Equity Investment
Management

The earlier, the better! Ideally start in your 20s or 30s. Starting early gives you the power of compounding and reduces monthly savings burden. Even if you're in your 40s or 50s, it's never too late to start.

A general rule is 25-30 times your annual expenses. For example, if you spend ₹50,000/month (₹6 lakh/year), you need ₹1.5-1.8 crore. Consider inflation, healthcare costs, and lifestyle needs.

1) EPF/PPF for guaranteed returns, 2) NPS for tax benefits, 3) Equity mutual funds for growth, 4) Pension plans for regular income, 5) Real estate for rental income. Diversify based on age and risk appetite.

Formula: Current monthly expenses × 12 × 30 × Inflation factor. Then calculate how much to save monthly using expected return rate and years to retirement. Our calculator does this automatically.

This rule suggests withdrawing 4% of your retirement corpus annually to ensure funds last 30 years. For example, ₹1 crore corpus allows ₹4 lakh withdrawal per year.

Yes, NPS is excellent for retirement with: 1) Additional ₹50,000 tax benefit, 2) Market-linked returns (8-12%), 3) Low cost, 4) Guaranteed monthly pension. Ideal for salaried employees.