The 30X rule says your retirement corpus (your total retirement savings) equals 30 times your yearly expenses. But add inflation (the yearly rise in prices) first. For example, a family spending ₹1.2 lakh a month now needs about ₹10.35 crore at age 55. This assumes 15 years to retire and 6% inflation. It is an
Quick answer: Most Indian retirees hold 30% to 50% of their money in equity (shares and equity mutual funds). A popular simple rule is 100 minus your age. Your share depends on your expenses, other income, and comfort with market falls. Keep 5 to 7 years of expenses in safer assets. Key Facts Inflation (the
Quick answer: To build ₹1 crore in NPS, you need about ₹13,800 a month for 20 years. This assumes a 10% yearly return. At 8%, you need about ₹17,500, while at 12% you need about ₹10,900. However, starting earlier cuts the amount sharply. These are illustrations, not promises. Key Facts ₹13,800 a month for 20
If you cannot fully fund both goals, prioritise retirement first. No one lends you money to retire, but education loans, scholarships, and part-time work can help bridge a college funding gap. Protect your EPF, NPS, and retirement SIPs first. Then direct whatever surplus remains into a dedicated child education fund. Key Facts PPF pays 7.1%
The 4% rule was built for US retirees on US market data. It assumes a 50–75% equity portfolio and roughly 3% inflation. India’s inflation and market cycles differ. Recent Indian research suggests a starting rate of 2.7% to 4.2% instead, depending on your tax bracket and equity mix. Key Facts The original 4% rule came
At 45, retiring at 60 gives you 15 years to build your corpus. For someone spending ₹60,000 a month today, a common estimate — after adjusting for inflation and 25 years of retirement — is roughly ₹3.5–4 crore. Your own number depends on your expenses, assumed returns, and life expectancy. Key Facts You have 15
Quick Answer: IDCW (Income Distribution cum Capital Withdrawal) pays out fund-decided amounts taxed fully at your income slab, while SWP (Systematic Withdrawal Plan) lets you redeem a fixed amount you choose, taxing only the gain portion at capital gains rates. Both have unique benefits — IDCW can work out tax-free for households under ₹12 lakh
Healthcare After Retirement In short: Healthcare after retirement gets expensive fast — Indian medical costs are rising roughly 12–14% a year, well ahead of general inflation. The fix is to plan it as its own line item: keep a standalone health policy running well before you retire (don’t rely only on employer cover), size a
Quick Answer: A good health insurance advisor for senior citizen parents in Chennai should compare policies across multiple insurers (not push one company), explain pre-existing disease waiting periods and co-pay clauses in plain terms, help with claim filing and hospital network checks, and stay available for policy review every renewal — not just at the
Business owners in India don’t get EPF or an employer pension, so retirement planning has to be self-directed. The practical approach is: build an emergency fund first, then split retirement savings across PPF (safe, tax-free), NPS (extra tax deduction under the old regime), and mutual fund SIPs (long-term growth potential), sized to a target corpus
Investments in Mutual Funds are subject to Market Risks. Read all scheme related documents carefully before investing. Mutual Fund Schemes do not assure or guarantee any returns. Past performances of any Mutual Fund Scheme may or may not be sustained in future. There is no guarantee that the investment objective of any suggested scheme shall be achieved. All existing and prospective investors are advised to check and evaluate the Exit loads and other cost structure (TER) applicable at the time of making the investment before finalizing on any investment decision for Mutual Funds schemes. Before making an investment, please contact the investment expert at Deepak Wealth Framework for designing a portfolio that suits your needs. We deal in Regular Plans only for Mutual Fund Schemes and earn a Trailing Commission on client investments. Disclosure For Commission earnings is made to clients at the time of investments. Option of Direct Plan for every Mutual Fund Scheme is available to investors offering advantage of lower expense ratio. We are not entitled to earn any commission on Direct plans. Hence we do not deal in Direct Plans.
AMFI Registered Mutual Fund Distributor | ARN - 328771 | Date of Initial Registration: 14/05/2025 | Current Validity: 13/05/2028.
