Forget the daunting ₹15 crore retirement myth. For a couple retiring in their early 50s with ₹1 lakh monthly expenses, a ₹4-5 crore corpus can suffice. This involves a smart split: bonds for income, index funds for growth, and emergency funds. High-cost cities or premium lifestyles may necessitate ₹8-10 crore. The focus should be on generating monthly income, not just a large number.
The article debunks the ₹15 crore retirement myth, suggesting a ₹4-5 crore corpus can suffice for a couple with ₹1 lakh monthly expenses. This strategy involves using bonds for predictable income, index funds for growth, and emergency funds. For high-cost lifestyles, a ₹8-10…
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