Age

Current Age 25 25
Retirement Age 60 26
Life Expectancy 80 27
28
Income (Rs.) at the age of 25 1,200,000 29
Increase in Inflation and Yearly Income 6% 30
Annual Savings 500,000 31
Increase in Annual Savings 5% 32
33
34
Retirement corpus required 80,000,000 35
Amount for Investment = 30% of salary 36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
 Amount for
Salary Savings
Investment
1,200,000.00 500,000.00 360,000.00
1,272,000.00 525,000.00 381,600.00
1,348,320.00 551,250.00 404,496.00
1,429,219.20 578,812.50 428,765.76
1,514,972.35 607,753.13 454,491.71
1,605,870.69 638,140.78 481,761.21
1,702,222.93 670,047.82 510,666.88
1,804,356.31 703,550.21 541,306.89
1,912,617.69 738,727.72 573,785.31
2,027,374.75 775,664.11 608,212.43
2,149,017.24 814,447.31 644,705.17
2,277,958.27 855,169.68 683,387.48
2,414,635.77 897,928.16 724,390.73
2,559,513.91 942,824.57 767,854.17
2,713,084.75 989,965.80 813,925.42
2,875,869.83 1,039,464.09 862,760.95
3,048,422.02 1,091,437.29 914,526.61
3,231,327.34 1,146,009.16 969,398.20
3,425,206.98 1,203,309.62 1,027,562.10
3,630,719.40 1,263,475.10 1,089,215.82
3,848,562.57 1,326,648.85 1,154,568.77
4,079,476.32 1,392,981.30 1,223,842.90
4,324,244.90 1,462,630.36 1,297,273.47
4,583,699.59 1,535,761.88 1,375,109.88
4,858,721.57 1,612,549.97 1,457,616.47
5,150,244.86 1,693,177.47 1,545,073.46
5,459,259.56 1,777,836.34 1,637,777.87
5,786,815.13 1,866,728.16 1,736,044.54
6,134,024.04 1,960,064.57 1,840,207.21
6,502,065.48 2,058,067.80 1,950,619.64
6,892,189.41 2,160,971.19 2,067,656.82
7,305,720.77 2,269,019.75 2,191,716.23
7,744,064.02 2,382,470.73 2,323,219.21
8,208,707.86 2,501,594.27 2,462,612.36
8,701,230.33 2,626,673.98 2,610,369.10
 Amount available for investment from 25-44 years of age 13,242,812.83
Amount available for investment from 45-50 years of age 8,053,484.94
Amount available for investment from 51-55 years of age 9,232,306.08
Amount available for investment from 56-59 years of age 9,587,916.89

Age Investment No. of Years Amount Return % Return (Rs)

25-44 Large Cap Fund (Equity) 10 5,000,000 11.02% 3
Mid Cap Fund (Equity) 5 3,000,000 8.31% 1
ELSS (Equity) 5 1,500,000 14.53% 2
Fixed Maturity plans (Debt) 5 2,000,000 10% 2
Long Duration Funds (Debt) 10 1,000,000 8.69% 2
ETFs 3 240,000 31.95% 2
Gold futures 10 500,000 18% 5

45-50 Invesco India Mid cap Fund (Equity) 10 3,000,000 13.34% 3

SBI Focussed Equity Fund (Equity) 5 1,800,000 9.58% 2
HDFC Corporate Bond Fund (Debt) 5 800,000 8.96% 2
L&T Triple Ace Bond Fund 10 2,000,000 8.07% 2
Motilal Oswal Nasdaq 100ETF (Others) 5 450,000 24.09% 3

51-55 DSP Small Cap Fund (Equity) 10 2,500,000 13.11% 3

Kotak Emerging Equity (Equity) 5 2,000,000 8.57% 2
Kotak Credit Risk Fund (Debt) 3 400,000 6.64% 1
Aditya Birla Sun Life Short term fund (Debt) 3 330,000 7.64% 1
ICICI Prudential Sensex ETF (Others) 5 500,000 8.26% 1
Tata Retirement Savings Fund (Others) 5 3,500,000 9.38% 2

56-59 Axis small cap fund (Equity) 3 2,000,000 9.39% 1

SBI Small Cap Fund (Equity) 3 1,300,000 8.50% 1
DSP Overnight Fund (Debt) 1 300,000 4.27% 1
ICICI Prudential FMP 2 1,000,000 11.84% 1
L&T Money Market Fund 1 500,000 8.44% 1
Axis Gilt Fund 3 1,000,000 7.96% 1
HDFC Corporate Bond Fund 3 480,000 8.63% 1
Aditya Birla Sun Life Gold ETF (Others) 3 3,000,000 20.49% 2
Retirement Corpus Achievable
Total
14,222,706
4,471,611
2,955,885
3,221,020
2,300,890
551,365
2,616,918

10,494,297
2,843,996
1,228,642
4,345,918
1,324,026

8,569,392
3,017,027
485,088
411,562
743,550
5,479,711

2,617,959
1,660,476
312,810
1,250,819
542,200
1,258,313
615,305
5,247,764
82,789,249
 Investment (Rs.)
Age Equity Debt Others Debt + Others Investment
25-44 9,500,000 3,000,000 740,000 3,740,000 80.00%
45-50 4,800,000 2,800,000 450,000 3,250,000 70.00%
51-55 4,500,000 730,000 4,000,000 4,730,000 60.00%
56-59 3,300,000 3,280,000 3,000,000 6,280,000
50.00%
40.00%
30.00%
20.00%
10.00%
0.00%
Equity

25-44 45-50

% of investment
Age Equity Debt Others Debt + Others Equit
25-44 71.74% 22.65% 5.59% 28.24% 80.00%
45-50 59.60% 34.77% 5.59% 40.36% 70.00%
51-55 48.74% 7.91% 43.33% 51.23% 60.00%
56-59 34.42% 34.21% 31.29% 65.50% 50.00%

Investment
40.00%
30.00%
20.00%
10.00%
0.00%
25-44 45-50
A
 Investment (in %)

Debt + Others

25-44 45-50 51-55 56-59

Equity

45-50 51-55 56-59

Age