Version Number : "9.9"
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Equity Broking Houses

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Channel Partner

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ABOUT RETIREWELL

We are SEBI-registered Investment Advisors. Our RIA Code (License number from SEBI to practice as Investment Advisor) is INA000008978.

OUR MISSION

  • Educate the common-man about :
    1. The risk/ return profile for various investment products &
    2. The role of a sound investment strategy in radically improving their quality of life & financial-security.

  • Advise & execute (with customer-authorization for each transaction) customized investment-plans for our customers, in keeping with
    1. above, using "secure & heavily-researched-investment-domain-centric technology".
      The transactions allowed are in mutual funds to begin with and executed under Direct Plan (which means no brokerage paid by you as investor) through MF Utility transaction-aggregating-platform (which is owned by the Association of Mutual Funds of India or AMFI ; and hence is reliable & secure)

  • Hand-hold the customer till their investment goal maturity, as Robo-Wealth managers.
    So, if a user acts on our Retirement plan, then we are actively involved in :
    1. Recommending asset-allocation each year along with recommended schemes
    2. Rebalancing user's investment portfolio each year (i.e. revising the asset allocation between debt and equity, based on our highly predictive models about future performance
    3. being available on phone/ e-mail 24 hour and if need be, in person.

    We make ourselves accountable as advisors and transparently report the value-added by (a) and (b) to user in their portfolio reporting section.

OUR FOUNDERS

Yogesh Singh - Professional with 22 years of experience in risk management and investments. His work experience includes "Heading the financial risk consulting practice for Dun & Bradstreet's South Asia-Middle East-Africa business" & "Analyst with Barra Rogers Casey, in USA, where he advised pension funds, such as Pennsylvania State Employees Retirement System, General Motors Employee Pension Fund, District of Columbia Retirement Board". He is an MBA from IIM Ahmedabad and BA (Hons) Economics from Shri Ram College of Commerce.



Sameer Kulkarni - Professional with 22 years of experience in financial services and information technology. His work experience includes "ICICI - Project finance group, Edelweiss Group including Edelweiss Tokio's CTO". He is an MBA from IIM Ahmedabad and Bachelor of Mechanical Engineering.

