Retirement Planning: It's Never Too Early

Why start early?

Compounding works best with time. Starting in your 20s or 30s reduces the monthly investment required to reach the same corpus.

How much do you need?

Target 25–30× your annual expenses at retirement, adjusted for inflation. Example: If today's monthly spend is ₹50,000 (~₹6 lakh yearly), aim for ₹1.5–₹1.8 crore in today's value; inflate to your retirement year to get the future value.

Where to invest

• EPF/NPS as core retirement vehicles
• Equity index funds for long-term growth
• PPF for stability and tax efficiency

Asset allocation by horizon

• 20+ years: 70–80% equity
• 10–20 years: 60–70% equity
• Less than 10 years: Glide down to 30–40% equity

De-risking strategy

Move gains from equity to debt as you approach retirement. Create a 2–3 year expense bucket in liquid/short-term debt funds.