What you'll learn

  • How to create a personalised road map for Retirement?

  • Build a deeper understanding of annuities and debt funds

  • How to build your ideal investment portfolio for Retirement?

  • How to fund unexpected expenditures like medical emergencies?

  • How to navigate with market volatility?

Subscription Options

Option 1: Online Course Only

  • 150 minutes of recorded video

  • 60 days of access.

  • Free Extension Period: In case you are unable to complete the course, you can ask for a free extension of another 30 days.

  • Retirement Road map Workbook: Helps you to keep tab of your investment journey in retirement at a single place.

Subscription Option 2

Online course + Personal Interaction

  • 150 mins of recorded video

  • 90 days of access

  • Free Extension Period: In case you are unable to complete the course, you can ask for a free extension of another 60 days

  • Additional login for Spouse: In case you want to provide a separate access to the online course for your spouse, you can ask for an additional login at no additional cost.

  • Retirement Road map Workbook: Helps you to keep tab of your investment journey in retirement at a single place.

  • Personal Interaction: A 60 minute personal itneraction with the coach on completion of the online course

Why create a course?

As I transitioned from a  successful corporate career to a new phase in my life, I had exactly the same questions as you.  And interestingly, I found little material on a subject that is so vital for all of us. Most of the material out there is focussed on how to generate enough wealth for an easy  retirement but there is barely any content on investing post retirement.

You would agree that retirement is a complex subject. Not all the aspects related to it can be dealt with by just reading a few articles or by chatting  with a few friends.  

As I reflected on this subject, I found the course format to be the most appropriate. A course format helps in getting your undivided attention, simplifying the complexities, building exercises that can help you reflect on your situation and develop suitable solutions for your personal challenges.

Why are you uncomfortable with your current investment portfolio?

There are several reasons that can give you sleepless nights while investing your retirement corpus. The top reasons are as follows:

  • Inadequate Retirement Corpus

    Many of you would have started investing for Retirement at a very late stage in your career. As a result, you find that you are short of what you need for a worry free retirement

  • Longevity

    You have generated enough wealth for yourself but you are not sure if it's adequate to last your lifetime. And should you be planning till age 80..90...or 100...or beyond?

  • Medical and long term care

    Health care and Long term care are the most unpredictable expenses in Retirement? So how how exactly should you be preparing for them?

  • Economic and Market Risks

    It is likely that you will experience huge swings in inflation, interest rates and stock markets. Taxation changes can hurt you as well. There can be situations that you may have never experienced before. Is your investment portfolio robust enough to deal with these challenges?

So, how should you deal with these challenges?

This is where my course comes in.

This practical course provides a step by step approach to deal with the challenges in Retirement.  I will share tools that can help you visualise your retirement finances and help you identify the key challenges in advance. The most important aspect of the course is that you can apply this easily to your situation and get answers to the key challenges that you would like to prioritise and address.

What are the course contents?

The detailed course outline is as follows. I have provided a free preview of some of my videos to help you assess if the course can be of help to you.

  1. 1

    • A warm welcome from Suraj!

    • Who can benefit from this course?

    • What's in the course?

    • How to make the best use of my course?

    • Survey: What are your expectations from this course?
  2. 2

    • 1.1 Introduction - Retirement Challenges

    • 1.2 Key Challenges in Retirement

    • 1.3 Reflection: What is it that you worry about in Retirement?

    • 1.4 Conclusion - Retirement Challenges
  3. 3

    • 2.1 Introduction - Why develop a road map?

    • 2.2 The Retirement Roadmap Workbook - Use this tool to create your personalised retirement roadmap

    • 2.3 Exercise: Prepare your personalised Retirement Roadmap!

    • 2.4 So, where do you stand in terms of your retirement finances?

    • 2.5 Forever SIP

    • 2.6 Dealing with medical emergencies

    • 2.7 Conclusion - Your Retirement Road Map
  4. 4

    • 3.1 The 2 Big Reasons for poor investment performance

    • 3.2 Asset Allocation Pre-requisites

    • 3.3 Factors that impact your asset allocation

    • 3.4 My Asset Allocation Model

    • 3.5 The Six Asset Classes and Drawdowns

    • 3.6 Determine your ideal asset allocation

    • 3.7 Exercise: Determine your ideal asset allocation

    • 3.8 Conclusion: Asset Allocation
  5. 5

    • 4.1 So, what does an ideal portfolio in retirement look like?

