Retirement/ Pension Planning

POSTED BY Sanchay Kulkarni ON December 31, 2010 2:42 pm COMMENTS (3)

 

I am 30, have enough insurance cover, my monthly expenses are 15000 (excluding loans). I want to plan for my monthly pension, it should start after age of 55, how much and where should I invest per month, most important, the returns should beat inflation, so that I can spend equivalent value of Rs. 15,000 (after age of 55). Please guide me.

I am ready to hire a financial planner for the same.

3 replies on this article “Retirement/ Pension Planning”

  1. bharat shah says:

    without fee you can surf ‘calculators’ -retirement planning, make some assumptions such as inflation before and after retirement as 7%, earning on investment before 12% as you can prefer diversified mf and 9% after retirement through debt investment , such as NSS, life expectancy after retirement for 30 years, and you will get the fig. required saving per month as rs.13013/-. for financial planner, refer articles of manish in this blog.

    1. Sanchay Kulkarni says:

      Thanks Bharat!!

      I checked that few SWPs MF are also available, that might also solve the purpose. I will check them before investing. Anyways, thanks again.

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