Early Retirement: Rs 2.5 Crore Not Enough? Smart Strategies to Make Your Money Last
Business
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Moneycontrol•26-01-2026, 13:09
Early Retirement: Rs 2.5 Crore Not Enough? Smart Strategies to Make Your Money Last
- •A Rs 2.5 crore corpus for early retirement might seem substantial, but inflation and rising costs can erode its value over decades.
- •Relying solely on Fixed Deposits (FDs) is risky; their 6% returns often fail to beat inflation, leading to corpus depletion.
- •Diversify your retirement fund: allocate Rs 1.5 crore to FDs for stable income and liquidity for emergencies.
- •Invest Rs 50 lakh in balanced advantage funds for moderate growth, allowing the portfolio to combat inflation without constant monitoring.
- •Include a small, diversified equity allocation (e.g., Rs 50 lakh) for long-term growth, ensuring your lifestyle doesn't shrink due to rising prices, and secure robust health insurance.
Why It Matters: Early retirement with Rs 2.5 crore requires diversified investments, not just FDs, to combat inflation and ensure longevity.
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