    • 4.2 The SLR Framework for evaluating debt products

    • 4.3 Debt Funds and Annuities

    • 4.4 Building your ideal Debt-ST & Debt-LT portfolio

    • 4.5 Building your ideal Hybrid& Alternatives portfolio

    • 4.6 Building your ideal Equity-Core & Equity-Aggressive portfolio

    • 4.7 Conclusion: Your ideal portfolio

    • 4.8 Exercise: Portfolio Review Checklist
  6. 6

    • 5.1 Introduction: Navigating the real life journey

    • 5.2 Review your expenses periodically

    • 5.3 How to determine your inflation rate?

    • 5.4 Navigating market volatility

    • 5.5 How to address portfolio concentration?

    • 5.6 Review and Rebalance your portfolio

    • 5.7 Leaving a Legacy

    • 5.8 Conclusion - Navigating the real life journey
  7. 7

    • 6.1 Tips to lead a happy retired life

    • 6.2 Extend your working years!

    • 6.3 Simply your investment portfolios!

    • 6.4 Mark to Market Demystified
  8. 8

    • Course Conclusion

Frequently asked questions

  • Who should take this course?

    The focus of the course is Retirement Income. It is suitable for individuals who are planning to retire within the next 5 to 7 years or have already retired. Ideally, you must have some investment experience beyond traditional products like Bank Deposits and Insurance.

  • Why should I take this course?

    The course is very unique as it focuses on investment skills post retirement. The retirement years pose a very different set of challenges and with growing life expectancy, it is likely that you would need to manage your money at least till age 100. The course helps you successfully navigate the challenges that you are likely to face in the post retirement phase of your life.

  • Are there any pre-requisites?

    The only pre-requisite for the course is that you have some basic knowledge of investing and you are willing to go devote the necessary time to gain a valuable perspective about managing money in your retirement years. The course is designed like a workshop and hence you should be willing to complete all the necessary exercises that are recommended to gain maximum benefit from the program.

  • Are there any off-line options available for subscription?

    Yes, the course is also offered in the form of a one day workshop. The minimum group size required for the same is 10. You may contact the coach at [email protected] for further information.

Course Reviews

5 star rating

Very useful and informative

Anjan GHOSH

Concepts explained in simple easy to understand terms

Concepts explained in simple easy to understand terms

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5 star rating

Excellent material for planning retirement

jwalant joshi

If you are looking for a practical way to manage your retirement corpus, this course is a must for you! This course has given me a practical framework to dea...

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If you are looking for a practical way to manage your retirement corpus, this course is a must for you! This course has given me a practical framework to deal with all my investment challenges in Retirement.

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5 star rating

The Retirement Income Course

Roshan Castelino

Outstanding Course!! Content, flow and explanation of the Retirement Income Course was simply great. Such a complex subject like retirement was so very well ...

Read More

Outstanding Course!! Content, flow and explanation of the Retirement Income Course was simply great. Such a complex subject like retirement was so very well handled with ease and brilliantly covered. Thank you🙏

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Suraj Kaeley

Founder & Master Coach

HELLO! I am Suraj Kaeley and I have been a senior leader in the mutual fund and insurance industry in India.

I have led the Sales & Marketing teams at leading Global and Indian organisations including Franklin Templeton Asset Management - India (1996-2003), MetLife India Insurance (2003-2006), FIL Fund Management- India (2006-2012) and my last corporate role was with UTI Asset Management Company Ltd (2014-2019) as Group President - Sales and Marketing.

I am very passionate about investing and I have been doing a lot of work in the area of Retirement Income.

Unlike Retirement Savings, the subject of Retirement Income deals with investing your investment corpus to generate regular income in your retirement years. The idea is to invest in a way that keeps you ahead of inflation at all times! The concept of Retirement is getting redefined rapidly.

First, progress in medical sciences has led to the longevity revolution. Many of you may end up living till age 100. As a result you will need to fund your expenses for at least 30 to 40 years post retirement.

Second, very few of you have guaranteeed pensions to support you. As a result, there is extra pressure to manage your investments well and you will need to figure out ways to deal with low interest rates, volatile stock markets, high inflation and higher taxes. It is certainly not an easy thing to do!

Third, you will need to figure out a way to deal with medical challenges and long term care.

I am confident that this course can add a lot of value to you and provides you with a head start as you prepare for Retirement.

I wish you a very healthy, happy and financially worry free retired life!