3-Bucket Retirement Income System for Indian Retirees

Want to reach out to us on Whatsapp: https://bit.ly/retirewithnishant or want to work with us → https://app.youform.com/forms/wwinmnru Join our Retiree Whatsapp community for further updates : https://bit.ly/4f8ZwDh ── How much corpus do you need for ₹1.5 lakh/month in retirement? -    • How much corpus do you need for ₹1.5 lakh/...   ── Can a retirement corpus provide regular monthly income, keep pace with inflation and survive market falls for the next 25–30 years? In this video, Nishant explains the 3-bucket retirement strategy using the example of someone who needs approximately ₹2 lakh per month after retirement. You will learn: How the safety, stability and growth buckets work Why keeping everything in equity or fixed deposits can create different risks Why an SWP is only a withdrawal mechanism—not a complete retirement plan How an SRWP adds regular review and thoughtful rebalancing When each bucket should refill the next one Why equity should not be sold mechanically during a market fall What can cause a retirement-income plan to fail The purpose of the three-bucket approach is not to predict markets. It is to reduce the risk of being forced to sell the wrong investment at the wrong time while keeping long-term inflation protection in the plan. This video is for educational purposes and does not constitute investment or mutual fund advice. The appropriate corpus, withdrawal rate and asset allocation depend on age, health, taxes, life expectancy, risk profile, other income sources and family responsibilities. #RetirementPlanning #RetirementIncome #SWP ── 00:00 Is Your Retirement Corpus Really Enough? 02:19 Why SWP Alone Isn't a Retirement Strategy 03:14 SRWP: Systematic Review & Withdrawal Plan 07:20 The 3-Bucket Retirement Strategy Explained 07:36 Bucket 1: Your Safety & Income Bucket 08:28 Bucket 2: The Stability Bucket 09:05 Bucket 3: The Growth & Inflation Protection Bucket 09:45 Why Inflation Can Destroy Your Retirement Plan 10:44 How the 3-Bucket Withdrawal Strategy Works 12:56 When the 3-Bucket Strategy Can Fail 13:57 Quick Recap 15:03 SWP vs SRWP – The Biggest Difference 15:14 Final Takeaways – Build a Retirement Income System, Not Just a Corpus ── Disclaimer: This content is for educational and informational purposes only and does not constitute financial, tax, or legal advice. Please consult a qualified professional for advice specific to your situation. Advisory services offered through PrimeWealth.