Strategic Financial Planning for Every Stage of Life

At Sainik Dhan Rakshak, we believe that financial priorities evolve as life progresses. From building wealth in your youth to securing a comfortable retirement, we’re here to guide you every step of the way.

Smart Money Moves for Singles

Young and Ambitious (Under 30 Years)
In your early years, focus on laying a strong financial foundation:

• Emergency Fund: Allocate 5-10% of your savings for unexpected expenses.
• Equity Investments: Invest 50-70% in equities to capitalize on long-term growth opportunities.
• Fixed Returns: Reserve 10-20% for short-term needs; returns can support financially dependent family members.
• Gold: Keep 5% in gold as a hedge against economic fluctuations.
• Insurance: Protect yourself with comprehensive insurance coverage for financial security.

This is the time to build wealth while you have fewer responsibilities. A little planning now ensures a brighter future ahead.

Family First: Planning for Married Life

Balancing Growth and Responsibilities (30-45 Years)

As you settle into family life, it’s time to prioritize both your needs and your children’s future:

• Education Planning: Start early to secure your children’s quality education and other major milestones.
• Equities: Allocate 50% to equities for higher long-term returns.
• Debt Investments: Invest 25% in fixed-income instruments for stability and steady returns.
• Gold: Maintain 5% as a reliable hedge.
• Savings Account: Limit to 10% for immediate liquidity needs.

Proper planning ensures your family’s current and future needs are met without compromising your financial stability.

Building Your Retirement Fund (45-55 Years)

As you approach retirement, the focus shifts toward wealth consolidation:

• Savings: Keep 15% for emergency funds.
• Equities: Allocate 50% to continue benefiting from long-term market growth.
• Fixed-Income: Invest 25% in bonds or debentures for consistent returns.
• Gold: Keep 5% for diversification and security.

By this stage, you’ve likely fulfilled your children’s educational needs, allowing you to concentrate on securing a comfortable retirement.

Enjoying the Golden Years (55+ Years)

Retirement is a time to enjoy the life you’ve worked hard to build. Here’s how to manage your finances effectively:

• Savings: Retain 20% for immediate expenses.
• Equities: Allocate 20-30% for moderate growth.
• Fixed-Income: Invest 40-50% in bonds for regular income.
• Gold: Maintain 5% as a hedge against inflation.

For retired armed forces personnel, transitioning from service-provided housing to your own residence can be achieved through your retirement corpus. With pension and medical needs covered by ECHS, you can focus on enjoying a fulfilling retirement.

Take pride in the life you’ve built and the financial security you’ve achieved. With careful planning, you can look forward to a legacy of joy and financial well-being for you and your family.

At Sainik Dhan Rakshak, we are dedicated to supporting you through every chapter of life, ensuring your financial journey is smooth and rewarding. Let’s make your financial goals a reality.