Severance Navigator

Financial Navigator
Secure Runway

Runway fully funded!

Your severance and investments can support your sabbatical goals easily. Here is your financial plan.

No adjustments needed. You have financial safety.
100% Funded
Survival Runway
18 Mos
Target Met
Total Capital
₹2,00,000
Severance + Corpus
Projected Spend
₹75,204
Incl. 6.0% Inflation
Final Surplus
₹1,42,506
Left after 18 mos

Where to Put Your Severance & Corpus

To guarantee you do not run out of money, we recommend dividing your total capital into three tactical buckets based on your risk tolerance.

Cash (20%)

Liquid Emergency Fund

Keep this portion untouched in highly accessible accounts to cover your immediate monthly expenses and protect against unexpected emergencies without liquidating stock.

  • High Yield Savings (HYSA)
  • Money Market Funds
Debt (60%)

Short-Term Fixed Income

Invest this portion in low-risk interest-bearing instruments. This provides stability, beats savings rates, and matches your monthly runway drawdown requirements.

  • Fixed Deposits / CDs (12-24m)
  • Short-Duration Debt Funds
  • Govt Bonds / G-Secs
Equity (20%)

Long-Term Growth

Allocate this portion to equity index funds to hedge your portfolio against inflation. Suitable only for capital you will not need to touch for at least 3-5 years.

  • Broad Market Index (S&P 500)
  • Dividend Aristocrat Stocks

Layoff Action Plan Checklist

Tactical Sabbatical Advisory

Set Up a Systematic Withdrawal Plan (SWP) Avoid withdrawing chunk sums manually. Instruct your debt fund/bank to auto-transfer your target monthly spend to your checking account. This controls impulse spending.
Health Insurance Bridge Losing employee health benefits is a risk. Review local health insurance options or private coverage immediately to protect your savings from medical emergencies.