Retirement planning is often framed as a single number problem — accumulate a target corpus and the rest will follow. In reality, the outcome is path-dependent. Over a 30–40 year horizon, inflation compounds silently, longevity extends uncertainty, and market volatility reshapes the sustainability of withdrawals.
How long a corpus could last depends on how income is structured, how risk is absorbed, and how capital interacts with time. This analysis moves beyond headline returns to examine how different withdrawal designs and asset allocations respond under prolonged stress.
What you can expect from this report:
- A structured comparison of retirement income outcomes across FDs, annuities, SWPs, and an equity-biased strategy under identical assumptions of inflation, longevity, and market stress.
- Scenario analysis showing how a ₹1 crore corpus behaves over a 40-year horizon, including payout sustainability at ages 70, 80, 90, and 100.
- Identification of breakeven corpus levels required to maintain lifestyle without prematurely exhausting capital.
- A stress test under severe sequence-of-returns conditions to evaluate resilience during early market downturns.
- Clear insights into trade-offs between predictability, growth, inflation protection, sequencing risk, and longevity risk — enabling informed portfolio structuring rather than product selection.