Скачать или смотреть Retire Rich: How Much Retirement Corpus Do You Need in India? | Retirement Planning | Chandrashekar

Welcome to SocialPost Finance! In this insightful discussion, Mutual Fund Distributor Chandrashekar joins Nihal to tackle a critical question in financial planning: How much retirement corpus do you truly need in India?.

The conversation focuses heavily on planning for increased life expectancy (longevity). Many investors create a corpus but fail to calculate how long they will actually live and how many years of passive income they require.

Key Concepts and Calculations:

Using the example of a 30-year-old person planning to retire at 60, the video illustrates the crucial calculations needed to ensure financial independence. The calculation uses a baseline current monthly expense of ₹50,000, a 7% inflation rate, and assumes a pre-retirement return of 12% on investments, lowering to 8% post-retirement due to reduced risk appetite.

Scenario 1: Planning for 85 Years of Life Expectancy

If the investor lives until 85 years (requiring 25 years of passive income post-retirement), they would need approximately ₹3,80,000 per month to maintain their lifestyle after age 60.

• Required Corpus: Approximately ₹11.42 Crores.

• To achieve this corpus, the investor would need to contribute:

◦ Monthly SIP: ₹37,000 per month for 30 years.

◦ One-Time Lumpsum Investment: ₹38 Lakhs, invested for 30 years.

Scenario 2: Planning for Greater Longevity (95 Years)

Since nobody can predict exactly how long they will live, the experts recommend planning for longer periods, such as 95 or 100 years. If the same person plans to live until 95 years (requiring 35 years of passive income), the required corpus significantly increases.

• Required Corpus: Approximately ₹16 Crores.

• To achieve this corpus, the investor would need to contribute:

◦ Monthly SIP: ₹52,000 per month for 30 years.

◦ One-Time Lumpsum Investment: ₹54 Lakhs, invested for 30 years.

The Crucial Takeaway:

It is essential to incorporate maximum longevity into your planning (e.g., 90, 95, 100 years). If you fail to calculate for a longer lifespan, your passive income might run out, potentially leading to dependency later in life. Current statistics generally show a minimum life expectancy of 85 years.
Watch the full video to understand these calculations and ensure you are building a retirement corpus that will last!

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Retire Rich: How Much Retirement Corpus Do You Need in India? | Retirement Planning | Chandrashekar
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