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Retirement Financial Forecast

The document outlines a retirement plan for an individual who is currently 48 years old and plans to retire at 50. It provides details of their current savings of ₹15 million, expected monthly expenses in retirement of ₹58,320, and projected returns and corpus through annual investments until age 90. A table shows the expected corpus, monthly investments, annual returns, and withdrawals from age 48 until life expectancy of 90 to determine if the current savings will last through retirement.

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71 views3 pages

Retirement Financial Forecast

The document outlines a retirement plan for an individual who is currently 48 years old and plans to retire at 50. It provides details of their current savings of ₹15 million, expected monthly expenses in retirement of ₹58,320, and projected returns and corpus through annual investments until age 90. A table shows the expected corpus, monthly investments, annual returns, and withdrawals from age 48 until life expectancy of 90 to determine if the current savings will last through retirement.

Uploaded by

praphullshare
Copyright
© © All Rights Reserved
We take content rights seriously. If you suspect this is your content, claim it here.
Available Formats
Download as PDF, TXT or read online on Scribd
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YOUR CURRENT AGE 48

WHEN YOU WANT TO


50
RETIRE
EXPECT TO LIVE
90
UNTIL

CURRENT SAVINGS 1 cr reserved for


₹15,000,000
TILL DATE house
CURRENT MONTHLY
SAVING
₹80,000
INCREASE IN SAVINGS
(ANNUALLY)
10.0%

RETURN ON
INVESTMENT Pre 12.0%
Retirement (PRE-TAX)
CAPITAL GAIN TAX 10.0%
RETURN ON
INVESTMENT Post 8.0%
Retirement (PRE-TAX)

CURRENT MONTHLY
₹50,000
EXPENSES
HOUSEHOLD
INFLATION RATE
8.0%
POST RETIREMENT
YOUR MONTHLY ₹58,320
EXPENSES WOULD BE

Corpus At Monthly Corpus at End of Amount Withdrawn Post


Age Beginning Investments the Year Capital Gain Tax
48 ₹15,000,000 ₹80,000 ₹17,916,976 ₹0
49 ₹17,916,976 ₹88,000 ₹21,305,357 ₹0
50 ₹21,305,357 ₹0 ₹23,073,691 ₹58,320
51 ₹22,296,091 ₹0 ₹24,146,656 ₹62,986
52 ₹23,306,848 ₹0 ₹25,241,304 ₹68,024
53 ₹24,334,312 ₹0 ₹26,354,048 ₹73,466
54 ₹25,374,496 ₹0 ₹27,480,566 ₹79,344
55 ₹26,422,650 ₹0 ₹28,615,717 ₹85,691
56 ₹27,473,167 ₹0 ₹29,753,427 ₹92,547
57 ₹28,519,473 ₹0 ₹30,886,576 ₹99,950
58 ₹29,553,906 ₹0 ₹32,006,865 ₹107,946
59 ₹30,567,582 ₹0 ₹33,104,676 ₹116,582
60 ₹31,550,250 ₹0 ₹34,168,906 ₹125,909
61 ₹32,490,126 ₹0 ₹35,186,790 ₹135,981
62 ₹33,373,707 ₹0 ₹36,143,709 ₹146,860
63 ₹34,185,580 ₹0 ₹37,022,966 ₹158,608
64 ₹34,908,186 ₹0 ₹37,805,549 ₹171,297
65 ₹35,521,587 ₹0 ₹38,469,861 ₹185,001
66 ₹36,003,182 ₹0 ₹38,991,429 ₹199,801
67 ₹36,327,416 ₹0 ₹39,342,573 ₹215,785
68 ₹36,465,439 ₹0 ₹39,492,053 ₹233,048
69 ₹36,384,748 ₹0 ₹39,404,664 ₹251,692
70 ₹36,048,775 ₹0 ₹39,040,806 ₹271,827
71 ₹35,416,445 ₹0 ₹38,355,993 ₹293,573
72 ₹34,441,684 ₹0 ₹37,300,327 ₹317,059
73 ₹33,072,873 ₹0 ₹35,817,905 ₹342,424
74 ₹31,252,255 ₹0 ₹33,846,176 ₹369,818
75 ₹28,915,274 ₹0 ₹31,315,228 ₹399,403
76 ₹25,989,853 ₹0 ₹28,146,998 ₹431,355
77 ₹22,395,594 ₹0 ₹24,254,417 ₹465,864
78 ₹18,042,901 ₹0 ₹19,540,453 ₹503,133
79 ₹12,832,015 ₹0 ₹13,897,066 ₹543,383
80 ₹6,651,953 ₹0 ₹7,204,062 ₹586,854
81 (₹620,660) ₹0 (₹672,175) ₹633,802 Corpus Outlived
82 (₹9,122,875) ₹0 (₹9,880,069) ₹684,507 Corpus Outlived
83 (₹19,006,825) ₹0 (₹20,584,382) ₹739,267 Corpus Outlived
84 (₹30,441,278) ₹0 (₹32,967,889) ₹798,409 Corpus Outlived
85 (₹43,613,337) ₹0 (₹47,233,222) ₹862,281 Corpus Outlived
86 (₹58,730,306) ₹0 (₹63,604,892) ₹931,264 Corpus Outlived
87 (₹76,021,743) ₹0 (₹82,331,510) ₹1,005,765 Corpus Outlived
88 (₹95,741,708) ₹0 (₹103,688,223) ₹1,086,226 Corpus Outlived
89 (₹118,171,237) ₹0 (₹127,979,392) ₹1,173,124 Corpus Outlived
90 (₹143,621,047) ₹0 (₹155,541,523) ₹1,266,974 Corpus Outlived

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