Many Malayali professionals living in the UAE dream of returning to their homeland — Kerala — for a peaceful and financially secure retirement. But turning that dream into reality requires careful financial planning. Whether you work in Dubai, Abu Dhabi, or Sharjah, creating a guaranteed post-retirement income is essential for maintaining stability and comfort after returning home.
This is where MyGoldenRetire, a trusted retirement planning agency led by Mr. Vishundas, steps in. With years of expertise and authorization from Bajaj Life Insurance, he provides expert guidance to help NRIs choose the most suitable Bajaj Life Retirement Plans designed for long-term stability, guaranteed returns, and peace of mind.
For personalized guidance, contact us directly on WhatsApp https://wa.me/918547125619
Why UAE-Based NRIs Need Retirement Planning Now
While life in the UAE offers tax-free income and career opportunities, it doesn’t guarantee long-term social security or pension benefits. Once NRIs decide to return to Kerala, the regular income stops, and without a structured plan, many face challenges maintaining their lifestyle.
Here’s why planning your retirement early is crucial:
- No Pension in UAE: Unlike India, the UAE does not provide a retirement pension system for expatriates.
- Job Uncertainty: Employment in the Middle East is often contract-based, with limited stability.
- Inflation in Kerala: The cost of living, medical expenses, and lifestyle costs are rising every year.
- Financial Independence: You deserve to enjoy your retirement without financial dependence on children or relatives.
To ensure steady income after returning to Kerala, NRIs must choose Bajaj Life Insurance Retirement Plans — known for guaranteed returns, tax benefits, and flexibility.
Top Retirement Plan Options for UAE NRIs Settling in Kerala
Below are the best retirement investment choices for UAE NRIs looking to build a lifelong income stream and secure their golden years.
1. Bajaj Life Guaranteed Pension Goal
This is one of the most trusted retirement products for NRIs. It helps you build a fixed income for life after retirement, ensuring peace of mind even after returning to India.
Key Features:
- Guaranteed lifelong pension.
- Option to choose monthly, quarterly, or yearly income.
- 100% return of purchase price to nominee after the policyholder’s lifetime.
- Ideal for NRIs above 35 who want secure post-retirement income.
Why NRIs Prefer It:
It offers certainty and stability—a must for those who want a regular income once they stop working abroad.
For expert help in choosing the right plan: https://wa.me/918547125619
2. Bajaj Life Long Life Goal
If you wish to receive income from a specific age and continue it for life, this plan is ideal.
Benefits:
- Provides income from the age you choose.
- Offers both protection and savings.
- Helps you plan for your family’s long-term needs even after retirement.
This plan is perfect for UAE-based NRIs who plan to settle in Kerala within 10–20 years.
3. Bajaj Life Smart Income Goal
This flexible plan combines life cover with income payouts, ensuring financial security for your family while providing you regular returns.
Advantages:
- Guaranteed regular payouts after a chosen term.
- Insurance protection throughout the policy term.
- Tax-free income under Section 10(10D).
This plan works best for NRIs with dependents in India or those seeking a dual benefit of savings and insurance.
4. National Pension System (NPS)
Although available to NRIs, the NPS offers market-linked returns and partial tax benefits. It’s a useful addition but doesn’t provide guaranteed income like Bajaj Life plans. Hence, a combination of NPS + Bajaj Life Pension Plan ensures both growth and security.
5. Systematic Investment Plan (SIP)
For NRIs comfortable with market risks, SIPs in mutual funds can help build wealth faster. However, these should only supplement—not replace—secure options like Bajaj Life Pension Plans.
Why Bajaj Life Insurance is Ideal for NRIs
Bajaj Life Insurance is one of India’s top 4 life insurance companies — uniquely positioned as a non-bank-backed insurer, which speaks volumes about its trust and credibility.
Why Bajaj Life stands out for NRIs:
- Reliable and secure investment structure.
- Lifetime income through annuity options.
- Multiple currency payment options.
- High claim settlement ratio.
- Expert agents like Mr. Vishundas providing end-to-end guidance.
With over years of experience, Mr. Vishundas ensures every NRI client receives personalized advice that fits their lifestyle, age, and financial goals.
How to Plan Your Retirement as a UAE NRI Returning to Kerala
- Determine your return timeline: Know when you’ll move back permanently.
- Estimate your monthly income needs: Include living expenses, healthcare, and emergencies.
- Choose your investment duration: Start investing while abroad to maximize returns.
- Select a Bajaj Life Retirement Plan: Choose one that aligns with your goals and return timeline.
- Consult Mr. Vishundas: Get expert help from MyGoldenRetire for the most effective plan selection.
Talk to our retirement planning expert: https://wa.me/918547125619
Example: How a UAE NRI Can Secure Monthly Income After Retirement
Let’s consider a 38-year-old professional in Abu Dhabi investing ₹15,000 per month in a Bajaj Life Guaranteed Pension Goal for 20 years.
At age 58, he can receive:
- A guaranteed monthly pension of ₹75,000 for life, or
- A lump-sum maturity amount for flexible use.
This income can easily cover living costs in Kerala and ensure a comfortable retired lifestyle without relying on anyone else.
Why Choose MyGoldenRetire for NRI Retirement Planning
At MyGoldenRetire, we specialize in helping NRIs from the UAE, Oman, Qatar, and other Gulf countries build strong financial foundations for their future in Kerala.
Under the guidance of Mr. Vishundas, an authorized Bajaj Life Insurance advisor with years of experience, clients receive:
Honest and transparent financial advice.
Tailor-made retirement strategies.
Hassle-free policy management.
Long-term post-retirement support.
Chat now for a one-on-one consultation: https://wa.me/918547125619
Final Thoughts
For NRIs in the UAE who wish to retire peacefully in Kerala, the time to plan is now. Investing in a Bajaj Life Retirement Plan through MyGoldenRetire ensures a guaranteed monthly income, financial independence, and peace of mind in your golden years.
With Bajaj Life Insurance—India’s 4th largest insurer without any bank ownership—you are investing in reliability, stability, and unmatched service.
So, don’t wait until retirement knocks at your door. Start today.
Build your future with Bajaj Life and expert guidance from Mr. Vishundas at MyGoldenRetire.
For a free consultation, message us now: https://wa.me/918547125619
