Building a retirement corpus: How much should you invest at different life stages to build a corpus of Rs 4 crore; see examples
Investment may act as a shield against life’s uncertainties or help you meet your financial goals. But what is the right age for investment? It is the question of the hour. Here, we will explain how investing at different life stages can help investors build a corpus of Rs 4 crore.
)
Planning a retirement corpus is a most crucial and time-consuming task. It is not easy for investor to start investing at the beginning of their career to build a retirement corpus. But it is worth it. Suppose as an investor you start to invest early and end up building a large amount post retirement, it will be an accomplishing moment. Therefore, let’s understand how much one should invest at different stages of life to build a corpus of Rs 4 crore.
What is retirement corpus?
A retirement corpus is the amount of money you will be saving up by the time you retire to support your living expenses. Building a retirement corpus is an important part of retirement planning and can help ensure financial security and independence during retirement.
How to invest for a good retirement corpus?
Start saving early
Make regular contributions
Invest wisely
Get professional help
How much an investor should invest at the age of 20 to build a retirement corpus of Rs 4 crore through a monthly systematic investment plan (SIP)?
If starting at the age of 20, investors need to invest a monthly SIP of Rs 3,370. It will take approximately 40 years for them to build a retirement corpus of Rs 4 core.
How much an investor should invest at the age of 30 to build a retirement corpus of Rs 4 crore?
At the age of 30, investors need to invest a monthly SIP of Rs 11,335. It will take approximately 30 years for them to build a retirement corpus of Rs 4 core.
How much an investor should invest at the age of 40 to build a retirement corpus of Rs 4 crore?
At the age of 40, investors need to invest a monthly SIP of Rs 40,040. It will take approximately 20 years for them to build a retirement corpus of Rs 4 core.
Starting at age 20
Investment Tenure: 40 years
Target Corpus: Rs 4 crore
Assumed Rate of Return: 12% per annum
Invested amount: Rs 16,17,600
Estimated capital gains: Rs 3,84,26,156
Estimated retirement corpus: Rs 4,00,43,756
Starting at age 30
Investment Tenure: 30 years
Target Corpus: Rs 4 crore
Invested amount: Rs 40,80,600
Estimated capital gains: Rs 3,59,30,973
Estimated retirement corpus: Rs 4,00,11,573
Starting at age 40
Investment Tenure: 20 years
Target Corpus: Rs 4 crore
Invested amount: Rs 96,09,600
Estimated capital gains: Rs 3,03,96,283
Estimated retirement corpus: Rs 4,00,05,883
(Disclaimer: Our calculations are projections and not investment advice. Do your own due diligence or consult an expert for financial planning)
Get Latest Business News, Stock Market Updates and Videos; Check your tax outgo through Income Tax Calculator and save money through our Personal Finance coverage. Check Business Breaking News Live on Zee Business Twitter and Facebook. Subscribe on YouTube.
RECOMMENDED STORIES

LIC Saral Pension Plan: How to get Rs 64,000 annual pension on Rs 10 lakh one-time investment in this annuity scheme that everyone is talking about

Gratuity Calculation: What will be your gratuity on Rs 45,000 last-drawn basic salary for 6 years & 9 months of service?

Rs 1,500 Monthly SIP for 20 Years vs Rs 15,000 Monthly SIP for 5 Years: Know which one can give you higher returns in long term

LIC Saral Pension Plan: How much should you invest one time to get Rs 64,000 annual pension for life?

Income Tax Calculations: What will be your tax liability if your salary is Rs 8.25 lakh, Rs 14.50 lakh, Rs 20.75 lakh, or Rs 26.10 lakh? See calculations

Monthly Pension Calculations: Is your basic pension Rs 26,000, Rs 38,000, or Rs 47,000? Know what can be your total pension as per latest DR rates
01:38 PM IST