OUR EXPERTISE and USPs

  1. The impact of taxation on your investment-returns is taken into account. This can have a huge impact on your financial security vis--vis ignoring the impact of taxes. Consider these examples :
    1. You are retiring this year and wish to use Annuity (without return of purchase price or premium) to draw a regular pension for the next 30 years. Corpus required to meet your Pension goal per month, varies with tax-implications (since Annuity is added to your taxable income) and without tax-implications, as shown below.
      GOAL = PENSION/ MONTH (Rupees) EXPECTED CORPUS WITH TAX (Rupees) EXPECTED CORPUS WITHOUT TAX (Rupees) % INCREASE IN CORPUS REQUIRED (when tax is considered)
      1,00,000 4,15,24,604 3,47,51,507 19.0 %
      2,00,000 9,30,64,508 6,95,03,065 34.0 %
      5,00,000 258,137,424 173,757,548 49.0 %
    2. Same example as above, but w.r.t 2 different retirement dates ; now and 30 years from now. Decrease in corpus required after 30 years (on account of lower tax-liability after 30 years) is depicted below.
      GOAL = PENSION/ MONTH (Rupees) EXPECTED CORPUS WITH TAX, if retiring now (Rupees) EXPECTED CORPUS WITH TAX, if retiring 30 years from now% DECREASE IN CORPUS REQUIRED, when retiring after 30 years % DECREASE IN CORPUS REQUIRED, when retiring after 30 years
      1,00,000 4,15,24,627 3,47,51,522 16.3 %
      2,00,000 9,56,77,827 7,51,81,352 21.4 %
      5,00,000 258,526,095 200,019,760 23.9 %
  2. Scientific Accumulation-stage solutions (i.e. when you are contributing towards meeting some financial-goal, such as children education or house purchase or retirement) and Proprietary Distribution-stage solution (i.e. when you wish to draw upon whatever "your investments have grown to", say for pension post-retiring). Consider this example.
    1. You had invested in the National Pension Scheme (NPS) and now that you have reached age 60, you wish to use the Rs 1,50,00,000 /- accumulated to draw pension for life (assumed to be till age 90). Please see the table below, to view "Expected pension you could enjoy with different pension-solutions".
      PENSION SOLUTION EXPECTED PENSION PER MONTH (Rupee)
      Annuity without return of Premium 38,626
      Retirewell Conservative (70% Annuity, 15% Large and Midcap Equity mutual funds, 15% Arbitrage mutual fund) 58,994
      Retirewell Aggressive (40% Annuity, 30% Large and Midcap Equity mutual funds, 30% Arbitrage mutual fund) 78,562
  3. Our advice is conveyed in an educative form to the customer and hence is verifiable intuitively by the customer. For example, when projecting returns from investments in, say a "Large Cap Equity mutual fund", we take into account the investment-horizon to show Expected & Worst-case returns , as opposed to a standard 12% or 15% CAGR assumption.
  4. If your [existing Retirement assets/ investments] prove to be insufficient in meeting your {Retirement goals}, then you might wish to cover the shortfall by voluntarily contributing to some investment-plan.
    Retirewell's proprietary Structured investment solutions would drastically reduce your % contribution, compared to any other investment-product (including Equity) or investment plans. Sample the example below.
    1. Mrs. Singh retires in 2039 (i.e. 20 years from now). Her current Basic salary per month = Rs 100,000 /-. The minimum pension-goal for life acceptable to her (assumed life-expectancy = 90 years) is "Rs 50,000 per month". Her existing retirement-investments are expected to entitle her to a Worst-case pension of Rs 25,000 per month only. The SIP expressed as a % of her Basic salary, required to cover the Likely-shortfall-in-Minimum-Pension of Rs 25,000, is as shown below, when invested in different investment-products/ plans.
      INVESTMENT PRODUCT OR PLAN CONTRIBUTION AS % OF BASIC SALARY
      Bank Fixed Deposit 54%
      Retirewell NPS - Moderate Risk 47%
      Large Cap Equity 44%
      Mid Cap Equity 35%
      Retirewell Structured Solution 17.5%
  5. Proprietary and mind-boggling asset-allocation & rebalancing strategy.
    First-off, we want to convey that we are strongly opposed to the conventional rebalancing strategies. Our experience, analysis and understanding suggests that "doing no rebalancing compared to these conventional strategies", would be better. Likewise, we are opposed to Strategic Asset Allocation, where ""historical risk/ return" of different asset-classes, are used as the basis for deciding an investor's asset-allocation. Conventional rebalancing strategies (Few examples)
    • Customer had been advised a strategic asset allocation of 60% Equity : 40% Debt. Due to market movements, after a year, the allocation has become 70% Equity : 30% Debt. Rebalancing involves selling Equity and Buying debt , so that the planned asset allocation of 60% Equity : 40% Debt, is restored.
    • In the context of National Pension Scheme (NPS) , NPS Auto-choice.
    So, what's so great about Retirewell's Rebalancing strategy. While paying consideration to minimize your tax-hit in Equity, we dynamically monitor the prospects for different asset-classes on a monthly-basis and rebalance in favour of the relatively attractive asset-classes. Our Rebalancing strategy significantly outperforms "Strategic Asset Allocation based rebalancing or No-rebalancing", using backtesting results over the last 22 years.

ALPHA (EXCESS-RETURN) ADDED BY RETIREWELL'S ASSET-ALLOCATION STRATEGY, WHEN COMPARED WITH [STRATEGIC ASSET ALLOCATION & NPS-AUTO].

Sample the results below, for a person investing in mutual funds & whose investment-goal is 2 years away and another for a person investing in NPS whose investment-goal is 2 years away. CUSTOMER'S INVESTMENT GOAL IS 2 YEARS FROM NOW

RETIREWELL ASSET ALLOCATION -Vs- STRATEGIC ASSET ALLOCATION*
% SUCCESS (in terms of positive alpha arising from Retirewell's asset-allocation) 90%
% FAILURES (in terms of negative alpha arising from Retirewell's asset-allocation) 10%
AVERAGE ALPHA (Using Cumulative 2-year-returns) on SUCCESS 20%
AVERAGE NEGATIVE ALPHA (Using Cumulative 2-year-returns) on FAILURE 5%
EXPECTED ALPHA (Using Cumulative 2 year returns) 18%

*STRATEGIC ASSET ALLOCATION as per SEBI's new MF-categorization = 5% Large Cap Equity Funds, 11% Mid Cap Equity Funds, 8% Small Cap Equity Funds, 34% Gilt fund, 21% each in Arbitrage and Short maturity debt fund. For clarifications, call us at +91-8130382805 or email us at information@retirewell.in.

