1. Calculate Your “Retirement Number” (Adjusted for 2026)

The biggest mistake people make is underestimating how much they will need. A monthly expense of ₹50,000 today could easily exceed ₹1.5 Lakh in 20 years due to inflation.

• The Welfin Approach: We help you calculate your “Corpus Goal” by factoring in current lifestyle, healthcare inflation (which is higher than general inflation), and life expectancy. We aim for a “4% Withdrawal Rule” strategy, ensuring your principal remains largely untouched.
  
  

2. Diversify Beyond the Traditional “Pension.”

The days of relying solely on EPF or a government pension are fading. To beat inflation in 2026, your retirement portfolio must be dynamic:

• Equity Mutual Funds (The Growth Engine): For those 10+ years away from retirement, equities are essential to build the bulk of the corpus.
  
  
• NPS (The Tax-Efficient Shield): The National Pension System offers additional tax benefits and a structured way to build a pension.
  
  
• Debt & Liquid Assets: As you approach retirement, we transition your funds into lower-risk instruments to protect the capital.
  
  

3. Account for the ” Healthcare” Factor

Healthcare is the largest expense in retirement. With the expansion of world-class medical facilities, costs have also risen.

• The Strategy: We integrate a robust Health Insurance plan with a high Super Top-up into your retirement plan. This ensures that a single hospital visit doesn’t wipe out years of retirement savings.
  
  

4. The Power of “Early Retirement” (FIRE)

Many young professionals in Salt Lake and New Town are now aiming for FIRE (Financial Independence, Retire Early).

• How to achieve it: It requires a high savings rate (30-50% of income) and aggressive investing in early career stages. Welfin provides the roadmap to help you retire by 45 or 50, allowing you to pursue your passions while your money works for you.
  
  

5. Estate Planning: Leaving a Legacy

A complete retirement plan includes deciding how your wealth will be passed on. In 2026, estate planning (Wills and Trusts) is no longer just for the ultra-wealthy. We help you ensure that your assets are transferred seamlessly to your loved ones without legal hurdles.

Why Welfin is Most Trusted Retirement Partner

Planning for 30 years without a regular salary is daunting. That’s where the “human touch” of an advisor becomes invaluable.

• Inflation-Adjusted Planning: We don’t just look at today’s numbers; we look at the purchasing power of your money in 2040 and 2050.
  
  
• Behavioral Coaching: We help you stay the course during market volatility, ensuring you don’t panic-sell your retirement nest egg.
  
  
• Local Expertise: We understand the social and economic fabric of, helping you plan for a retirement that fits your local lifestyle and family needs.