Retirement
The 4% Rule, reimagined for Indian retirees
Why blindly copying western withdrawal rules fails — and what to do instead.
6 min readBy Anoop M.
Wealth Advisory · Portfolio Design · Personal Finance
Beyond Returns.Wealth architecturefor the visionary.
Curated mutual fund portfolios, retirement roadmaps, and global investing — engineered around your goals, risk appetite, and life by Anoop Maheshwari.
Fiduciary mindset — transparent advice, built for long-term compounding.
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Mutual Funds✳
Retirement Planning✳
Global Investing✳
Curated Portfolios✳
Risk Profiling✳
Goal-Based Planning✳
NRI Wealth✳
Tax Efficiency✳
Mutual Funds✳
Retirement Planning✳
Global Investing✳
Curated Portfolios✳
Risk Profiling✳
Goal-Based Planning✳
NRI Wealth✳
Tax Efficiency✳
— What we do
Five disciplines.
One unified plan.
Wealth isn't a product. It's a system. We design the entire engine — from your monthly SIP cadence to global allocation, retirement runways, and rebalancing rhythm.
01
Mutual Funds
Active & passive strategies across equity, debt, hybrid — curated for your time horizon and tax efficiency.
02
Retirement Planning
Reverse-engineer your retirement number. SIP path, withdrawal strategy, tax bridge — all stress-tested.
03
Global Investing
US equities, international funds, LRS structuring — diversify beyond the rupee.
04
Curated Portfolios
Goal-based, risk-adjusted portfolios with quarterly rebalancing reviews.
05
Risk Profiling
A precise read on your behavioural and financial risk capacity — the foundation of every allocation.
— The approach
A manifesto for real wealth.
01
Goals before products
Every plan starts with a question, not a fund recommendation. We map your life goals, timelines and risk capacity first — the portfolio is the output, never the starting point.
02
Structure over noise
Markets are loud. We build a disciplined system — asset allocation, SIP cadence, and rebalancing rules — so decisions are made by design, not by headlines or emotion.
03
Compounding is the strategy
Wealth is engineered through patience. We optimise for decades, not quarters — minimising costs and taxes so your capital compounds quietly and relentlessly.
04
Global by default
The rupee is one currency; opportunity is worldwide. A deliberate global sleeve hedges risk and captures growth from the companies shaping the future.
— Meet the advisor
CA Anoop
Maheshwari
"Wealth isn't built by chasing tips — it's engineered by structure and patience."
Anoop Maheshwari is a Chartered Accountant, personal finance and wealth management professional with over 15 years of experience in corporate finance, strategic planning, and risk management.
He specializes in helping individuals, families, and NRIs achieve their financial goals through bespoke wealth management, goal-based financial planning, and disciplined long-term investment strategies. By combining analytical rigor with personalized advice, Anoop helps clients preserve wealth, optimize investments, and build lasting financial security across generations.
Chartered Accountant
15+ years in finance
Corporate finance
Strategy & risk management
Individuals · Families · NRIs
Personalised planning
Finance fact of the day
Equity has beaten inflation in every rolling 15-year period in Indian market history.
Rule of 72
Divide 72 by your return rate to know how many years your money takes to double. At 12% → ~6 years.
₹36L → ₹3.5Cr
A ₹10k monthly SIP for 30 years at 12%. That's the quiet magic of compounding.
Interactive tools
Run the numbers.
See your future.
Four calculators that turn vague intentions into a concrete plan. Adjust the sliders — watch the math.
₹15,000
15 yrs
12%
Invested
₹27,00,000
Wealth gained
₹48,68,640
Total value
₹75,68,640
Field notes
Sharp ideas.
Plainly written.
Insights on markets, taxes, and behaviour — written for investors, not analysts.
Mutual Funds
Active vs Passive — the honest verdict for 2026
A category-by-category look at where alpha still exists in Indian MFs.
8 min readBy Anoop M.
Global
LRS, US ETFs and the case for currency diversification
How a 15–20% global sleeve quietly hedges your rupee exposure.
5 min readBy Anoop M.
Book a consultation
Let's design
your plan.
Share a few details — Anoop will personally schedule a 30-minute discovery call to understand your goals and outline an approach.