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Naveenn Kummar234 Answers |Ask - Follow
Financial Planner, MF, Insurance Expert - Answered on Sep 04, 2025
Asked on - Aug 02, 2025
Hello experts, I am 50 years old and my current monthly expenses are about 1 lakh. My assets include 1 crore in Provident Fund (PF), 1.7 crore in mutual funds and stocks, 10 lakh in PPF, 30 lakh in RSUs, 10 lakh in fixed deposits, and 30 lakh in NPS. I also receive 10,000 per month as rental income. I don't have any debt. I am loan free. I wish to retire now and estimate my life expectancy to be 85 years. Considering inflation-adjusted expenses and conservative returns on my investments, is it financially feasible for me to retire at this stage?
Ans: Retirement Feasibility Analysis
Thank you for sharing your details clearly. Let’s look at your situation:
Age: 50 years, planning retirement.
Monthly expenses: ?1,00,000 (?12 lakh annually).
Assets: ~?3.5 crore across PF, Mutual Funds/Stocks, PPF, RSUs, FD, NPS.
Other income: Rental ?10,000/month (?1.2 lakh/year).
Debt: Nil.
Life expectancy assumed: 85 years (35-year retirement horizon).
Assessment:
With 6% inflation and 8% conservative returns, your effective real return is ~2%.
To sustain inflation-adjusted ?1 lakh/month for 35 years, you would need ~?4.5–5 crore corpus today.
You currently have ~?3.5 crore, which is slightly short for a safe retirement if expenses remain unchanged.
Critical Points to Consider:
Family & Dependents – You have not mentioned spouse/children details. Their financial needs (education, marriage, medical, lifestyle) must be included in retirement planning.
Protection Gap – No mention of Term Insurance, Health Insurance, or Critical Illness cover. Once you retire, getting these policies is expensive or nearly impossible. Secure adequate protection before quitting work.
Medical Costs – Healthcare inflation is much higher (~10–12% annually). Without proper cover, it can eat into retirement corpus.
Structured Withdrawals – Use SWPs from mutual funds for predictable monthly cash flow, and keep part of corpus in safer debt instruments.
Professional Guidance – Work with a QPFP (Qualified Personal Finance Professional) for yearly reviews, detailed projections, and disciplined execution. Retirement is a long-term journey where compounding, discipline, and regular reviews are key.
Conclusion: While you are loan-free and financially strong, retiring immediately with current corpus may be tight. Strengthen insurance protection, plan for family needs, and either extend work for 3–5 years or reduce lifestyle expenses to make retirement sustainable.
Best regards,
Naveenn Kummar, BE, MBA, QPFP
Chief Financial Planner | AMFI Registered MFD
???? www.alenova.in
https://www.instagram.com/alenova_wealth
(more)
Thank you for sharing your details clearly. Let’s look at your situation:
Age: 50 years, planning retirement.
Monthly expenses: ?1,00,000 (?12 lakh annually).
Assets: ~?3.5 crore across PF, Mutual Funds/Stocks, PPF, RSUs, FD, NPS.
Other income: Rental ?10,000/month (?1.2 lakh/year).
Debt: Nil.
Life expectancy assumed: 85 years (35-year retirement horizon).
Assessment:
With 6% inflation and 8% conservative returns, your effective real return is ~2%.
To sustain inflation-adjusted ?1 lakh/month for 35 years, you would need ~?4.5–5 crore corpus today.
You currently have ~?3.5 crore, which is slightly short for a safe retirement if expenses remain unchanged.
Critical Points to Consider:
Family & Dependents – You have not mentioned spouse/children details. Their financial needs (education, marriage, medical, lifestyle) must be included in retirement planning.
Protection Gap – No mention of Term Insurance, Health Insurance, or Critical Illness cover. Once you retire, getting these policies is expensive or nearly impossible. Secure adequate protection before quitting work.
Medical Costs – Healthcare inflation is much higher (~10–12% annually). Without proper cover, it can eat into retirement corpus.
Structured Withdrawals – Use SWPs from mutual funds for predictable monthly cash flow, and keep part of corpus in safer debt instruments.
Professional Guidance – Work with a QPFP (Qualified Personal Finance Professional) for yearly reviews, detailed projections, and disciplined execution. Retirement is a long-term journey where compounding, discipline, and regular reviews are key.
Conclusion: While you are loan-free and financially strong, retiring immediately with current corpus may be tight. Strengthen insurance protection, plan for family needs, and either extend work for 3–5 years or reduce lifestyle expenses to make retirement sustainable.
Best regards,
Naveenn Kummar, BE, MBA, QPFP
Chief Financial Planner | AMFI Registered MFD
???? www.alenova.in
https://www.instagram.com/alenova_wealth