Pension Plan

At Vivaan Capital, our Pension Plans are designed to ensure lifelong financial security and peace of mind. These plans help you build a reliable retirement corpus during your working years, which later converts into a steady income stream, allowing you to maintain your lifestyle even after retirement. With flexible options and expert guidance, we help you plan today for a worry-free tomorrow.

• 1. Defined Benefit Plans: Provide a fixed income post-retirement based on factors such as salary and years of service.
• 2. Defined Contribution Plans: Allow regular contributions that grow over time, offering income stability after retirement.

Features of Pension Plans

• 1. Regular Income: Enjoy a steady flow of income during your retirement years through lump sum or periodic payouts.
• 2. Tax Benefits: Contributions qualify for tax deductions, helping you save while you invest for the future.
• 3. Flexible Contributions: Choose between regular or one-time contributions based on your financial comfort.
• 4. Investment Options: Diversify across equity, debt, or hybrid funds as per your risk appetite and goals.
• 5. Guaranteed Returns: Certain plans offer assured returns, providing financial stability and predictability.
• 6. Life Coverage: Many pension plans include life insurance benefits, ensuring your family’s security if the unexpected occurs.
• 7. Partial Withdrawals: Access funds during emergencies after a specific lock-in period.
• 8. Vesting Period: Become eligible for pension benefits after completing the minimum contribution period.

Benefits of Pension Plans

• 1. Financial Security: Ensures a consistent income flow and financial independence after retirement.
• 2. Compounding Growth: Grow your savings steadily over time through disciplined, long-term investment.
• 3. Inflation Protection: Some plans offer incremental payouts to safeguard against rising living costs.
• 4. Tax Efficiency: Reduce your tax burden while securing your future with eligible tax deductions.
• 5. Peace of Mind: Enjoy a worry-free retirement knowing your finances are well-planned and protected.
• 6. Healthcare Support: Certain plans include coverage for medical expenses in your senior years.
• 7. Independence: Maintain financial freedom without relying on others after retirement.

Why Choose a Pension Plan from Vivaan Capital?

• 1. Expert Guidance: Our financial experts help you select the right plan to match your retirement goals.
• 2. Customized Solutions: Choose from a range of flexible plans designed to suit different needs and lifestyles.
• 3. Long-Term Security: Ensure a stable income and a secure future for you and your loved ones.
• 4. Inflation & Health Protection: Stay covered against rising costs and unexpected health expenses.
• 5. Financial Independence: Build a strong retirement corpus that supports your desired standard of living.

Frequently Asked Questions (FAQs)

• 1. What is the ideal age to start a pension plan?

  Starting early, ideally in your 20s or 30s, allows your money to grow significantly through compounding over time.

• 2. Can I withdraw money before retirement?

  Partial withdrawals are allowed after the lock-in period; however, early withdrawals may reduce your total corpus.

• 3. Is pension income taxable?

  Pension income may be taxable as per prevailing tax laws, but certain exemptions and deductions can apply.

• 4. Can I change my investment options later?

  Yes, most plans allow you to switch between investment options during the accumulation phase.

• 5. What happens if the policyholder passes away before retirement?

  In such cases, the nominee receives a lump sum or regular income as a death benefit, ensuring continued financial security.