Retirement Is a Long Cash-Flow Problem
Retirement planning is not a one-time number. It is about sustaining purchasing power for 25-30 years.
Three Inputs You Need
- Current monthly expense
- Years to retirement
- Expected inflation and return assumptions
Key Principle
Inflation is the biggest risk. A comfortable expense today can multiply several times by retirement.
Execution
Use SIPs in diversified equity-oriented funds for long horizon and gradually shift to debt near retirement.