How to retire peacefully: Your questions, our answers

Who better to help plan your retirement than Dhirendra Kumar?
Watch this episode of Investors' Hangout to get the answers to your retirement planning queries.

Be it queries related to mutual funds, stocks, or tax-saving investments, Value Research https://www.valueresearchonline.com will answer all of them. Feel free to post your query on https://vro.in/askvr.

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Here are the key takeaways:
* Consider retiring when your accumulated savings are 20 to 30 times your annual income requirement.
* To support a rising inflation-beating income in retirement, ensure your withdrawal rate does not exceed 6%.
* It's not advisable to avoid equity in retirement. While it involves risk, it is the only way to ensure you don't deplete your capital.
* Limit your consumption to no more than 75% of your annual appreciation to maintain your capital.

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Chapters:
00:04 Introduction
00:31 What is the draw-down rate for 30 years of fund survival with the original rupee value intact?
02:01 Where and how can I invest my retirement corpus if I retire soon?
05:49 How to be financially free at 40?
07:52 Which fund is best to invest ₹1 crore and take ₹1 lakh monthly?
09:50 If I don't need to systematically withdraw (SWP) my money for at least 3 years, should I allocate it to Balanced Advantage Funds or Multi-Asset Funds to withdraw @8% without suffering any capital erosion, or should I choose any other type of fund?
10:55 Most of the knowledge resources you provide are useful yet subjective. Investment decisions are complex and require objective analysis of potential investment options. Can Value Research provide simple tools that could help calculate ROI combined with risk?
14:18 How do I crashproof my retirement corpus?
15:47 What should be the amount at retirement as a multiple of monthly expenses at 60 years sufficient for 20-25 years? What should be the withdrawal plan for this?
17:09 I would like to generate a monthly income of ₹50,000. How can I plan this by investing for 15 years?
18:11 I'll be retiring after five years. Right now, I have ₹2.5 crore in mutual funds, a mix of diversified funds. I'm investing ₹1,00,000 per month and can continue until retirement. What else should I do?
19:54 I've been in government service for 15 years, with moderate mandatory savings in NPS, a very small part in stocks, and a moderate share in mutual funds. I am 42 and want to retire at 45. How should I invest for an early retirement?
21:19 When you mention investing post-retirement, can I put my retirement money in conservative hybrid funds where the fund house allocates 20% to debt and the remaining to equity? Isn't this better as the experts at the fund house will handle it?
24:03 I'm 50 right now and will retire within a few months due to health issues. I have a corpus of ₹2.8 crore, mostly in debt (PF, PPF, etc.) and about 25% in equity. Is this corpus sufficient for retirement? Is any rebalancing required? My monthly expenses are around ₹50 - 60,000.
25:37 Key Takeaways

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