Retirement is not the end of responsibility. It is the beginning of financial decisions that are entirely your own.
A small academy for those nearing or recently in retirement from government service. Central and state government, defence, public sector, banks, railways. Maximum 30 people per batch. We help you understand your retirement money before anyone else tells you what to do with it. No commissions. No products sold. Ever.
Retirement brings decisions about gratuity, pension, taxation, investments, insurance and inheritance. Most people are expected to make them with very little preparation.
Many of those decisions are influenced by people who earn money when they sell a product.
Arthakosh exists to help you understand those decisions before you commit to them.
When you retire after 30 years of government service, a large sum lands in your account. Gratuity, provident fund, leave encashment. Within days, people show up wanting to help you invest it. The LIC agent. The bank relationship manager. The mutual fund distributor. Sometimes a former colleague who now works for one of them. All of them helpful. All of them on commission. None of them legally required to act in your interest. Most retirees don't know any of this. The Arthakosh Academy changes that.
Most people retire without knowing exactly what they own. Every policy, every account, every entitlement. We fix that in the first week. You leave with a complete picture of your finances, probably for the first time in your life.
The ability to evaluate financial decisions independently. Learn how to assess claims, ask better questions, use modern tools including AI, and build your own investment principles.
Your retirement money needs to support you for decades, not years. The basics of pension taxation, inflation, and estate planning. The questions nobody walks you through at retirement, and the language to ask them properly.
Five questions that expose any advisor not working in your interest. Who earns what. How commissions flow. The difference between someone selling you a product and someone the law requires to put you first.
After you graduate, you stay. A group of people with the same background, the same corpus, the same questions, meeting every month to review real decisions together. Not for 10 weeks. For the rest of your life.
We want you to know this before you apply.
No pre-recorded videos. No PDFs to download and never open. Ten weeks of live sessions with people who have done this for years, working through real problems in small groups.
We don't teach products.
We build independent thinking and financial confidence for your retirement years.
Four commitments, written down, kept without exception. Verify any of them before you enrol.
Program fee, and an optional annual membership for graduates. No product sales. No commissions. No referral fees from advisors, banks, or platforms.
Every framework is built around a government employee leaving service. The money that arrives, the people who follow, the decisions that compound across thirty years.
Led by CA. Ashish Goyal and Anshuman Gautam, with over forty five years between them across capital markets, investing, and technology. Module faculty are named in advance. No one teaches anonymously.
Graduates join one continuing alumni community. Monthly sessions for as long as the academy exists. If we cannot honour that, we tell you directly and refund what is unused.
Straight answers.
Tell us you are interested. When the cohort opens, you hear first. No selling. No spam.
We respect your privacy. No spam, ever.