Dreaming of ₹80k monthly income? Here's your SIP roadmap!
Dreaming of ₹80K/month by 48? Factor in inflation! ₹80K today needs to be ₹2.5L+ in 20 years for same buying power. Your target isn't static, plan for the real number.
To generate ₹2.5 Lakhs/month (inflation-adjusted) without depleting capital, the '4% Rule' suggests a whopping ₹7.7 Crore corpus! Sounds big, but it's achievable.
Fixed SIPs fall short. Increase your SIP by 10% annually (stepped-up SIP) to leverage raises. A ₹15k initial SIP over 20 years can grow from ₹1.5 Cr (fixed) to ₹4.7 Cr!
For long-term goals, equity is key. Consider Flexi-Cap, Large & Mid-Cap, or Nifty 50 Index Funds. Diversify across 3-5 funds. Gradually de-risk nearing retirement.
Don't underestimate inflation. Never stop SIPs during dips – it's a sale! Avoid chasing returns, review annually, and always build an emergency fund first. Stay disciplined.
Calculate your personalized SIP amount and make your early retirement dream a reality! Use our Goal SIP and Step-Up Calculators today.