Pension + commutation + DSOPF + investments + ECHS — the complete retirement plan for retiring service personnel.
Service pension is generous but inflation-linked, not inflation-proof. We model a 20-30 year retirement with rising healthcare + lifestyle costs and tell you where the gap is.
We compute the break-even age for commutation at your rank — usually 73-75 for officers. If your family longevity supports living past that, the lifetime indexed pension wins. If not, commutation wins.
Most service-pensioners restart in a civilian role (consulting, security, government, faculty). Income from that role is fully taxable on top of pension; we structure it to keep effective tax under 22%.
Indicative figures. Actual offer depends on your profile. Praarabdh is a Data Fiduciary under the DPDP Act, 2023.
Ideally 7-10 years before separation. The earlier you start, the more flexibility you have on DSOPF subscription rate, second-career planning, and family insurance structuring.
Rule of thumb: 25× expected annual expenses for 30-year retirement at 4% safe withdrawal rate. For most veterans at Lt Col equivalent, that's ₹1.5-2.5 Cr beyond pension and house. We run the actual maths in our wizard.
No — FDs lose to inflation over 20+ years. The right mix for veterans: 40-50% balanced funds (capital safety + 9-10% returns), 30% FDs (liquidity + safety), 10% gold (inflation hedge), 10-20% direct equity if you're comfortable. Tax-efficient throughout.
Yes — service pension is statutorily exempt from attachment under most circumstances (subject to specific exceptions). It cannot be assigned. This makes it the most secure income stream available to retired veterans.
Veteran healthcare playbook — pairs with the retirement plan.
One short form. We compare the panel for your profile. A real Praarabdh advisor calls within 48 hours.
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