Investing for Senior Citizens

Money that lasts

Financial peace of mind for retired professionals and business owners.
Portrait of a old indian gentleman smiling at the camera sitting at his desk
Portrait of a old indian woman smiling at the camera
Life after the paycheque
What really keeps you up at night now that the office lights are off.‍
worried old indian couple
71%
of retirees fear outliving their savings
62%
of seniors help adult children or grandchildren financially
1 in 3
retirees say market swings now feel “personal,” not just “on paper”
Old indian man reading newspaper with anxiety
You’ve spent decades earning, saving, and building. The calendar may say you’re retired, but your mind still runs the numbers:
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Will my money last? Can I afford rising medical costs? What happens if markets crash right when I need cash? And, how do I leave something meaningful for the people I love without short-changing myself today?
Quiet fears few advisors address
As retirement approaches, many seniors worry about outliving their savings, rising medical costs, or becoming a financial burden.
At Truffle, we listen with care and design strategies that bring peace of mind for the years ahead.
“I don’t want to become a burden.”
You’d rather tighten your belt quietly than call your children for help. Yet nursing care, home modifications, and medications can upend even disciplined plans.
Reality: The average Indian city couple spends ₹45 lakh on late-life health care—often unplanned.
“The markets scare me now.”
A dip in your 40s felt manageable; a dip in your 70s feels like a gut punch. You can’t “wait it out” forever.
Reality: A 20% market fall early in retirement can slice a 30-year income plan by nearly half.
“I want to leave a legacy—but still live well today.”
Gifting while alive feels joyful, yet you still need confidence that you’ll never run short.
Reality: 58% of retirees give financial help to family every year but worry they may over-give.
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The aspirations guiding every choice
Every choice about money carries a hope — of freedom, of comfort, of leaving behind something meaningful.
At Truffle, we anchor every decision to the future you hope to create.
“I want a steady income I can trust.”
Not just dividends that jump around or interest that barely beats inflation—but paycheque-like money that shows up month after month.
“I want health costs covered without worry.”
Plans that protect savings from sudden hospital bills or long-term care fees, so health surprises don’t become money crises.
“I want to pass on wisdom and wealth—without red tape.”
Clear, simple steps that keep family harmony and cut paperwork when assets move to the next generation.
Why typical advice falls short
Too much jargon, too little clarity
Fancy charts don’t ease late-night anxiety. You need plain-spoken answers to plain questions.
One-size-fits-all “age rules”
“Put 60% in bonds at 60” ignores whether you own a commercial building, a rental flat, or a healthy pension.
Focus on growth, not cash flow
Many plans chase returns instead of designing dependable income streams.
Little help with family dynamics
Estate paperwork may be tidy, but emotions get messy if no one prepares the heirs.
How we serve seniors differently
Income First, Worry Less
We build layered income—so bills are paid, fun money flows, and markets can’t derail daily life.

Example: A retired CEO replaced volatile dividends with a ladder of safe bonds and monthly payouts, covering all fixed costs for 20 years.
Health-Cost Shield
We map likely medical scenarios, set aside a dedicated “health bucket,” and guide you through senior-friendly insurance. Hospital bills never touch your day-to-day living fund.

Example:A couple redirected a low-yield FD into a tax-efficient health corpus, trimming future out-of-pocket risk by 70%.
Legacy with Love, Not Legal Hassles
From easy-to-update wills to family trusts, we partner with specialists who simplify transfer and minimise taxes, and—most importantly—we coach families through tough money talks.

‍Example:A business family moved factory property into a trust, avoiding estate fights and saving heirs ₹2 crore in potential taxes.
We Invest Alongside You
Every recommendation is in our own parents’ or our own portfolios. If it’s not safe for them, it’s not recommended for you.
Plain Language, Always
We translate every rupee, return, and risk into everyday words. If you can’t explain it back to us, we rewrite until you can.
A partnership built for the next 30 years
Quarterly “life check-ups” to rewind spending, tweak income, and factor in new health updates.
Fast-track help during market drops: phone or video within 24 hours.
Family meetings so children know the plan and respect your wishes.
Transparent fees—no hidden costs, ever.
why they chose truffle wealth
Real stories, real peace of mind
Silhouette of a old man
The Engineer Who Wanted Predictable Paydays
After 35 years in oil & gas, he feared a market crash more than drilling mishaps. We built a staggered bond ladder and an annuity that covers all household bills. Now market news is just that—news, not panic.
Silhouette of a couple
The Couple Caring for Elderly Parents and Adult Kids
They shoulder three generations. We carved out a health reserve for parents, set up education funds for grandkids, and secured their own lifetime income stream. They finally booked the Europe trip they’d postponed for a decade.
Silhouette of a man wearing a suit
The Retired Shop Owner Unsure About Passing the Key
His storefront was his identity. We structured an investment portfolio, giving him steady income and easing his daughter into ownership—no abrupt cutoff, no family friction.
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Your Next Step...
Make your money work just as hard in retirement as you did at work.

Let’s talk soon.
You won’t receive
  • Criticism or judgment about past choices
  • Pressure to buy complex products
  • Advice that ignores your real-life worries
You will receive
  • A clear snapshot of where you stand today
  • A step-by-step income plan tailored to your lifestyle
  • A health-cost safety net design
  • A legacy map your family will thank you for
Ready to sleep better at night?
Schedule Your Consultation →
Schedule Your Consultation →
Retirement should feel like a well-earned exhale. Let’s build a portfolio that lets you breathe easy, today and tomorrow.
The journey to financial confidence doesn't have to be lonely. We're here to walk it with you.
illustration of two men shaking hands over a business deal with city skyline
A family business preparing for handover
87% reduction in reporting time since switching to Prospect.
A family running a manufacturing business needed help passing the company to the next generation. They worried about figuring out what the business was worth, reducing taxes when transferring ownership, and making sure everyone in the family would be financially secure. We created a step-by-step plan that helped the business change hands smoothly, kept family relationships strong, preserved the company's value, and reduced their tax bill.
Family in the Manufacturing Sector
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