How to Invest Your First 1,000 Rupees
investing basics
beginners
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Building a Retirement Corpus: How Much Do You Really Need?
₹1 crore? ₹5 crore? ₹10 crore? This episode helps you calculate your retirement number and build a plan to get there using EPF, NPS, PPF, and mutual funds.
Episode Summary
Most Indians don’t plan for retirement until it’s too late. This episode provides a practical framework for calculating your retirement corpus and building a plan to achieve it.
Topics Covered
- Why ₹1 crore isn’t enough for retirement anymore (thanks to inflation)
- The retirement corpus formula: monthly expenses × 12 × 25 (the 4% rule adapted for India)
- Adjusting for inflation: why you need to think in future rupees
- The power of starting early: ₹10,000/month from age 25 vs 35
- EPF: your automatic retirement savings (don’t withdraw when switching jobs!)
- NPS: extra tax benefits and equity exposure
- PPF: the risk-free tax-free compounder
- Mutual fund SIPs for the equity component
- The bucket strategy for retirement income
- How to review and adjust your plan every 5 years
