🏖️ Retirement Planning in India – The Complete Guide (2025)
Retirement is not an age — it’s a financial freedom milestone. Whether you're 30 or 50, the sooner you plan, the better your future. This guide by Niveshnama helps you calculate how much you need, how to save, and how to grow your wealth securely for your golden years.
💡 Goal: Build a retirement corpus that ensures a peaceful, independent, inflation-proof life after 60.
📊 How Much Retirement Corpus Do You Need?
It depends on your lifestyle, expenses, medical needs, and inflation. Use this simple formula:
- 🧮 Annual Expense × 25 = Ideal Retirement Corpus
- Example: ₹6L yearly expense × 25 = ₹1.5 Crore corpus
🧮 Calculate Your Retirement Corpus
🧮 Use Our Retirement Calculator
Project your retirement needs in 5 minutes:
🛠️ Building the Retirement Plan
- ✅ Start SIPs in Diversified Equity Mutual Funds
- ✅ Add NPS and PPF for tax-advantaged corpus
- ✅ Ensure you have Health + Term Insurance
- ✅ Review & rebalance every year after 45
🤝 How Niveshnama Helps You Retire Rich
- 📈 Customized SIP planning to reach corpus goal
- 🧾 Insurance + Tax integration in the same plan
- 🧠 Portfolio tracker & regular rebalancing
- 📞 One-click access to certified financial experts
📞 Plan My Retirement Now
❓ FAQs
Q. Is ₹1 Cr enough for retirement?
Depends on age, family size, and lifestyle. Use calculator to check.
Q. Should I invest in annuity or mutual funds?
A mix of SWP-based funds and annuities works best.
Q. What if I start late?
Better late than never — invest aggressively, reduce liabilities.
📬 Contact Niveshnama
Niveshnama is an AMFI & IRDA certified financial services platform dedicated to helping you achieve your retirement and wealth goals.