I have retired – How do I invest my money wisely ?

Congratulations on retiring. We hope you are looking forward to an exciting second innings in life

There are two primary things one needs to keep in mind while investing one’s retirement corpus:

1.) SAFETY of Capital and generating a regular monthly income

2.) GROWTH of Capital to beat inflation / meet unexpected expenses

Safety of your investments is paramount because you cannot afford to lose your investments to volatility or be locked in.

Your capital also needs to grow to beat inflation and taxes.

For example, if your current expenses are Rs 1 lakh per month, you will need an increasing amount of money every month year-on-year.

In year one, to generate a post tax monthly income of Rs 1 lakh, you will need to have a pre tax income of Rs 1.42 lakhs or Rs 17 lakhs per annum.

Your investment corpus needs to grow every year also, to generate 17 lakhs in year 1, 18.5 lakhs in year2 and so on.

# Income Required Inflation Pre Tax Tax Rate Monthly Pension
1  1,714,286 0%  142,857 30%  100,000
2  1,851,429 8%  154,286 30%  108,000
3  1,999,543 8%  166,629 30%  116,640
4  2,159,506 8%  179,959 30%  125,971
5  2,332,267 8%  194,356 30%  136,049
6  2,518,848 8%  209,904 30%  146,933
7  2,720,356 8%  226,696 30%  158,687
8  2,937,984 8%  244,832 30%  171,382
9  3,173,023 8%  264,419 30%  185,093
10  3,426,865 8%  285,572 30%  199,900

Talk to us to discuss options regarding investment options suitable for you. 


Not sure or still have questions? Call us at +91 96500 65242 


Tagged with →