THE INDIAN MIDDLE-CLASS RETIREMENT PLANNING (NON-NRI)                               (COUPON CODE : OFFER10)

A Practical, Jargon-Free Guide to EPF, NPS, PPF & Mutual Funds

Build a retirement plan around your real income, real expenses and real family responsibilities — not unrealistic financial formulas.

Designed especially for Indian resident households earning approximately ₹50,000 to ₹1,50,000 per month, this practical guide takes you from “I know I should plan for retirement” to having a structured roadmap you can actually follow.

💡 WHY THIS BOOK IS DIFFERENT

Retirement planning can feel complicated.

EPF. NPS. PPF. Mutual Funds. SIPs. Tax deductions. Insurance. Inflation. Corpus calculations. Withdrawals.

Where do you start?

This book brings these important pieces together in one practical framework and explains them in straightforward language for everyday Indian households.

🔑 WHAT YOU'LL GET INSIDE

🧮 Know How Much You May Need for Retirement

Learn a practical approach to estimate your retirement corpus based on your current expenses, retirement age, years remaining and inflation, instead of relying on an arbitrary number.

💰 Retirement Plans Based on Your Income

Get practical starting-point templates designed around household incomes of:

₹50,000 | ₹75,000 | ₹1,00,000 | ₹1,50,000 / Month

The book shows how EPF, NPS, mutual-fund SIPs, PPF and emergency savings can potentially fit into different income levels.

🏦 Understand Your EPF Properly

Your EPF may already be one of your biggest retirement assets — but do you really understand it?

Learn about:

• EPF contributions
• Employer contributions
• EPS
• EPF transfers
• UAN
• Nominations
• EPF passbook
• Common EPF mistakes

The book also explains why transferring EPF when changing jobs can be important for maintaining your long-term savings journey.

📈 Understand NPS & How It Fits Your Plan

Get a clear introduction to:

• NPS Tier I & Tier II
• Auto Choice vs Active Choice
• Asset allocation
• Contributions
• Tax-related provisions
• Annuity
• Retirement withdrawals

So you can understand the role NPS can play alongside your other retirement assets.

📊 Learn How SIPs & Mutual Funds Can Fit Into Retirement Planning

Understand the basics of:

SIP • Index Funds • Large-Cap Funds • Flexi-Cap Funds • Diversification • Direct vs Regular Plans

You'll also learn about setting up a SIP, choosing a manageable amount and gradually increasing contributions as your income grows.

🛡️ Protect Your Retirement Savings

Building a retirement corpus is only one part of the equation.

The book explains why emergency savings and adequate health insurance deserve a place in your retirement plan — because a major medical expense can force families to withdraw investments or take on expensive debt.

👨‍💼 Not Just for Salaried Employees

A dedicated section addresses people who don't have an automatic EPF system, including:

Self-employed • Freelancers • Consultants • Gig Workers • Single-Income Households

It explains how the retirement-planning approach can be adapted to these situations.

👨‍👩‍👧‍👦 Learn Through Realistic Family Examples

The book includes four fictional case studies representing different retirement starting points, including young couples starting early and people who realise they are behind later in their careers.

These examples make the concepts easier to understand and apply to your own circumstances.

🕐 Don't Know Where to Start? Follow the 12-Month Plan

Instead of giving you dozens of things to do at once, the book provides a month-by-month first-year roadmap.

You progressively work through:

✓ Understanding your current position
✓ Checking EPF
✓ Calculating your retirement target
✓ Reviewing nominees
✓ Starting/reviewing a SIP
✓ Opening/reviewing NPS
✓ Building an emergency fund
✓ Reviewing health insurance
✓ Considering PPF
✓ Reviewing old policies
✓ Preparing a will
✓ Stress-testing your numbers
✓ Conducting an annual review

📝 PLUS PRACTICAL WORKSHEETS & EXAMPLES

This isn't intended to be a book you simply read and forget.

Use the included worksheets to start putting your own numbers on paper.

The book provides examples showing how a household can map income, rent, living expenses, insurance, EPF, NPS, SIP and emergency savings into one overall plan.

👴 AND WHAT HAPPENS AFTER RETIREMENT?

Many retirement guides focus almost entirely on accumulating money.

This book also addresses the next question:

“Once I retire, how do I actually use my retirement corpus?”

You'll be introduced to three practical approaches:

Withdrawal Rate Approach
Bucket Strategy
Annuity/Pension Floor Approach

The book also discusses how SWP can be used as part of a retirement-income strategy.

🚫 LEARN THE MISTAKES THAT CAN QUIETLY DAMAGE A RETIREMENT PLAN

The book highlights common issues such as:

❌ Withdrawing EPF unnecessarily when changing jobs
❌ Stopping SIPs during market falls
❌ Treating insurance primarily as an investment
❌ Ignoring nominations
❌ Neglecting health-insurance planning
❌ Failing to review your retirement plan regularly

The aim is to help you recognise these issues before they become long-term problems.

🏠 RETIREMENT PLANNING GOES BEYOND INVESTMENTS

The book also explores major decisions that can affect your retirement journey, including:

🏠 Renting vs Buying

Understand how rent, home loans, EMIs and retirement contributions can interact.

📋 Estate Planning

Understand the importance of nominations, wills and organising financial documents.

🏛️ Government Employee Considerations

The book includes discussion of OPS/NPS/GPF-related retirement considerations.

👨‍👩‍👧 Dual-Income Families

It also discusses how couples can coordinate their retirement planning rather than simply combining two salaries into one calculation.

🎯 WHO IS THIS BOOK FOR?

✔ Salaried Employees

Who want to understand where their EPF fits into their retirement plan.

✔ Middle-Class Families

Who are balancing retirement savings with rent, EMIs and everyday family expenses.

✔ Young Professionals

Who want to start building a retirement habit early.

✔ People in Their 40s & 50s

Who want to review their progress and identify gaps before retirement.

✔ Self-Employed & Freelancers

Who don't have the benefit of automatic EPF deductions.

✔ Couples

Who want to coordinate two incomes and multiple retirement accounts.

✔ Anyone Who Says...

“I know I need to plan for retirement, but I don't know where to begin.”

📚 WHAT'S INSIDE THE BOOK?

20+ practical chapters & supporting appendices covering:

Retirement Corpus Planning
EPF & EPS
NPS
Mutual Funds & SIPs
PPF & FDs
Income-Based Portfolios
Age-Based Planning
Health Insurance
Common Mistakes
Family Case Studies
Retirement Withdrawals
Self-Employed & Gig Workers
Government Employees
Wills & Estate Planning
Renting vs Buying
12-Month Starter Plan
Financial Tools & Apps
Payslip, EPF Passbook & NPS Statement
Worksheets & Examples
Quick Reference Guides

❤️ YOUR RETIREMENT SHOULD NOT BE LEFT TO CHANCE

You don't need to understand every financial product.

You don't need to become an investment expert.

And you don't need to start with a huge amount of money.

The book's approach is built around a simpler idea:

Start with what you can. Build consistently. Review regularly. Increase as your circumstances allow.

Even the book emphasises that the goal is not perfection or trying to achieve an arbitrary savings percentage immediately — it is building a sustainable habit and improving the plan over time.

🚀 START BUILDING YOUR RETIREMENT PLAN TODAY

Retirement Planning for Indian Middle-Class Families

Your practical guide to understanding EPF, NPS, PPF, Mutual Funds & retirement planning — all in one place.

Read it. Follow the roadmap. Take action.

Educational information only. Investment returns, tax rules, interest rates and government schemes can change. The examples and calculations in the book are illustrative and are not guarantees or personalised financial advice.

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