Retirement may seem far away, but the choices you make today determine the life you live tomorrow. Will you travel the world in comfort? Will you pursue hobbies without financial worry? Will you wake up each day with purpose, not pressure? Or will you struggle to make ends meet, dependent on family or working well past your desired retirement age? Cuber Capital helps you build a retirement corpus that lasts — so you can stop working when you want, not when you have to.
- The Challenge We Solve
Living longer, saving too little,
People are living longer — often to 90 or 95 years. A 30-year-old today has a significant chance of living to 100. Healthcare costs are rising at double the rate of general inflation (12-15% annually). Corporate pensions are disappearing. The government’s social security (such as it is) is grossly insufficient. Most people have no idea how much they need to save for retirement — or whether they are on track.
Even those who save often make critical mistakes: being too conservative (investing only in FDs and PPF) and running out of money after 10-15 years of retirement, or being too aggressive (100% equities) and suffering devastating losses just two years before retirement. Many forget to account for inflation, which cuts purchasing power in half every 10-12 years. A monthly expense of ₹50,000 today will be ₹1 lakh in 12 years, ₹2 lakh in 24 years — just to maintain the same lifestyle.
- Our Approach
Using conservative, time-tested assumptions (inflation at 6-7%, life expectancy up to 90-95 years, post-retirement returns at 4-5% above inflation), we calculate the exact lump sum needed at retirement. Example: If you need ₹1 lakh per month in today's value, retiring in 20 years at age 60, with life expectancy 90, your required corpus may be ₹5-7 crore. We show you the math clearly — no black boxes, no unrealistic promises. You will understand every assumption and can adjust them to your comfort level.
We evaluate all your existing retirement savings: EPF (Employees' Provident Fund), PPF (Public Provident Fund), NPS (National Pension System), voluntary provident fund (VPF), pension plans from previous employers, real estate that could generate rental income in retirement, and any dedicated retirement mutual funds (retirement benefit funds, target-date funds). We calculate your current projected corpus at retirement if you continue on your present savings and investment path — and highlight the shortfall or surplus. Most people are shocked by the gap.
Starting 5-7 years before your planned retirement date, we gradually shift your portfolio from growth-oriented to income-oriented. We reduce equity exposure systematically (e.g., from 60% to 30-40%), increase debt and dividend-paying assets (PPF, bonds, senior citizen savings scheme, post office monthly income scheme), and build a contingency fund equal to 2-3 years of expenses (to avoid selling assets during market downturns in early retirement). This "sequence of returns risk" management is critical — a market crash in the first year of retirement can permanently deplete your corpus.
- Our Capabilities
A complete retirement toolkit
Retirement Investment Strategy
We design an age-appropriate asset allocation that de-risks as you approach retirement — a "glide path." For a 30-year-old: 70-80% equities, 20-30% debt. For a 50-year-old: 40-50% equities, 50-60% debt. For a 60-year-old (retired): 30-40% equities, 60-70% debt. This glide path balances growth (to beat inflation) with stability (to protect against sequence-of-returns risk). We rebalance annually to maintain targets and adjust the glide path as you age.
Health & Longevity Risk Planning
Healthcare costs are the single biggest unknown in retirement. We help you plan for them by recommending adequate health insurance (senior citizen plans with low co-pay and high sum insured), critical illness cover (to handle catastrophic events), and a dedicated healthcare contingency fund (₹25-50 lakh, separate from your main corpus). We also discuss long-term care needs (assisted living, nursing home) and whether to self-insure or buy specialized products.
Inflation Protection Strategies
Inflation is the silent killer of retirement portfolios. A 6% inflation rate cuts purchasing power in half every 12 years. We protect against inflation by maintaining a healthy allocation to equities (which have historically beaten inflation over long periods), investing in inflation-indexed bonds (like RBI's Inflation Indexed National Savings Securities), and holding real assets (gold, real estate via REITs) that tend to appreciate with inflation. We review your inflation assumptions annually and adjust your withdrawal rate accordingly.
Our process
Vision Discovery
We sit down with you (or over video call) to define your desired retirement lifestyle in detail. Not just numbers — feelings, activities, dreams. Where will you live? What will you do each day? How often will you travel? Will you support children or grandchildren financially? What charities matter to you? We document your vision in a “Retirement Statement” — a one-page summary of your goals, fears, and non-negotiables. This becomes the North Star for everything else.
Current Financial Assessmen
We evaluate all your existing retirement savings and income sources: EPF (current balance and monthly contributions), PPF (balance and remaining term), NPS (tier I and tier II), VPF, pension plans (defined benefit or defined contribution), real estate (potential rental income), and any dedicated retirement mutual funds. We also assess your current monthly savings rate — are you saving 15-20% of your gross income, or less? We calculate your current projected corpus at retirement if you continue on your present path, using conservative return and inflation assumptions.
Strategy Design
We design a comprehensive retirement strategy that includes: monthly savings target (how much to save each month), asset allocation glide path (how your portfolio evolves over time), specific investment products (which funds, which EPF/PPF/NPS options), tax optimization (pre-tax vs. post-tax contributions, withdrawal timing), and insurance planning (life, health, critical illness). We also design your pre-retirement transition plan (5-7 years before retirement) and post-retirement withdrawal plan.
Annual Review & Adjustment
Retirement planning is not “set and forget.” Markets change. Your income changes. Your family changes. Your health changes. We meet with you annually to review progress: current corpus vs. target, monthly savings rate, investment performance, and any life changes. We adjust the plan as needed — increasing savings after a raise, reducing risk as you approach retirement, or revising the target if your vision changes. You always know exactly where you stand.
At Cuber Capital, we do not sell retirement products. We do not earn commissions on annuities or pension plans. We are independent advisors who help you build a retirement strategy that is right for you — not for some insurance company’s sales quota.
