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Planning to Retire Early – Live Your Life on Your Own Terms

November 05, 2018
We all know what manifesting our dreams feels like. The feeling is that of fullness and totality and we all desire to attain a life that is in tune with our idea of a quality life. The whole and sole purpose of our professional work schedules and our financial activities is to ensure a better life for us and our loved ones. The plan is always the same  we work hard throughout our lives, provide for the familys needs, secure the future of our kids and our partners and then, finally after decades of non-stop pace of action, we retire with our savings and can finally look forward to pursuing our own personal interests. However, it is not always a smooth ride into a financial sunshine for everyone.

In India, many parents spend a big chunk of their savings on their childrens wedding or even on financing higher education. Indias middle class, even though segmented into lower, upper and further into middle middle, upper middle, lower middle etc. forms the major quotient of taxable income-generating population. Although this means that is many ways, there are options for considerable savings, yet the fact remains that these savings are hardly consolidated i.e. the targeted application of these savings is generally the future or the life-events of children or any other specific goal. This, when put in simple terms, means that merely saving on monthly income cannot be a primary source of financial freedom, especially when you are looking forward to a dream ambition or pursuing something that you have always wanted to. In other words, if you wish to retire early from a structured and routine professional life in order to do what you really want to or to engage in a fulfilling but expensive activity, one of the most important things that you need is complete financial flexibility.

In our times of financial inclusion and capital safety, the best approach is to retain the core budgetary strength while ensuring that there are gains on investment. Getting insured is the best way forward primarily as it assures that your capital gains remain sealed and protected at all times. Life is uncertain and we dont know how the future can turn out to be. Therefore, the most logical step would be to list out our futuristic projections vis-vis our monthly income and expenditure and then start planning our budget in a way that suits us perfectly. If you want to have a guaranteed strong financial backbone at an age when you cannot or do not wish to work in a routine environment, start planning early!

HDFC Life has come up with HDFC Life Click 2 Retire - an extensively beneficial online unit linked pension scheme that allows you to realize your retirement goals. Benefits include lower vesting age of 45 years with option to start early - as early as 18 years! Go ahead and check the complete details here:

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Francis Rodrigues Francis Rodrigues

Francis Rodrigues has a decade long experience in the insurance sector, and as SVP, E-Commerce and Digital Marketing, HDFC Life, manages the online sales channel, as well as digital and performance marketing. He has had hands-on experience in setting up sales channels and functional teams from scratch over a career spanning 2 decades.

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Vishal Subharwal Vishal Subharwal

Vishal Subharwal heads the Strategy, Marketing, E-Commerce, Digital Business & Sustainability initiatives at HDFC Life. He is responsible for crafting and ensuring successful implementation of the overall organisation strategy.

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We at HDFC Life are committed to offer innovative products and services that enable individuals live a ‘Life of Pride’. For over two decades we have been providing life insurance plans - protection, pension, savings, investment, annuity and health.