I have retired 5 years back, I have around 2.5 crores rupees in the form of MF ,FD,Equities, SSCS etc.My age is 65 years with good health,and no liabilities. Will this much of amount lasts for another 15-30 years, my monthly expenditure is approx 75 thousand rupees. Thanks

Ans: If you invest your corpus of 1.07 Cr(equity MF+PF) in conservative hybrid debt fund, then your corpus may grow to around~1.3 Cr in 2 years(by the time you are 46 and want to retire).

Then you can start an SWP @ say 5% per year which will translate into monthly payout of around 55K.

The aspect of inflation is not factored into this working since their is no scope with the current situation. Ofcourse you can increase the SWP rate but in case of adverse market situations you may eat into(deplete) your corpus.

However if you plan to work for 5-7 years more and build a corpus 2.6 Cr+ then the SWP payout at 5% will be able meet your inflation indexed expenses.

Also factor in need for adequate healthcare cover for you and your family as you grow older.

Inflation considered at 6%, return from conservative debt hybrid funds assumed at 10%.

*Investments in mutual funds are subject to market risks. Please read all scheme related documents carefully before investing

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Ans: With your financial portfolio, it seems like you've made significant strides towards financial security. However, determining whether you can comfortably retire depends on various factors such as your desired lifestyle in retirement, anticipated expenses, and expected returns on your investments.

Here are some steps to assess your retirement readiness:

Evaluate Retirement Expenses: Estimate your retirement expenses, including living costs, healthcare, leisure activities, and any other anticipated expenditures. Ensure to account for inflation to maintain your purchasing power over time.
Assess Retirement Income: Calculate your expected retirement income from sources like EPFO, PPF, mutual funds, stocks, FD interest, and NPS. Consider the reliability of these income streams and potential fluctuations in returns.
Conduct Retirement Projection: Use a retirement calculator or seek assistance from a financial planner to project whether your retirement savings can cover your estimated expenses throughout your retirement years. Factor in your current age, life expectancy, inflation, investment returns, and any unexpected expenses.
Review and Adjust: Regularly review your retirement plan and make adjustments as needed based on changes in your financial situation, goals, and market conditions. Consider rebalancing your investment portfolio to manage risk and optimize returns.
Based on the information provided, it seems like you've accumulated a substantial retirement corpus. However, the adequacy of your savings depends on various individual factors, and it's crucial to assess your specific circumstances comprehensively.

Consider consulting with a Certified Financial Planner who can conduct a detailed analysis of your retirement readiness, provide personalized recommendations, and help you navigate your transition into retirement with confidence and peace of mind.