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As goals shift from growth to continuity, new questions emerge. How much can you draw sustainably? How do you protect what matters for future generations? How do you structure what you leave behind? How do you balance flexibility with security?
This is where thoughtful strategy goes beyond market returns.
How do I know if my post-retirement drawdown is sustainable?
How can I structure my estate to reduce future conflicts and risks?
What’s the right balance between flexibility and security for my family?
Is my risk coverage really in tune with where I am in my life?
Building an income strategy designed for real life: adaptable, tax-efficient, and aligned to your evolving needs.
Building an income-ready retirement portfolio involves matching assets to drawdown needs:
SWPs from debt or balanced funds
Laddered debt instruments (target maturity funds, bonds)
Annuity overlays (where suitable)
Real assets for inflation hedge (carefully sized)
Alongside: planning for tax on withdrawals, healthcare expenses, and future flexibility.
Working with legal experts to craft coordinated structures that reflect your values—and ensure your wealth transitions smoothly across generations.
Estate structures depend on asset complexity, residency, and family dynamics. Components may include:
Trust structures (private trusts, SPVs)
Wills (domestic and international where applicable)
Nominee structures vs. beneficial ownership
Cross-border planning for NRIs or multi-jurisdiction families
The focus: clarity, control, and future-proofing—not just legal compliance.
Curating risk coverage—not as a product push, but as a strategic layer of your overall wealth plan. From life and health to asset protection, we focus on what fits your life—not someone’s sales target.
Risk protection spans both portfolio and personal exposures:
Term life for income replacement
Health insurance with adequate international cover (for global lives)
Liability covers (personal accident, keyman where relevant)
Portfolio risk → managing asset concentration, stress-testing liquidity needs
Good risk management evolves with wealth—not just set and forget.
Disclaimer: This calculator is for illustration purposes only, based on approximations, and should not be considered financial advice.