A monthly retirement income of Rs 50,000 might seem modest, yet the capital required to sustain it can fluctuate by more than Rs 1 crore depending on your post-retirement investment strategy.
Generating Rs 6 lakh annually in retirement is not simply a function of building a large corpus, according to a report by OmniScience Capital called “The Science of Retirement Planning: Navigating Hidden Risks in a Long Retirement”. The investment structure — whether fixed deposits, annuities or market-linked withdrawals — shapes how long savings last and how well retirees cope with inflation and rising life expectancy, it said.