Focused Advisory · Retirement

Retirement Stress Test

Your retirement plan was built for normal conditions. We test it against the ones that actually derail retirements — market crashes, inflation shocks, and outliving your expectations.

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The biggest risk in retirement is not a bad market year — it is a bad market year in the first three years of retirement. This "sequence-of-returns" risk can permanently impair a corpus that would have recovered fine if the same loss happened ten years later. Most plans never model this.

Three scenarios we model

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Sequence-of-returns crash

30–40% market fall in years 1–3 of retirement — the worst possible time for a downturn and the hardest for a corpus to recover from.

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Longevity risk

What if you live to 90 or 95 instead of 80? Does your corpus last — or does it run dry just when you need it most?

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Inflation shock

Sustained 8–9% inflation instead of the assumed 6%. How deeply does this erode your real purchasing power over 25 years?

What you receive

✔ A written stress-test report with survival probability across all three scenarios
✔ Your personalised safe withdrawal rate — how much you can spend each month without running out
✔ Identification of the single biggest vulnerability in your current retirement plan
✔ Two to three specific, actionable adjustments if the plan shows fragility
✔ A 60-minute video call to walk through findings and answer your questions

What we need from you

💰 Current corpus size

📅 Target retirement age

🏠 Monthly expense estimate

📊 Rough asset allocation

👨‍👩‍👧 Dependants and liabilities

🏦 Any pension or annuity income

This service is right for you if…

● You are 5–10 years away from retirement and want to validate whether your corpus will hold
● You have recently retired and are unsure if your current withdrawal rate is sustainable
● A market correction has made you anxious about your retirement corpus
● You want a second opinion on a retirement plan you have already built elsewhere
● You want to understand what a safe monthly withdrawal from your corpus looks like

"Retirement Planning felt overwhelming until I consulted AK RAO. They simplified everything and built a robust cash-flow strategy for my golden years."

— Venkatachalam Ramanathan, Chief Information Officer

₹7,500

One-time · Report delivered in 5 business days · Includes 60-min advisory call

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