable corpus that could provide regular income post-retirement while maintaining flexibility for emergency withdrawals and tax efficiency.
PMS, Mutual Funds
Years to retire
20
Mutual Funds via SIP
₹ 4,90,039
₹ 50,07,65,858
Objective
To design a goal-based investment plan that balances growth and capital preservation by:
Building the corpus through disciplined SIPs in equity-oriented funds.
Gradually transitioning into hybrid and debt funds closer to retirement.
Setting up a Systematic Withdrawal Plan (SWP) for monthly income post-retirement.
Key Insights
Early retirement planning enables smoother transition from accumulation to income generation.
NRIs benefit from India’s strong mutual fund ecosystem and efficient taxation structure.
The SIP-to-SWP model creates a disciplined and flexible approach to achieving financial independence.
12%
Pre Retirement CAGR
9%
Post Retirement CAGR
7.5%
Assumed Inflation Rate
₹ 4 Lakh
Current Monthly Expense
₹ 16.99 Lakh
Inflation Adjusted Monthly Expense at Retirement
₹ 5 Crore
Current Investment Corpus
Process
Assessment & Planning: The couple’s financial details, risk profile, and liquidity needs were analyzed. Their NRE accounts were mapped for mutual fund investments on a repatriable basis.
Portfolio Design:
Allocated SIPs into diversified equity mutual funds for growth.
Included hybrid and debt categories for stability.
Planned a gradual de-risking strategy beginning 3–5 years before retirement.
Implementation: Investments were set up digitally, ensuring seamless documentation, FATCA compliance, and online monitoring access.
Review Mechanism: Portfolio reviews were scheduled every 6 months to rebalance and align with changing market conditions.
“Working with Acumenn Money gave us a clear and structured approach to planning our retirement. Their team helped us understand how to build and gradually transition our investments for stability and long-term income. It’s reassuring to have a partner who values transparency and discipline as much as we do.”
Anonymous
Senior Professional | Dubai
Conclusion
This case demonstrates how Acumenn Money’s research-driven, goal-based investment approach helps NRIs structure their retirement planning effectively — blending growth, safety, and simplicity through available investment vehicles like mutual funds / PMS / direct equity investments.