Dreaming of early retirement? Discover the real SIP needed to achieve ₹1 Lakh/month income at 50, inflation-adjusted.
₹1 lakh today is not ₹1 lakh at 50! Due to 6% inflation over 15 years, you'll need ₹2.40 Lakhs/month to maintain buying power.
To get ₹2.40 Lakhs/month at 50, using a 4% safe withdrawal rate, you need a corpus of ₹7.2 Crores. This is your target!
To reach ₹7.2 Cr at 12% returns: Start at 30 (₹73K/month), 35 (₹1.5L/month), 40 (₹3.15L/month). Step-up SIPs are key!
Start with equity-heavy funds (Flexi, Large-cap, Index funds). As you near 50, gradually shift to debt funds to de-risk your portfolio.
Don't underestimate inflation, skip step-up SIPs, panic sell, ignore emergency funds, or assume unrealistic returns. Stay disciplined!
Use our online calculators to find your exact SIP! Plan your dream retirement today. Visit sipplancalculator.in