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Capitalmind for Retirees

You've built the savings. We'll do the sequencing.

For investors approaching or in retirement. We manage the shift from building wealth to drawing on it, so you can enjoy the years ahead while keeping your long-term needs in view.

Manage My Wealth

Uncover the Blind Spots in Your Retirement Plan

LIC policies, FDs, mutual funds, stocks. Each chosen for a reason. But together, they do not add up to a portfolio built for retirement.

Average retirement chart showing inflation losses eroding savings returns against inflation rate

The mix that built your corpus is still the one running it. You're holding the same equity allocation at 62 as you did at 42, even though everything else about your life has changed.

Wealth heavily concentrated in low-yield, low-liquidity investments like fixed deposits and real estate

Your insurance agent renews policies. Your RM recommends products. Your broker suggests stocks. Each has something to sell. But who's looking at what your portfolio actually needs over the next 30 years?

An unstructured withdrawal plan making every sell decision a stressful one

The Succession Gap

A retirement portfolio with no reserve set aside for unplanned medical or family expenses

Prepare for the Demands of Retirement

  • One Retirement Plan

    We bring your public-market investments together into a single portfolio, designed around what you need today and what you want to preserve for the years ahead.

  • Lifecycle-Aware Allocation

    We gradually shift your portfolio towards debt, arbitrage, and hybrid investments to manage volatility and support withdrawals as your retirement needs evolve.

  • Portfolio Over Products

    We manage your portfolio based on what works best for your wealth, without being tied to any particular product or provider.

  • Designed for Continuity

    We structure your portfolio with joint mandates and demat-based holdings, helping make the transfer of investments simpler and more straightforward when the time comes.

When is a PMS Right for Retirees?

Retiree with a retirement fund of ₹58,50,000 and 50% higher returns than average FD after inflation adjustment

Minimum ₹50 Lakh Investment

This is the minimum investment amount required by regulation for PMS investors.

Multi-Year Horizon

You're planning for a long retirement and need a portfolio that adapts to your changing needs, not just somewhere safe to park your money.

Tolerance for Market Cycles

You understand that some years will be strong and others weak. Short-term results matter less than long-term outcomes.

Willingness to Delegate

You want an investment team making portfolio decisions, rather than a platform asking you to make them yourself.

Portfolio-Level Thinking

You want all your public-market wealth viewed and managed as a single portfolio.

Your 4-Step Path to Smarter Wealth Management

  1. 1. Discovery

    We analyze your goals, current portfolio and your problems

  2. 2. Strategy

    We find the best strategies for you that meet your financial goals.

  3. 3. Onboarding

    Hand-holding through KYC, agreement, fund transfer.

  4. 4. Advisory & Analysis

    Monthly Fund Manager reports, periodic reviews, and rebalancing

Get Started Today

Frequently Asked Questions

SEBI mandates a minimum investment of ₹50 Lakhs for all portfolio management services, including ours.

You'll receive a Monthly Fund Manager report, along with full visibility into your holdings at any time.

Yes. PMS investments are not locked in — you can redeem your holdings, subject to standard settlement timelines.

Yes, Capitalmind Portfolio Managers is a SEBI-registered portfolio management service.

Book a call with our team, complete KYC and the onboarding agreement, and your portfolio construction begins from there.

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