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Pension/Retirement

1. What is Pension Management ?
Pension is a voluntary and contributory, defined retirement savings scheme designed to ensure adequate availability of savings for customers post their retirement age. A pension plan is an employee benefit that commits the employer to make regular contributions to a pool of money that is set aside in order to fund payments made to eligible employees after they retire. It can also be voluntary retirement savings.
It is mostly one and the same. Different people use the term in different context. But all the savings have the common goal to achieve adequate savings to ensure enough money is available to spend for a living as per their lifestyle requirement.
Pension management is important as it ensures a steady source of income when one needs the most. It helps you in unavoidable and unexpected situations. It gives Financial Independence, covers important medical expenses, manage the inflation related issues, ensures you have a peaceful post retired life etc. It helps the citizens to focus their energies into more productive work.
INVULB has used first of its kind Pension Product Basket (portfolio) based on INVULB product ratings-
  • INVULB has created a unique Pension Management tool which profiles the customers on various in-depth parameters.
  • Customers are then classified into Five Basket (portfolio types)
  • Each product basket type have clear Investment logic and Return goals
  • Each Product Basket is a proprietary INVULB mix of financial Products based on INVULB financial model to ensure the user gets the best returns.
  • All users get access to simple but detailed Dashboard showcasing the product performance
INVULB has used first of its kind Pension Product Basket (portfolio) based on INVULB product ratings
  • INVULB identifies financial products with value opportunity, low-risk and reasonable liquidity.
  • We do a thorough analysis of factual information with specific focus to management capabilities, governance, business model, balance sheet structure, cost management, cash-flow, business performance, growth, industry standing and overall economic situation.
  • INVULB categorize the financial products as A/B/C rating based on a scoring
  • INVULB evaluates financial products under the fair value/ over- valued zone – to initiate partial exit & full exit strategy
INVULB has created a unique Pension Management tool which profiles the customers on various in-depth parameters
  • Customers are then classified into Five Personas based on their Risk and current life stage done thru a seamless seven (07) step proprietary AI driven process.
  • Further to the above, we provide a well-researched Pension Calculator tool to ascertain the specific Pension corpus requirements
  • Start your corpus by choosing one of the multiple baskets of Investment options (MFs/Gold etc.)
  • Each basket type has a clear Investment logic and Return goals. All Baskets are proprietary to INVULB
  • In case the user wants to understand other Pension Plans and Investment options, (he/she) can explore other plans. (However as of now we have a cap of 6 months to move to other plans)
  • All users get access to simple but detailed Dashboard showcasing the product performance. User can choose the best Pension Management option based on the above criteria and target retirement corpus needs.
Their is no ideal age to start investments. The earlier one can start the investments, it is better as it will help them give more freedom with many financial and life goal decisions. Customer needs to understand the need to do correct financial investments keeping in mind their life situations and the future scenarios. The key is to start the Investments.
On accumulation of your desired Corpus and reaching your retirement age, INVULB will facilitate moving the accumulated funds into more liquid and safe investment avenues thus ensuring simple and regular withdrawal options. On an average 8% can be reasonably expected during your post retirement time. Further, we provide a well-researched Pension Calculator tool to ascertain the specific Pension corpus requirements. Please visit https://invulb.com/pension-calculator/ to explore further.
To start investments one needs to Register with INVULB. Please Login to https://product.invulb.com/sign-up and Register for free.
Please note that it is important to understand your financial goals, risk tolerance, and investment horizon before starting any investment.
Your Investments with INVULB are very safe and secure. We are a registered company in India and follow all the regulatory requirements that are necessary to provide the services.
As per Govt regulations, any investor has to provide KYC details (Identification/Address/signature validation/Bank details etc..) or renew the KYC if it is not updated with the Government records. KYC is a standard requirement globally within the investment industry. It’s a process from industry regulatory bodies to protect all stakeholders within the industry and it’s in the best business interest of any investment firm or investor. Government as on date primarily utilises PAN Card & Aadhar as the primary source of validation.