Retirement Planning Factors (2025):
- Current Inflation: 2.10% (Jun 2025), average 5% historically[7][29]
- Life Expectancy: 70.8 years in India (increasing trend)[9]
- Pre-Retirement Returns: 10-12% from equity mutual funds[30]
- Post-Retirement Returns: 7-8% from conservative investments[28]
- Expense Replacement: 70-80% of current expenses typically needed[4]
- Healthcare Inflation: Higher than general inflation
Required Retirement Corpus
₹2,15,67,000
Key Planning Tips
- Start investing early for compound growth
- Review and adjust plan every 2-3 years
- Consider healthcare cost inflation
- Diversify across asset classes
- Factor in post-retirement income sources
Investment Options
- Equity Mutual Funds (growth phase)
- PPF, EPF, NPS (tax-efficient)
- Debt funds (stability in later years)
- SCSS, bonds (post-retirement)
- Real estate (inflation hedge)
