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Layer 3 · Industry Domain MasteryRetirement & Estate

Retirement & estate planning in India

NPS, EPF, annuities, wills, trusts, succession — the long-tail of personal finance most advisors skim over.

25 hours of content8 chaptersFree during Phase 1

Quick info

Layer
Industry Domain Mastery
Track
Retirement & Estate
Estimated hours
25 hrs
Chapters
8
Cost on Trustner
Free
Full course material live

Every chapter below has Foundation, Deep Dive, and Advanced material — read in any order, expand each chapter to see the full content.

About this course

The long-tail of personal finance — NPS, EPF, annuities, wills, trusts, succession across faiths. The specialist topics most advisors only skim.

Who this is for

  • CFP candidates needing depth on the specialist modules.
  • Pre-retirees mapping their own next twenty years.
  • CAs and CSs offering succession-planning services.

What you'll learn

  • Building a goal-based retirement corpus and the assumptions that matter
  • NPS, EPF, and annuity choices in real households
  • Wills, nominations, joint holdings, and Power of Attorney
  • Succession laws — Hindu, Muslim, Christian, Parsi, intestate
  • When trusts make sense and when they don't

Course material — 8 chapters

Each chapter offers three tiers — Foundation for the core concept, Deep Dive for worked examples and practitioner depth, and Advanced for edge cases and exam tips. Click any chapter to expand.

  1. 1
    Chapter 1

    Retirement corpus targeting

    • Inflation-adjusted real-rupee targets
    • Sequence-of-returns risk in withdrawal
    FoundationDeep DiveAdvanced
  2. 2
    Chapter 2

    NPS deep dive

    • Tier I, Tier II, asset-class allocation
    • Active vs Auto choice; PFM selection
    FoundationDeep DiveAdvanced
  3. 3
    Chapter 3

    Annuities and post-retirement income

    • Immediate vs deferred annuities
    • Comparing yield against alternative withdrawal strategies
    FoundationDeep DiveAdvanced
  4. 4
    Chapter 4

    EPF, PPF, and superannuation

    • Contribution rules, withdrawal triggers
    • Tax treatment and the EEE regime
    FoundationDeep DiveAdvanced
  5. 5
    Chapter 5

    Wills and nominations

    • Drafting, witnessing, registering a will
    • Nominee vs legal heir — the common confusion
    FoundationDeep DiveAdvanced
  6. 6
    Chapter 6

    Succession laws

    • Hindu Succession Act
    • Muslim, Christian, Parsi succession
    • Intestate distribution
    FoundationDeep DiveAdvanced
  7. 7
    Chapter 7

    Trusts in personal planning

    • Private and family trusts
    • When to use one — and the cost of getting it wrong
    FoundationDeep DiveAdvanced
  8. 8
    Chapter 8

    Estate-tax watch and gift planning

    • Current absence of estate duty
    • Cross-generational gifting and clubbing rules
    FoundationDeep DiveAdvanced
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