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Planning for retirement is an issue with all. Idea is to have the same standard of living or better for that time of our lives when we may not earn our regular income. People want to invest in options with lowest risk possible. But when we go for risk-free investment options, we end up buying investment option with least returns. Fixed income Investment options Vs inflation If you are looking for savings with zero risk then you will ignore the biggest threat to our investments i.e. INFLATION. The current inflation rate of about 5-6 percent and with a typical fixed income option you will get a return of a little more than 7 percent. The inflation will eat up your return on the fixed income. Comparison of Equity based Mutual funds and Fixed Income schemes like FD

Equity Mutual Funds Investment per Month

Rs.10,000/-

Growth in10 Years

25 -26 lacs

Growth in 30 Years

4 to 5 Cr

Risk Involved People are afraid of the ups and downs in the stock market and they find it risky to invest in mutual funds. However, in reality if you invest in a good performing Mutual Fund, then these ups and downs do not matter over a period of 15-20 years.


How to save for retirement Ideal savings, if you are starting to save at the age of 30 and above, you need to save 30% of your income after taxes. If the savings starts at the age of 40 and above, you need to save 40% of your income after taxes. This much savings is required to have enough corpus for the Old Age. Generating returns even at 65 Actually, we have more time for our retirement savings to grow than we generally think. Retirement is not a onetime event but is a beginning of a time period when you are not earning any more. You might think you will retire at 65 and you will need all your savings that time. But you need your savings when you are 65, 75, 85 and 95 years old. You have 30-35 years MORE years to again grow youmoney five to six times, Maybe more.


Consider the fact that retirement period ranges from 10 years to 20 to even 30 years. Again we get an opportunity to use compounding effect of Mutual funds to grow your retirement fund further. When should we start planning Ideally you should start saving from your very first salary. Starting early has the following benefits 1. Power of compounding is maximized. 2. You learn to create financial discipline You can enjoy your current life without worrying about your retirement

Age at which you start your SIP If you start a sip of Rs.5,000/- when you are 25 If you start a sip of Rs.5,000/- when you are 30 If you start a sip of Rs.5,000/- when you are 35 *Following assumptions are made 1. You would retire at the age of 60 2. Mutual fund grows @ 12%CAGR

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Best Investment Options in India, High Return Investment in India  

10x wealth is a leading financial service provider in India We Provided Services like Retirement Planning, PMS Services, Financial Planning...

Best Investment Options in India, High Return Investment in India  

10x wealth is a leading financial service provider in India We Provided Services like Retirement Planning, PMS Services, Financial Planning...

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