📝 Why Even ₹10 Crore Might Not Be Enough to Retire in India

Table of Contents

• 💭 The Big Myth

  • 1️⃣ Inflation Doesn’t Retire

  • 2️⃣ Lifestyle & Location Matter

  • 3️⃣ Smart Withdrawals Save You

  • 4️⃣ Healthcare Is the Real Risk

  • 5️⃣ FDs Alone Don’t Work Anymore

  • 6️⃣ Plan for 30-Year Retirements

  • 7️⃣ Spend Smart, Not Fast

  • 8️⃣ Get Expert Guidance

• 💡 Finogent Insight

💭 The Big Myth

For many, ₹10 crore feels like a dream target for retirement. Yet today’s realities — 6% inflation, rising healthcare costs, and longer life expectancy — mean that number might not stretch as far as you think.

1️⃣ Inflation Doesn’t Retire

At 6% inflation, your ₹2 lakh monthly expense doubles to ₹4 lakh in 12 years. The key: keep part of your portfolio in inflation-beating assets like equity or balanced funds.

2️⃣ Lifestyle & Location Matter

In metros like Mumbai, ₹3 lakh/month may not be enough; smaller cities like Coimbatore can need half. Where you live defines how long your corpus lasts.

3️⃣ Smart Withdrawals Save You

Follow the 4% rule — withdraw 4% of your corpus annually (₹3.3 lakh/month on ₹10 crore) and adjust for inflation. Anything higher risks depleting funds early.

4️⃣ Healthcare Is the Real Risk

Medical inflation (8–10%) eats savings faster than lifestyle inflation. Maintain strong health cover and a separate ₹25–30 lakh medical reserve.

5️⃣ FDs Alone Don’t Work Anymore

Fixed deposits barely beat inflation. Combine FDs with debt funds, REITs, and conservative hybrids for steady but inflation-linked returns.

6️⃣ Plan for 30-Year Retirements

Better healthcare means longer lives — plan for 25–30 years of expenses. Keep 20–25% equity exposure even post-retirement for growth.

7️⃣ Spend Smart, Not Fast

The first decade of retirement usually brings high spending. Break your budget into essentials, lifestyle, healthcare, and emergency buffers — and review yearly.

8️⃣ Get Expert Guidance

Tax rules, asset allocation, and estate planning need active management. A professional advisor ensures your ₹10 crore actually lasts 25+ years.

💡 Finogent Insight

Retirement isn’t about a number — it’s about a plan. Protect your lifestyle from inflation, balance your investments, and let your money work for decades.

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