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RETIREMENT INCOME PLANNING

Will Your RetirementIncome Last?

Most investors focus on building a retirement corpus. Few focus on converting that corpus into sustainable income. The Three Bucket Strategy is a framework used to organise retirement assets for income, preservation and long-term growth.

SEBI Registered Research Analyst · INH000019813

Educational and analytical framework only. Not investment advice.

WHO IS THIS FOR?

This framework is designed for investors who are nearing or livingin retirement.

GOOD FIT
  • Already retired
  • Retiring within 5 years
  • Seeking retirement income
  • Concerned about inflation
  • Need structured withdrawals
NOT THE RIGHT FIT
  • Early career investors
  • Retirement corpus builders
  • Wealth accumulation phase investors

Investors building a retirement corpus should explore our Retirement Planning framework instead.

THE BIGGEST RETIREMENT RISKS

Most retirees don't run out of money because they spend too much.They run out because their assets aren't structured properly.

Inflation Risk

Rising costs erode purchasing power across a 30-year retirement.

Market Crash Risk

Drawdowns during withdrawal phases compound permanent capital loss.

Withdrawal Risk

Unstructured withdrawals can deplete the corpus far earlier than expected.

Longevity Risk

Outliving the corpus is the single largest retirement planning risk.

Sequence Risk

Early negative returns can damage the corpus permanently, regardless of averages.

Asset Allocation Risk

An unsuitable asset mix in retirement amplifies every other risk.

THE FRAMEWORK

How the Three Bucket Strategyworks.

BUCKET ONE
01

Income Bucket

Pay current expenses.

EXAMPLES
  • Cash
  • Liquid Funds
  • Senior Citizen Schemes
  • Short-term deposits
TARGET3–7 years of expenses
BUCKET TWO
02

Preservation Bucket

Protect purchasing power and replenish Bucket 1.

EXAMPLES
  • Debt funds
  • Bonds
  • Gold
  • Conservative income assets
TARGET7–10 years of expenses
BUCKET THREE
03

Growth Bucket

Support long-term growth and inflation protection.

EXAMPLES
  • Equity
  • Quality businesses
  • Growth-oriented assets
TARGETRemaining retirement corpus

Different jobs. Different buckets. One retirement income framework.

RETIREMENT SUSTAINABILITY ANALYSIS

Test your retirement runway.

Educational analysis based on the inputs you provide. Outputs are illustrative and should not be treated as investment advice.

Calculate Your Retirement Runway
I have rental income propertyCommercial / residential property generating rent — treated as a feeder asset into Bucket 1
I have additional cash flow incomeConsulting, business, pension, part-time work — a fixed income stream for N years, growing at X% p.a.
I have future money eventsProperty sale, inheritance, wedding, medical — lump sum or recurring additions / withdrawals at any future year
MONEY LASTED—Years corpus supports your lifestyle
AGE FUNDS RUN OUT—Age at full corpus depletion
NET WORTH AT END—Remaining at end

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GATED INSIGHTS

Unlock your retirement incomeblueprint.

Retirement Sustainability Analysis

Project how long your corpus can support lifestyle expenses through retirement.

Three Bucket Allocation Framework

Split assets across income, preservation and growth buckets with clear targets.

Withdrawal Planning Scenarios

Model withdrawal patterns and see how different rates affect longevity.

Retirement Asset Map

Visualise how each asset class supports income, safety and long-term growth.

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ILLUSTRATIVE EXAMPLE
ILLUSTRATIVE EXAMPLE

An example retirement income blueprint.

INVESTOR
Age
62
Corpus
₹5 Cr
Annual Expenses
₹24 Lakh
Inflation
7%
ILLUSTRATIVE ALLOCATION
Bucket 1: Income
₹1.68 Cr
34% of corpus
Bucket 2: Preservation
₹1.68 Cr
34% of corpus
Bucket 3: Growth
₹1.64 Cr
32% of corpus

Illustrative only. Not a recommendation. Allocation depends on individual circumstances, suitability and risk profile.

COMMON MISTAKES

Avoid the patterns that quietly damage retirement income.

01

Holding Excess Cash

02

Too Much Equity Exposure

03

No Withdrawal Strategy

04

Ignoring Inflation

05

No Bucket Rebalancing

06

Treating All Assets Equally

WHY INVESTVIDHI

Most retirement calculators stop at anumber. We help investors analyseretirement income sustainability.

GENERIC CALCULATOR
  • Corpus estimate
  • One-time output
  • No framework
INVESTVIDHI
  • Sustainability analysis
  • Three Bucket framework
  • Asset allocation context
  • Research-backed monitoring
  • Retirement income insights
FROM THE FOUNDER

Retirement planning isn't about numbers. It's about peace of mind.

Our work focuses on research-backed frameworks for structured decision-making. The Three Bucket Strategy is one such framework, a way to organise retirement assets so that income, preservation and growth each have a clear job to do.

We don't make promises about outcomes. We help investors think clearly about sustainability, asset allocation and the trade-offs that matter most in retirement.

RESEARCHFramework-led
ANALYSISScenario-based
DECISIONSStructured
INSIGHTS HUB

Retirement income research notes.

CLUSTER - 01

Retirement Income Planning

Educational notes, frameworks and research perspectives on retirement income planning.

CLUSTER - 02

Three Bucket Strategy

Educational notes, frameworks and research perspectives on three bucket strategy.

CLUSTER - 03

Retirement Withdrawal Planning

Educational notes, frameworks and research perspectives on retirement withdrawal planning.

CLUSTER - 04

Retirement Asset Allocation

Educational notes, frameworks and research perspectives on retirement asset allocation.

CLUSTER - 05

Inflation Protection

Educational notes, frameworks and research perspectives on inflation protection.

CLUSTER - 06

Retirement Sustainability

Educational notes, frameworks and research perspectives on retirement sustainability.

FAQ

Questions, answered.

The process of converting an accumulated corpus into a structured, sustainable income stream that supports living expenses across retirement, while accounting for inflation, longevity and market risk.

Stop guessing. Understand how different retirement income strategies may perform.

Create your free account to access retirement sustainability analysis, bucket allocation frameworks and retirement planning tools.

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FRAMEWORK3 Buckets
SCENARIOSMulti-input
RESEARCHSEBI RA
REG NO.INH000019813