Think your current investments will get you a comfortable life after retirement?
An average Indian family needs at least ₹5 crore* for retirement. How far are you?
TMfor You
Maximise your retirement potential with QID, a Dyota Solutions' proprietary investment app. Enjoy the benefit of receiving regular personalised recommendations that factor in market conditions, your risk profile, savings capacity and cash flow requirements.
An ideal retirement plan should cover these 6 crucial factors. QID does that for you!
Set Precise
Retirement Goals
With our customised goal planner, we help you set the right retirement goal considering your lifestyle and expenses. Try it here.
Build A Well-Balanced Investment Portfolio
QID invests in a combination of Nifty 50, Nifty Next 50, Nifty MidCap, Nifty SmallCap, Nifty Bank, Nifty IT, Gold, NASDAQ, Money Market, Gilt, and Arbitrage funds to build a portfolio with a strategic mix of equity and debt. Moreover, this helps in effective diversification to create a stable portfolio with long-term growth potential.
Minimise Charges for
Cost-Effective Investments
QID invests only in low-cost index funds and credit-risk-free debt funds. The average fund management costs for the portfolio are well below 0.5 % for these funds.
Stay updated with
Periodic Reviews
Regular monitoring of equity allocation on QID helps to identify opportunities to execute quarterly adjustments based on the market, cash flow, and debt fund availability thus minimising risk.
Prepare a
Contingency Plan
When faced with unforeseen events, such as medical emergencies, stock market downturns, and personal life changes, QID presents an ideal option to withdraw funds that ensure minimal tax implications without affecting the portfolio.
Minimise Tax with
Family Portfolio
QID's family portfolio maintains tax-efficiency by minimising redemptions/switches and distributing investments among family members. The algorithm used in the tax calculation is designed to reduce taxes in such scenarios.
Complementary Annual Financial Review
Obtain a through assessment of your Family’s Financial Situation across 5 Key Parameters and devise new strategies to optimize the benefits from your Financial Resources
Saving Ratio
Identifying opportunities to increase family savings Upto 40% of the income.
Investment Allocation
All Investments (FDs, Bonds, PFs, NPS, Mutual Funds, Stocks, Endowment Plans, read more
Insurance Adequacy
Protecting family members with required life and health insurance.
Loans
Managing home loan and education loan strategically to help create wealth & assets.
Tax Optimisation
Planning tax on investment income in adavance & reducing them to a minimum.
All about Finance, now simplified.
Should we look for Returns or Risk?
Retirement Corpus?
Asset Allocation?
Have more questions?
We're here to help you
- Assessing Retirement Needs: The advisor helps clients determine how much retirement corpus is required by factoring in lifestyle preferences, inflation, longevity, expected expenses and desired post-retirement living standards.
- Customized Financial Strategy:Advisors create tailored retirement strategies that align with a client’s financial goals, risk tolerance, and time horizon. They ensure a balance between accumulation (during working years) and preservation (as retirement nears).
- Diversified Investment Planning: To manage market unpredictability, advisors design a well-diversified portfolio across asset classes (stocks, bonds, real estate, etc.) that can grow the retirement corpus while managing risks.
- Monitoring and Adjustments: Financial markets fluctuate, and personal situations (such as income changes or health issues) evolve. An advisor regularly reviews the retirement plan and suggests adjustments to ensure the client remains on track to meet their retirement goals.
- Addressing Lifestyle Inflation: Changes in lifestyle expenses can significantly impact retirement goals. Advisors anticipate this and plan for future cost increases, particularly in healthcare and long-term care.
- Tax-Efficient Strategies: Advisors also help maximize retirement savings through tax-advantaged accounts like Provident Fund and NPS. Advisors also consider other tax efficient strategies for withdrawals after retirement.
- Managing Behavioural Biases: Retirement planning can be emotional, with people making impulsive decisions based on market conditions. Advisors play a psychological role, helping clients stay disciplined and avoid reactionary decisions that could derail their goals.
- Retirement Income Planning: Once retirement is reached, advisors assist in creating a sustainable income stream. They help determine the best withdrawal strategies and manage risks such as outliving savings or encountering unexpected expenses. The ultimate goal of an investment advisor in this process is to provide peace of mind, ensuring that clients enjoy a secure and comfortable retirement while adapting to economic and personal changes.
Partner with us
Dyota Solutions provides a well-structured and balanced combination of credit risk-free debt funds and various categories of passive funds. Our solution QID aims to assist individuals in both building and safeguarding their retirement corpus. We believe that this straightforward portfolio strategy can be an excellent addition to your range of offerings.