NPS-CUSTOMER'S INVESTMENT GOAL IS 2 YEARS FROM NOW

RETIREWELL REBALANCING -Vs- NPS AUTO-CHOICE*
% SUCCESS (in terms of positive alpha arising from Retirewell rebalancing) 85%
% FAILURES (in terms of negative alpha arising from Retirewell rebalancing) 15%
AVERAGE ALPHA (Using Cumulative 2-year-returns) on SUCCESS 13%
AVERAGE NEGATIVE ALPHA (Using Cumulative 2-year-returns) on FAILURE 2%
EXPECTED ALPHA (Using Cumulative 2-year-returns) 11%

*NPS AUTO-CHOICE ASSET ALLOCATION = 10 % NPS E, 80 % NPS G, 10 % NPS C.

For clarifications, call us at +91-8130382805 or email us at information@retirewell.in.

STEP-WISE INSTRUCTIONS FOR USING RETIREWELL'S APP or WEBSITE

  1. Visit https://www.retirewell.in or download our mobile app (for Android phones : download Retirewell app from Google playstore & for Iphones : download retirewell app from Apple store
  2. Select Who you are : Resident Individual/ NRI/ Corporate/ POP under NPS/ IFA/ Distributor/ Equity Broking House/ Channel Partner.
  3. Sample our teaser calculators. If you like them, register with us.
  4. Post-registration, you would receive an OTP for verification. Enter it and then select your new password
  5. When you login with your new password, you would be asked to answer a few questions, such as :
    (a) Address
    (b) PAN Number
    (c) Date of Birth
    (d) CAN no
    (this needs to be entered , only if you have obtained a common account number from MF Utility ; this CAN is a single reference number , which will facilitate your transactions across multiple mutual fund schemes of multiple AMCs registered with MF Utility),
    (e) How would you wish your eCAN registration : By yourself or by Retirewell ,
    (f) Would you register for PayEezz (recommended because this payment alternative is mandatory for SIP transactions and is also most convenient for payment compared to RTGS/ NEFT/ net-banking). The questions are self-explanatory and where not, sufficient guidance has been provided. Still, if there are doubts, you can contact us at +91-8130382805 or email us at information@retirewell.in. You would be allowed to transact in mutual funds only after you have answered these questions. If you skip them, then you could avail advisory services and save advisory plans, but you would not be able to transact on the saved advisory plans. Please have patience in the one-time process of getting CAN and PayeEzz registered (this might take 3 weeks time), which are mandatory for transacting through Retirewell. Once CAN and PayeEzz reference number are allotted, you can transact seamlessly anytime and from anywhere.
    For NRIs based in US and Canada, Please download the declaration forms required by Indian fund houses (Aditya Birla Sun Life Asset Management Company Ltd & Reliance Nippon Life Asset Management Limited) towards compliance, fill them out, mention your allotted CAN on top and email their soft-copy to the following e-mail ids. This email should be sent only after your CAN has been created.
    Email ids for Aditya Birla Sun Life: nafiz.qureshi@adityabirlacapital.com, ajay.manjalkar@adityabirlacapital.com, mayank.pahuja@adityabirlacapital.com.
    Email id for Reliance Nippon Life : Swathi.agarwal@relianceada.com.
    You can proceed to create advisory-plans and transact now.
    However, sometime within the next 1 month from transaction-date & from fund house's compliance-perspective, please courier the physical declaration forms to the following addresses:
    For Aditya Birla Sun Life : Samidha Manjarekar or Candida Barrie, Aditya Birla Sunlife AMC LTD, Industry House, 1st Floor, 159, Church gate Reclamation, Mumbai 400020.
    For Reliance Nippon Life : Swathi Agarwal, Reliance Nippon Life Asset Management Limited, 203/ 204, 2nd Floor, Rupa Plazxa, Jawahar Road, Ghatkopar (East), Mumbai - 400077.
  6. When v. has been filled-out, everytime that you login in, you would reach the main page

    Create Investment Plan : use this to develop a customized-investment advisory plan, which would help in achieving your financial goals (Retirement, child higher education, child marriage or target-corpus-by-target-date). You could create a Simple Plan or a Comprehensive Plan. When you Save the Comprehensive plan, you would be asked to activate the plan, so that you could transact as per the plan. To review your provided inputs and the advice-options selected by you, You can view it or download it's pdf. When convinced, Activate the saved plan (But only after you have been allotted a CAN & PayeEZZ reference number because your Activating a Saved-plan, implies your intent to transact as per the Plan and you are recommended to transact within 15 days of plan-activation) . Now, you are ready to transact under this Activated plan. For Simple plan, since your provided Inputs and the advisory output appear on a single screen, post saving, you can Activate the Plan.

