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Retirement confidence, made measurable

Will your wealth support
the retirement—and legacy—
you have planned?

RetireSure assesses whether your investments
can fund your desired monthly income,
withstand difficult markets, and
leave the corpus you want for the next generation.

Check my retirement readinessSee an example report

Designed for investors approaching retirement with substantial lifestyle or legacy goals.

Sandipani Capital

Trust earned over three decades.

Built patiently, through changing markets and generations of family relationships.

30+ years

of experience

Acumen

300+

family relationships

Relationships

₹300+ Cr

Assets Under Management

Wealth

Time created relationships. Relationships created entrusted assets.

01 · The goal

One corpus.Two promises to keep.

One corpus

Your retirement

₹1 lakh+

Every month, rising with inflation

Your legacy

₹10 crore+

Preserved for your children

RetireSure tests whether yours can keep both.

02 · An illustrative family

Meet Mr. and Mrs. Desai.

At 52, the Desais are eight years from retirement.

Ink illustration of the hypothetical Desai couple
52Today60Retire90Horizon

Their planning brief

Current portfolio

₹6.20 croreToday

Desired lifestyle

₹2 lakh/monthin today's terms

Legacy goal

₹10 crore+for Arjun and Anaya
View complete planning assumptions

Healthcare · Holidays · Inflation · Annual investment step-up

Lifestyle expenses are stated in today's terms. The ₹10 crore legacy is an illustrative nominal floor at age 90.

Wealth gives the Desais options. RetireSure tests whether they survive real conditions.

03 · The RetireSure verdict

One number tells the Desais
where they stand.

RetireSure simulates their next four decades 1,000 times — booms, crashes and ordinary years — and counts the futures in which both promises hold.

89/100

RetireSure Score

In 89 of 100 simulated futures, the corpus funds their lifestyle to age 90 and leaves ₹10 crore behind.

What shapes the score

  • Retirement lifestyle45%
  • Legacy planning35%
  • Market uncertainty20%

And the 11 futures that fail?

  • 8 in 100 ran out of money before age 90.
  • 3 in 100 funded retirement but finished below the ₹10 crore legacy.

Knowing exactly how a plan can fail is what makes it fixable — years before it matters.

04 · One thousand futures

Eight years, simulated a thousand ways.

Projected portfolio value from 52 to retirement at 60. The band spans adverse to favourable futures; the strong line is the median.

0₹5 Cr₹10 Cr₹15 Cr₹20 CrAge 5254565860Goal at 60 · ₹15 CrFavourable case₹21.3 CrMedian case₹17.0 CrAdverse case₹13.5 CrThey're here · ₹6.2 Cr

The median future reaches ₹17.0 crore at 60 — clearing the ₹15 crore both promises require.

Projected portfolio value in ₹ crore by age, for adverse, median and favourable simulated cases
AgeFavourable caseMedian caseAdverse case
526.26.26.2
548.48.07.5
5611.510.39.1
5815.613.211.1
6021.317.013.5

05 · The stress test

What if markets fall 40%
the year they retire?

The worst moment for a crash is the day before withdrawals begin — so that is exactly where RetireSure applies it.

5075100125Age 5557596163Retirement · 60Back to pre-crash a full year soonerYour portfolioNIFTY 500

Estimates based on the current asset allocation, selected schemes and their past performance. Past performance is not guaranteed.

−40%NIFTY 500 decline at the crash
−30%Their portfolio's decline at the crash
1 year soonerPortfolio back at pre-crash level, ahead of NIFTY 500

Avoiding part of the fall means less ground to recover — at the moment they can least afford a major loss.

The people behind the plan

Two generations.
One standard of care.

Sandeep J Shukla

Market experience

Sandeep J Shukla

  • 30+ years in financial markets
  • Guided families across multiple market cycles
  • Discipline and systems over noise
Janmey S Shukla

Research & analytics

Janmey S Shukla

  • Background in data science and risk analytics
  • Research-driven, process-led investing

06 · In their words

Advice matters most
when life gets complicated.

Today, I feel far more confident about my finances because I know there's a thought process behind every investment decision we make.

— Deven Rawal

The situation that stood out

“Sandeep bhai guided us through the entire process, step by step. He kept us informed, handled things systematically, and made what could have been a stressful experience much easier for our family.”
Read full testimonial

My experience

When I first started thinking seriously about early retirement, I had plenty of questions but very few clear answers. Sandeep bhai helped me look at my finances differently. Instead of simply recommending investments, he explained how each one fits into a larger plan and what role it plays in helping me achieve my goals.

What I appreciate most is that he never assumes I understand financial jargon. He takes the time to explain things patiently and in plain language. Today, I feel far more confident about my finances because I know there's a thought process behind every investment decision we make.

Situation which stood out

A few years ago, after my uncle's passing, our family had to deal with the transmission of several investments. It was a difficult period and paperwork was the last thing we wanted to worry about. Sandeep bhai guided us through the entire process, step by step. He kept us informed, handled things systematically, and made what could have been a stressful experience much easier for our family.

07 · Your first step

Now run the same test
on your retirement.

A RetireSure review produces this exact report for your family — your portfolio, your goals, your score, and the futures where your plan needs work.

  • Your RetireSure Score1,000 simulated futures — and the exact ones where your plan fails
  • Portfolio journeyYour returns and alpha against the NIFTY 500, year by year
  • Risk you are carryingVolatility versus the benchmark, in plain numbers
  • Crash stress testHow your plan behaves if markets fall 40% before retirement
  • Every goal, fundedEducation, lifestyle and legacy goals with SIPs mapped to each
  • Fund-by-fund verdictsStar performers — and the funds we have put on watch

Discover your RetireSure Score.

One conversation to map your readiness — with the people who have done this for families for three decades.

Book your RetireSure reviewExplore the Desai case study

The Desai family shown above is illustrative. Mutual fund investments are subject to market risks; projections are estimates, not guarantees.

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