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Reading: SIP, One-time Funding for Retirement Planning: Need to get Rs 80,000/month at retirement? Know what needs to be your month-to-month SIP and lump sum investments
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StockWaves > Business > SIP, One-time Funding for Retirement Planning: Need to get Rs 80,000/month at retirement? Know what needs to be your month-to-month SIP and lump sum investments
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SIP, One-time Funding for Retirement Planning: Need to get Rs 80,000/month at retirement? Know what needs to be your month-to-month SIP and lump sum investments

StockWaves By StockWaves Last updated: March 14, 2025 10 Min Read
SIP, One-time Funding for Retirement Planning: Need to get Rs 80,000/month at retirement? Know what needs to be your month-to-month SIP and lump sum investments
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Contents
know retirement corpus quantityInflation and charge of return for retirement corpusPre- and post-retirement returnsTax is essential consider retirement corpus constructingCalculation situations for storyRetirement corpus required to get Rs 80,000/month for 25-year-old Month-to-month SIP quantity required to get Rs 80,000/month for 25-year-oldLump sum quantity required to get Rs 80,000/month for 25-year-oldRetirement corpus required to get Rs 80,000/month for 30-year-old Month-to-month SIP quantity required to get Rs 80,000/month for 30-year-oldLump sum quantity required to get Rs 80,000/month for 30-year-oldRetirement corpus required to get Rs 80,000/month for 35-year-old Month-to-month SIP quantity required to get Rs 80,000/month for 35-year-oldLump sum quantity required to get Rs 80,000/month for 35-year-oldRetirement corpus required to get Rs 80,000/month for 40-year-old Month-to-month SIP quantity required to get Rs 80,000/month for 40-year-oldLump sum quantity required to get Rs 80,000/month for 40-year-old

SIP, One-time Funding for Retirement Planning: While you develop outdated or once you need to retire, your bills will not cease.

You’ll nonetheless be needing an quantity on your each day bills.

Since we won’t predict how lengthy we’ll stay, we do not know for the way lengthy it’s possible you’ll require that quantity.

However at that stage, there are probabilities that you could be not have a daily supply of revenue.

Returns from investments could remedy your drawback in that case.

It might present you lifelong passive revenue which will make your retirement life easy.

Publish retirement, even if you wish to keep the identical life-style as you’ve right now, you must know the quantity that you could be want within the type of a retirement corpus.

On this write-up, know what quantity it’s possible you’ll want at retirement and what will be your month-to-month and one-time investments to get Rs 80,000 month-to-month revenue at retirement in case your age is 25, 30, 35, or 40 years.

know retirement corpus quantity

It should rely on 3 components—your present age, the age once you need to retire, and the variety of years you need this quantity for.

Based mostly on 3 components, you may calculate the inflation-adjusted corpus required within the first yr of your retirement.

Taking that because the yearly cost, you calculate the retirement corpus required for the remainder of the years.

Inflation and charge of return for retirement corpus

While you make an funding, it grows over time, however on the similar time, inflation additionally jumps.

A factor that prices Rs 100 will value way more at your retirement; it’s good to contemplate inflation as an element if you end up calculating your retirement corpus.

As a substitute of taking the speed of return, it’s good to calculate the corpus required on the premise of the true charge of return, the place inflation will even be adjusted to the post-retirement funding returns.

Pre- and post-retirement returns

Pre-retirement funding returns needs to be sufficient to satisfy your retirement corpus goal.

Alternatively, you will be conservative in your investments submit retirement since at that stage, you may’t take a lot threat along with your corpus.

Tax is essential consider retirement corpus constructing

Taxation guidelines preserve altering on a regular basis.

On the similar time, rates of interest of mounted asset investments additionally change.

So, if you end up constructing a retirement corpus, it needs to be met after paying all taxes.

Calculation situations for story

We’ll calculate the retirement corpus, month-to-month SIP, and one-time (lump sum) quantity we have to get a Rs 80,000 month-to-month payout from the age of 60 until the anticipated life if our present age is 25, 30, 35, or 40 years.

Listed below are the comnditions for our calculations-

Retirement age- 60 years

Anticipated life- 80 years

Present month-to-month expenditure- Rs 80,000

Inflation rate- 6 per cent

Present retirement corpus- 0

Pre-retirement post-tax return- 12 per cent

Publish-retirement post-tax return- 6 per cent

Retirement corpus required to get Rs 80,000/month for 25-year-old 

Rs 14,75,72,880

Month-to-month SIP quantity required to get Rs 80,000/month for 25-year-old

Rs 22,720

Lump sum quantity required to get Rs 80,000/month for 25-year-old

Rs 27,94,962

Retirement corpus required to get Rs 80,000/month for 30-year-old 

Rs 11,02,74,960

Month-to-month SIP quantity required to get Rs 80,000/month for 30-year-old

Rs 31,240

Lump sum quantity required to get Rs 80,000/month for 30-year-old

Rs 36,80,750

Retirement corpus required to get Rs 80,000/month for 35-year-old 

Rs 8,24,04,000

Month-to-month SIP quantity required to get Rs 80,000/month for 35-year-old

Rs 43,425

Lump sum quantity required to get Rs 80,000/month for 35-year-old

Rs 48,47,276

Retirement corpus required to get Rs 80,000/month for 40-year-old 

Rs 6,15,77,040

Month-to-month SIP quantity required to get Rs 80,000/month for 40-year-old

Rs 61,630

Lump sum quantity required to get Rs 80,000/month for 40-year-old

Rs 63,83,493

(Disclaimer: This isn’t funding recommendation. Do your personal due diligence or seek the advice of an professional for monetary planning.)



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