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Is ₹6 crore enough to retire? How to plan for a secure future
March 14, 2025
|Mint Hyderabad
I am 38 years old, earning ₹1.80 lakh per month, with monthly expenses of ₹1 lakh.
My current investments include ₹8,000 in NPS, ₹6,000 in VPF, ₹8,000 in EPF, and ₹50,000 per month in equity mutual funds.
My accumulated savings stand at ₹7 lakh in NPS tier-I, ₹15 lakh in PPF, ₹14 lakh in EPF, ₹28 lakh in mutual funds (including ₹2 lakh in a debt fund for emergencies), ₹2 lakh in fixed deposits, ₹4 lakh in equity stocks, and ₹10 lakh in corporate fixed deposits and sovereign gold bonds.
I also have a pending home loan of ₹6 lakh, which I plan to clear in the next three years. My goal is to build a retirement corpus of ₹6 crore by the age of 60.
Will this be sufficient to sustain my post-retirement lifestyle, and how should I plan my investments to achieve this goal?
—Name withheld on request
هذه القصة من طبعة March 14, 2025 من Mint Hyderabad.
اشترك في Magzter GOLD للوصول إلى آلاف القصص المتميزة المنسقة، وأكثر من 9000 مجلة وصحيفة.
هل أنت مشترك بالفعل؟ تسجيل الدخول
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