Dream of ₹70k/month in 25 years? Inflation changes everything! Let's uncover the real SIP needed for your golden retirement.
₹70,000 today isn't ₹70,000 in 25 years. With 6% inflation, you'll need ₹3,00,000/month just to maintain current lifestyle! Don't let inflation kill your dreams.
To generate ₹3 lakh/month income using a safe 3.5% withdrawal rate, you'll need a whopping ₹10.28 Crore corpus! Sounds huge? Time + Smart SIPs = achievable.
To hit ₹10.28 Crore in 25 years with 12% returns, a flat SIP would be ₹77,000/month. Too much? There's a smarter way!
Instead of a high fixed SIP, start with ₹25,000 - ₹30,000 and increase it by 10% annually. This strategy makes your ₹10 Crore goal realistic and manageable.
For long-term growth (25 yrs), focus on diversified Equity Mutual Funds (Flexi-cap, Large & Mid-cap, ELSS). Near retirement, shift to Balanced Advantage Funds for stability.
Don't delay! Use a goal SIP calculator to map your journey. Start planning today for the retirement you deserve. Visit sipplancalculator.in.