Plan your retirement savings and corpus
A common rule is 25-30x your annual expenses as retirement corpus. If you need ₹50,000/month, that's ₹6L/year, requiring ₹1.5-1.8 crore corpus. Factor in inflation—expenses grow 6-7% annually. Healthcare costs increase significantly post-retirement.
Start in your 20s to leverage compounding. Starting at 25 vs 35 with same monthly investment means 2-3x more corpus at 60. Even small amounts started early beat larger investments started late. Time in market beats timing the market.
The 4% rule suggests withdrawing 4% of your corpus in year one, adjusting for inflation annually. It historically provided 30 years of income. In India with higher inflation, consider 3-3.5%. This means ₹1 crore corpus supports ₹3-4 lakh/year withdrawal.
Yes, factor in EPF, PPF, NPS annuity, any defined pension if applicable. However, don't rely solely on these—they may not cover all expenses. Build personal investments. Consider these as baseline, with personal corpus for comfortable lifestyle.
20s-30s: 70-80% equity for growth. 40s: 60-70% equity, start adding debt. 50s: 50-60% equity, more stable investments. Near retirement: 30-40% equity, focus on capital preservation. Adjust based on personal risk tolerance and other income sources.
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