Can I retire at 51 with 1.72 Cr in MF, 1.3 Cr in Equity, and monthly expenses of 1.2L?

Ans: You have a strong financial foundation with Rs. 1.72 crore in mutual funds, Rs. 1.3 crore in equity, and Rs. 6 lakh in NPS.

Your fixed deposits total Rs. 30 lakh, providing liquidity for short-term needs.

You own a plot worth Rs. 60 lakh, which is an illiquid asset unless sold.

Your current monthly income is Rs. 2 lakh, and you have no loans.

Your monthly expenses are Rs. 1.2 lakh, with two children in 10th and 8th grade.

Key Challenges in Early Retirement
At age 52, you still have 35+ years of life expectancy. Your corpus must last that long.

Your children will need financial support for higher education in the next 5-10 years.

Inflation will increase your expenses every year, reducing the value of your savings.

You want a passive income of Rs. 50,000 per month. Your investments must generate this safely.

Medical costs will rise as you age. Adequate health insurance and emergency funds are necessary.

Education Expenses and Future Planning
Your children’s higher education could cost Rs. 50 lakh or more over the next decade.

If they pursue international education, costs will be higher.

You need a dedicated education fund separate from your retirement corpus.

Your plot can be considered for selling if additional funds are needed.

Planning early will ensure you do not need to dip into retirement savings.

Corpus Assessment for Rs. 50,000 Monthly Income
To generate Rs. 50,000 per month (Rs. 6 lakh per year), your corpus must be well-diversified.

Fixed deposits alone will not sustain withdrawals over 30+ years due to low interest rates.

A combination of debt, equity, and systematic withdrawals will be required.

Mutual funds and stocks should continue to be a major part of your investments.

Safe withdrawal strategies can help avoid running out of funds too soon.

Inflation Impact on Future Expenses
Your current expenses of Rs. 1.2 lakh per month will rise with inflation.

In 10 years, they may double, requiring Rs. 2.4 lakh per month.

Your corpus must grow to keep up with rising costs.

Investing only in fixed-income options will erode your wealth over time.

A balanced portfolio with growth assets will be crucial.

Medical Coverage and Emergency Fund
You need at least Rs. 20-30 lakh set aside for medical emergencies.

Health insurance coverage should be Rs. 50 lakh or more for your family.

Critical illness insurance can provide additional security.

A dedicated emergency fund of Rs. 15-20 lakh should be kept in liquid form.

Investment Strategy for Early Retirement
Your equity and mutual fund portfolio must be structured for long-term growth.

A mix of large-cap, mid-cap, and hybrid funds will ensure stability and returns.

Systematic Withdrawal Plans (SWPs) can generate monthly income while keeping the principal intact.

Fixed-income instruments like SCSS and debt funds can provide stability.

Avoid over-dependence on fixed deposits as they lose value over time.

Should You Sell the Plot?
Your plot is worth Rs. 60 lakh but does not generate income.

If you don’t plan to use it, selling can free up funds for investment.

The proceeds can be reinvested in income-generating assets.

Keeping it for too long may lead to capital being locked up with no returns.

Final Insights
Retiring at 52 with Rs. 50,000 monthly income is possible with careful planning.
You must secure your children’s education funds separately.
Your retirement corpus should be managed to outpace inflation.
Medical and emergency funds should be prioritized before retirement.
Selling your plot can improve liquidity and ensure financial security.
A Certified Financial Planner can help structure your portfolio for sustainable income.
Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

Ans: Hello;

Just summarizing your assets available for generating retirement income:

1. Domestic FD: 2 Cr
2. Gold(3 Kg) valued at~:2.64 Cr
3. Jewellery valued at~:2 Cr
4. Flat1: 3 Cr
5. Flat2: 1.5 Cr
6. Land: 1.5 Cr
7. Overseas House: 6 Cr
8. Overseas FD: 12 Cr
9. Self occupied property: 18 Cr
10. Stock & AIF: 1.8 Cr
Total: 50.44 Cr
(Gold price considered: 88 K per 10 gm)
However we can subtract assets at serial no. 3, 7 and 9 from this and we get a corpus of 24.44 Cr. The 44 L may be kept aside for transaction costs, taxes etc.

It is advisable that you sell the flats in India offering low rental yield and also physical gold and the land property.

Now the corpus of 24 Cr may be split into two parts:
20 Cr may be invested in MFs for SWP at 5% yielding post tax income of around 7.3 L per month.

4 Cr may be used to buy immediate annuity from a life insurance company. Assuming 6% annuity rate you may expect a post tax monthly income of 1.4 L.

So your post tax monthly income may be:
7.3+1.4+2*=10.7 L as desired.
*Rental from overseas House

Since the kid's higher education is not finding place here I suggest you work for few more years, while putting this retirement income plan in place, for funding their higher education.

Best wishes;
X: @mars_invest