Post Retirement Investment Working

Target Monthly Income 50,000.00

Retirement Corpus
Total Amount
PRBS 6,000,000.00
CPF 6,000,000.00
CSSS 150,000.00
Gratuity 2,000,000.00
Leave Encashment 150,000.00
14,300,000.00

Must Investment for Monthly Income

Amount
PRBS-Annuity 4,000,000.00
SCSS 1,500,000.00
POMIS 900,000.00
PMVVY 1,500,000.00
Other Annuity Scheme/SDL/Corporate Bonds 1,100,000.00
9,000,000.00

Balance Amount Left for Investment 5,300,000.00

Further Investments
Investment Amount
NPS (Both Debt & Equity) 5,000,000.00

Remaining 3 Lakhs in Liquid Investments Like FDs/Liquid Funds etc as Emergency Saving.
orking

Interest Rate Monthly Income Years of Investment

6% 20,000.00 Life Long
7.40% 9,250.00 8 years
6.60% 4,950.00 5 Years
7.40% 9,250.00 10 Years
7.40% 6,783.33 Life Long/Tenure of Bond
50,233.33

Expected Annual Return Investment Time (Years) Corpus

8% 10 10,794,624.99

nds etc as Emergency Saving.

Tenure of Bond

Commutation Amount Annuity Amount

6,476,774.99 4,317,849.99
21589.24997273
Investment in Index

Index in 2002 1/1/2002 -1000

Index in 2021 7/11/2021 15800
XIRR Return 15.17%

Investment Amount Expected Annual Return

Investment in Index 50000 15.17%
1500000
1,550,000.00
Nifty -50

Yearly Investment Investment Time (Years) Corpus

50000 30 25,962,814.85
 Magic of Compounding
Amount in Rs Principal Invested
Initial Investment 0 -
Regular Investment 12000 360,000.00
Tenure 30 360,000.00
Rate of Interest/Return 12%
Final Corpus ₹ 3,243,511.28

Difference Between Direct and Regular Plan

Direct Regular
Initial Investment 0 0
Regular Investment 150000 150000
Tenure 25 25
Rate of Interest/Return 10.92% 10.0500%
Final Corpus ₹ 16,954,376.46 ₹ 14,863,435.11 ₹ 2,090,941.35
₹ -2,090,941.35

Difference Between Index Funds/ETFs and Other Mutual Funds

Index Funds / ETFs Other MFs (D ) Other MFs ( R )
Initial Investment 0 0 0
Regular Investment 150000 150000 150000
Tenure 25 25 25
Rate of Interest/Return 11.93% 10.9200% 10.0500%
Final Corpus ₹ 19,788,986.21 ₹ 16,954,376.46 ₹ 14,863,435.11
₹ -2,834,609.74 ₹ -4,925,551.10
Compunding Interest
Principal Amount (P) 50,000
Time in Years (n) 30
Rate in % ( r ) 12%
Amount A= P*(1+r)^n 1,497,996

Expense Ratio
XYZ Bluechip Fund ( R ) 1.95%
XYZ Bluechip Fund ( D ) 1.08%
Diifernce in Expense Ratio 0.87%
Absolute Return 12%

Expense Ratio
XYZ Nifty 50 ETF 0.07%
XYZ Bluechip Fund ( R ) 1.95%
XYZ Bluechip Fund ( D ) 1.08%
Absolute Return 12%

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