Your guide to achieving a comfortable life with smart SIP planning in India.
₹50,000 today won't buy the same in 20-25 years. Inflation (avg. 6%) means you'll need ~₹2.14 Lakhs monthly at retirement to match today's buying power. Don't overlook it!
To withdraw ₹2.14 Lakhs monthly (inflation-adjusted) using the 4% rule, you'll need a massive ₹6.42 CRORES retirement corpus. This is your actual SIP target!
Your SIP amount depends on: 1. Your Age (start early!). 2. Expected Returns (aim 11% long-term equity). 3. CRUCIAL: Annual Step-Up SIPs.
Targeting ₹6.42 Cr? Fixed SIP might be ₹76K/month. With a 10% annual step-up, start with just ₹23-25K/month! Grow your SIP as your income grows.
Ignoring inflation, starting late, fixed SIPs, panic selling in market dips, and poor diversification are common mistakes. Stay disciplined & long-term.
Ready to build your retirement dream? Use our free SIP Step-Up Calculator & Goal SIP Calculator to map your journey! Visit: sipplancalculator.in