Retirement Planning Strategies for FY 2025-26
Retirement planning is crucial for financial independence in India's evolving economy. With rising life expectancy and 4-5% inflation, a corpus of ₹5-10 crore may be needed (assuming ₹10L annual expenses and 30 years of retirement). Our Retirement Planning Calculator helps estimate your target.
Key Retirement Investment Options
- NPS: 8-10% returns; tax benefits under 80C + extra ₹50K under 80CCD(1B). Try our NPS Calculator.
- PPF: 7-7.5% tax-free, 15-year lock-in, 80C eligible.
- Equity MF SIPs: 10-12% returns long-term. ₹10K SIP at 12% → ₹1 crore in 25 years.
- Fixed Deposits: Short-term safety at 6.5-7.5%.
Building Your Plan
- Estimate Expenses: Project today's monthly expense and inflate at 5%/yr.
- Set Corpus Goal: 25-30x annual expenses. ₹10L/yr → ₹2.5-3 crore.
- Diversify: 60% equity, 30% debt, 10% liquid.
- Review Annually: Bump NPS/SIP 10%/year.
A ₹5 crore corpus needs ~₹15,000/month at 12% over 30 years. Plan for healthcare costs (8-10% medical inflation). Project your retirement →