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2 mins Read | 2 Years Ago

Is your retirement pizza well rounded?

Is your retirement pizza
well rounded?

Get the recipe right!

So, what is common between a pizza and retirement planning. They both need a perfect recipe, a blend of ingredients and right timing. Let’s get ready to make one.

The dough:

Get your dough right for that perfect pizza base and estimate your retirement corpus required accurately, to give a perfect base to your retirement plan.

Tips to estimate the required retirement corpus:

Calculate your post retirement expenses based on your lifestyle and inflation
Identify your and your family’s retirement goals
Don’t forget the emergency funds needed for contingencies

The round base:

Spin the dough in air for that perfectly rounded pizza base. Do a well-rounded 360-degree assessment of your assets and liabilities.

Tips to assess your finances:

Tag your current investments, for retirement and other goals
Estimate your employer retirement corpus
Calculate your current and future liabilities

The sauce:

The strongest flavour coming out of your pizza is the sauce! Making your own sauce will give you control on the aroma you desire. Likewise, customising your retirement plan will give you the control over your retirement life.

Tips to customise your plan:

Asses the gap in the retirement corpus
Optimise your EMIs and spends
Do goal-based investments
Get an optimum insurance cover
Increase your contribution to the Voluntary Provident Fund (VPF)

Add the toppings:

As you choose toppings as per your taste, choose your investments as per your investment personality, and re-balance them periodically.


The cheese:

Cheese is the glue that holds the pizza together. To get hold of your retirement plan, don’t forget to consolidate your finances.

Tips to consolidate:

Consolidate your investments, transactions and spends with one bank
Limit your card usage to the top 2 Credit Cards that align with your post retirement lifestyle
Get one-view statement of your finances
Regularly track your progress

The seasoning makes
all the difference:

Whether it’s the spicy chilli flakes or a hint of oregano, these will elevate the taste of your pizza.

So here are some seasoning tips:

Add nominees, wherever required
Make your spouse/family member, a second holder
Choose ICICI Bank’s iLocker - to store all your financial details

And with that, you’ve got all the ingredients
to ensure that you enjoy good taste,
in your golden years.

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