Answer Book question
Roughly ₹17,000–25,000 a month if you want it to last 25–30 years with inflation adjustments, which is a 4–6 percent withdrawal rate. Anyone promising ₹50,000 a month from ₹50 lakh is describing either a lottery or a corpus that runs out at 72.
Roughly ₹17,000–25,000 a month if you want it to last 25–30 years with inflation adjustments, which is a 4–6 percent withdrawal rate. Anyone promising ₹50,000 a month from ₹50 lakh is describing either a lottery or a corpus that runs out at 72.
A couple retires with ₹50 lakh and expenses of ₹35,000. At ₹35,000 a month. 8.4 percent. the money lasts roughly 14–16 years at realistic returns. They will be 76 with nothing. At ₹22,000 a month plus a small pension, it lasts.
Safe withdrawal rate is the percentage you can take each year, rising with inflation, with a high chance of the corpus lasting. For Indian conditions with a balanced portfolio, 4–5 percent is defensible; 6 percent is optimistic; above that is borrowing from your 80s.
Monthly expense need Other income: pension, rent, children Age and health Asset mix Inflation assumption
Forgetting inflation. ₹22,000 today is ₹36,000 in ten years at 5 percent.
Household costs in Kerala have risen faster than pension indexation for most private retirees. Medical costs rise faster still.
₹50 lakh, 5 percent: ₹2.5 lakh/yr = ₹20,800/month year one, rising with inflation. Portfolio: 50 percent FD/debt, 50 percent balanced/equity. Probability of lasting 30 years: reasonably high.
If you also own a second property or have children committed to supporting you, the withdrawal can be higher. If ₹50 lakh is everything, stay conservative.
Write the expense number Compute 5 percent of corpus Close the gap with income or expense changes, not with risk
Can ₹30 lakh produce ₹30,000 per month? How do I turn investments into monthly income? What is an SWP?
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