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WHY DO YOU NEED A RETIREMENT PLAN?
Retirement Plans are specially designed to meet your post-retirement needs. To ensure that you enjoy your golden years with financial independence, plan for your expenses and needs well in advance.
LET’S SEE HOW INFLATION WOULD AFFECT YOUR LIFE
You will retire in
Today
At retirement
₹ 92.82
₹ 99
₹ 5,000
₹ 5,350
₹ 50,000
₹ 53,500
₹ 20,000
₹ 21,400
₹ 3,000
₹ 3,210
₹ 3,000
₹ 3,210
₹ 5,000
₹ 5,350
Today
₹ 92.82
At retirement
₹ 99
Today
₹ 5,000
At retirement
₹ 5,350
Today
₹ 50,000
At retirement
₹ 53,500
Today
₹ 20,000
At retirement
₹ 21,400
Today
₹ 3,000
At retirement
₹ 3,210
Today
₹ 3,000
At retirement
₹ 3,210
Today
₹ 5,000
At retirement
₹ 5,350
WANT TO PLAN FOR YOUR RETIREMENT?
Use our SIP calculator to find out how much you need to invest to live the life you wish to post-retirement.
WANT TO PLAN FOR YOUR RETIREMENT?
Use our SIP calculator to find out how much you need to invest to live the life you wish to post-retirement.
For your dream retirement, you will require a corpus of ₹ 1,52,62,796 in 30 years. Your current investment of ₹ 50,000 may appreciate to ₹ 14,97,996 assuming 12% rate of return. You will require to accumulate an additional amount of ₹ 1,37,64,800 to fund your retirement.
SIP
₹ 3,938
Lumpsum
₹ 4,59,440
SIP
₹ 3,938
Lumpsum
₹ 4,59,440
STEPS TO BUILD A RETIREMENT CORPUS
1
Determine your monthly expenditure
Calculate the amount you will need every month to take care of your day to day expenses.
Ascertain your retirement duration
Retirement duration is the difference between ‘Life Expectancy’ and ‘Retirement Age’. For example, if you want to retire at the age of 60 and expect to live till 80, your retirement duration is 20 years.
2
3
Prepare for your retirement plan early
Planning for retirement should be done from the time you start earning. So, start investing since the beginning of your earning period to enjoy a healthy & wealthy retirement
Decide retirement corpus
Once you know your monthly expenditure and retirement duration, calculate the inflation adjusted corpus that you will need to fund the total expenditure during your retirement.
4
5
Ascertain SIP amount
To arrive at the amount that you should invest periodically, determine your expected return & risk to arrive at a suitable asset allocation.
Keep investing regularly
To harness the power of compounding, keep investing regularly with discipline.
6
7
Review & rebalance periodically
Periodically review your investment to manage asset allocation, keeping the risk level in check and goal on track.
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