Retiree Solutions
Tax-efficient income with clarity on corpus sufficiency.
As a retiree, your needs are completely different from those who are earning. As are your priorities.
After working hard your entire life, the last thing you want is to worry about how long your funds will last, or how to make the best possible use of your nest egg, despite inflation, taxes and changes in the markets.
We can help you develop an investment plan that identifies the best investment options for your retirement corpus.
Retirement-focused Investment Solutions
- Increasing tax efficiency by drastically reducing the tax you pay on your existing investments
- Creating a “monthly income” without impacting your capital
- Ensuring this income grows with inflation to help maintain your purchasing power
- Keeping your capital safe to fund living expenses
- Keeping an eye on how long the corpus will last
- Ensuring you have some liquidity to help fund unplanned expenses
- Customising your asset allocation to meet all your current and future needs, given your risk profile and risk appetite
However unless people have sought out specialised financial advice, too often, advisors offer templated solutions to retirees, for instance: bank fixed deposits but these are taxable, or annuity plans but these are locked in or non flexible, and don’t let you access your money in an emergency.
While the focus around retirement may always have been “when” to retire; but at IME, we understand that the “how” is important – how your quality of life is important once you stop earning, how to make the most of your corpus, how to make that corpus last longer.
