Is ₹5 Crore Really Enough to Retire in India?

Описание: #retirementplanning #retirement #personalfinance

Is ₹5 crore enough for your retirement?

For some, it sounds like lifelong security. For others, it feels dangerously short. The truth lies not in the number, but in how you use it.

In this episode of Investors’ Hangout, we break down the real retirement math behind a ₹5 crore corpus. You’ll understand why retirement planning can’t be reduced to a single “magic number” and why income needs, inflation, withdrawal discipline, and unexpected risks matter far more.
The discussion covers:
Why the same ₹5 crore can be more than enough for one person and insufficient for another
How lifestyle choices, housing, health, and additional income sources change everything
What a ₹5 crore corpus can realistically generate as annual and monthly income
Why inflation quietly erodes retirement comfort over time
How to think about safe withdrawal rates so your capital lasts
The two biggest risks retirees underestimate: healthcare shocks and panic during market crashes

Timestamps:
00:00 Introduction
00:52 Is ₹5 crore enough to retire today?
03:04 Is relying on a fixed number, such as ₹5 crore, risky for retirement planning?
04:25 How does ₹5 crore really stack up after retirement if someone needs ₹1.25 lakh per month today?
06:15 What withdrawal rate is sustainable enough to last through retirement?
07:47 What is the most underestimated risk while planning for retirement?
09:02 Is ₹5 crore enough in today’s scenario?
09:38 Closing
09:51 Key takeaways
₹5 Crore Is Not a Magic Number: Its adequacy depends on income needs, timing of retirement, and how the corpus is invested.
Inflation Redefines Retirement Reality: Future expenses rise steadily, making purchasing power—not today’s lifestyle—the true planning anchor.
Returns and Withdrawals Must Work Together: Sustainable retirement requires earning more than what is withdrawn, with discipline on both sides.
Healthcare is the Biggest Blind Spot: Unplanned medical expenses can disrupt even well-funded retirement plans.
Behavioural Discipline Protects Long-Term Capital: Avoid panic during market downturns—emotional exits can cause permanent financial damage.

📚 HELPFUL RESOURCES FROM VALUE RESEARCH:
🧮 Retirement corpus for ₹1 lakh/month: practical assumptions + inflation impact[https://www.valueresearchonline.com/s...]

💸 SWP planning for stable monthly income: withdrawal rate + tax basics[https://www.valueresearchonline.com/l...]

🛡️ Health insurance playbook: protecting your retirement corpus from medical shocks[https://www.valueresearchonline.com/l...]

This episode doesn’t sell shortcuts or formulas.
It helps you align money with real life—expenses, risks, discipline, and buffers—so retirement planning doesn’t collapse when markets or health don’t cooperate.

💬 Question for you:
What monthly expense (in today’s rupees) are you planning for after retirement?

💬 What monthly expense (today’s rupees) are you planning for in retirement?
👍 Subscribe for practical, numbers-first investing and planning.

⚠️ DISCLAIMER: This is educational content only, not financial advice. Investments are subject to market risks. Consult a certified financial advisor before making decisions. Past performance ≠ future results.

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#personalfinance , #investing #retirementplanning , #RetirementCorpus, #financialplanning #SafeWithdrawalRate, #InflationPlanning