मैगज़्टर गोल्ड के साथ असीमित हो जाओ

9,500 से अधिक पत्रिकाओं, समाचार पत्रों और प्रीमियम कहानियों तक असीमित पहुंच प्राप्त करें सिर्फ

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Is ₹6 crore enough to retire? How to plan for a secure future

Mint Chennai

March 14, 2025

I am 38 years old, earning ₹1.80 lakh per month, with monthly expenses of ₹1 lakh.

- Nehal Mota

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

यह कहानी Mint Chennai के March 14, 2025 संस्करण से ली गई है।

हजारों चुनिंदा प्रीमियम कहानियों और 9,500 से अधिक पत्रिकाओं और समाचार पत्रों तक पहुंचने के लिए मैगज़्टर गोल्ड की सदस्यता लें।

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