    Transact MF :
    1. Use this to transact (purchase, redemption, switch etc.) in mutual funds seamlessly. We are using the transaction Aggregator MF-Utility platform, which is owned by the Association of Mutual Funds of India (AMFI) and hence you can be assured of it's security and privacy.
    2. Please remember, that transactions carried out by you through Retirewell, would always be for a specific Activated Investment Advisory Plan. If you have only 1 activated advisory plan, then Retirewell would automatically assign your carried-out-transactions to this Advisory plan ; however, if you have more than 1 Activated Advisory plans, then you would be required to map your transaction(s) to the relevant Activated Advisory plans. For example, if you have Activated Investment-advisory-plans for Retirement and for Child marriage, then within a week post-transacting, you would have to Map the carried-out-transaction(s) to the relevant Activated plan (Retirement or Child marriage) , by clicking on "Map To Plan". The mapping exercise is critical for availing accurate investment-portfolio-rebalancing advice from Retirewell.
    3. You would also be able to view your existing folios across mutual funds (that get mapped to your CAN), so that you could map relevant ones to your activated plan. The Steps for mapping existing mutual fund folios to your Activated plan are :
      (a) Select "Holding summary for the given CAN", from "Transaction Type" drop-down.
      (b) Click on the Excel icon on top right to export "existing Folios file". Save this .xls file.
      (c) Come back to Transaction page on Retirewell and click on upload your existing Folios, to upload the saved .xls file.
      (d) Select the Folios, you wish to map to the Active Plan.
    4. Another advantage of mapping your existing folios to an active-plan, is that you can generate significant savings starting today if you switch "your existing folios under Regular plan" to "Direct plan" ; to know the exact saving, please use the Switch Regular to Direct Plan - Saving calculator, next to the Upload your existing Folios tab.
    5. Your existing folios mapped to the active-plan & your future mutual fund investments done through Retirewell, would automatically reflect under your portfolio reporting ; however, if you have non-mutual fund transactions relevant to the activated Plan, say in Fixed deposit or NPS, then you would have to click on "RECORD TRANSACTIONS"" on Retirewell's transaction-page and input manually.
    6. Please note that if you have authorized Retirewell to transact on your behalf, then your transactions as per your Activated-plans, would be carried out by Retirewell ; with the safety-control of "each transaction requiring your authorization by sms/ email". Please be assured that Retirewell does not receive any funds when executing your transactions and they flow directly to the AMC, in whose scheme your investments are made.
    7. For NRIs only : After you transact, you would receive a link for uploading your digital bank a/c statement showing debit from your NRE/ NRO bank a/c, towards the transaction. Kindly do the needful, as this is a compliance requirement by AMC.

    View Existing Plans : use this to view the status of all investment-advisory-plans created and saved by you, in terms of date, whether Activated or not.

    Portfolio Reporting & Rebalancing : A very critical service provided by us. Other online technologies might also enable performance reporting of your investment portfolio ; however the USP of our "portfolio reporting & Rebalancing module", are as follows :
    1. Annualized Realized and Total returns of your investments are reported scheme/ investment-wise and at an aggregate-portfolio-level
    2. For your investments made in mutual funds and NPS, your investment returns are compared against Retirewell's Benchmarks and Retirewell recommended schemes. Hence, if you find that your investments are lagging behind Retirewell's benchmarks or/ and Retirewell's recommended schemes, it might be time for you to consider switching the fund manager.
    3. Value-added, due to Retirewell's Yearly Asset-allocation-advice to you, is reported in a separate tab.
    4. Value-added, due to Retirewell's Yearly rebalancing advice to you (rebalancing advice, suggests re-allocation of your existing investment portfolio's or some portion of your existing investment portfolio's asset-allocation) .
    5. As you can see from points 2, 3 & 4 above, Retirewell considers itself accountable as Investment Advisors and is transparently conveying it's advisory-value-add in real-time.
  7. Whenever in doubt, call us at +91-8130382805 or email us at information@retirewell.in.