'International Money Matters Pvt. Ltd. (IMMPL) is a SEBI registered financial planning and investment advisor helping clients achieve their financial goals. IMMPL identifies , prioritizes , outlines and achieves financial goals through a disciplined , personalized and research based approach. IMMPL has various prestigious awards under its belt and was recently awarded the winner of Outlook Money Awards 2017 in Registered Investment Advisor category.'

1. Financial Planner’s
Perspective on Retirement
Info@immpl.com
080 4049 3939
www.immpl.com

2. 2
What does Retirement mean to you?

3. 3
Visualizing your “ordinary day” into retirement
Gardening Travelling
Passion Community Service

4. 4
People aspire to have an active retirement
Travelling
Spending more
time with family
and friends
Volunteer Work
Continue
working in the
same field
Living in a new
location
Studying
Continue
working, but in
another field
Starting a
business
Pursuing new
hobbies

5. 5
Source: The Aegon Retirement Readiness Survey 2017
Expected proportion of retirement income by source

6. 6
What are the preparations involved?
Corpus Cashflow
Continuity

7. 7
How much will you need -
Depends on:
Existing investments
Monthly amount needed
Life expectancy (time in retirement)

8. 8
Inflation eating into buying power
Rising costs of medical expenses
Changing scenarios
Why retirement planning becomes critical

9. 9
Effect of inflation on purchasing power

10. 10
REALITYBITES
What could happen in
retirement
Losing a partner Loss of health
Unforeseen
financial
commitments
Returns being
lower than
inflation
Particular asset
class not
working out for
you
Changing scenarios

11. 11

12. 12

13. 13
Wills and Estate Planning
Nominations Writing a Will
Trusts

14. 14
.
• Identify retirement corpus
• Check if your asset allocation is in line with your
goals.
• Evaluate your insurance cover- Health / Life and
Critical Illness, start saving towards contingency
fund
• Evaluate your liabilities and close them before
retirement
• Introspect what you intend to do post retirement