ABCDEFGHIJKLMNOPQRSTUVWXYZAAABACADAEAFAGAHAIAJAKALAMANAOAPAQARASATAUAVAWAXAYAZBABBBCBDBEBFBGBHBIBJBKBLBMBNBOBPBQBRBSBTBUBVBWBXBYBZCACBCCCDCECFCGCHCICJ
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Model Retirement Plan
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Email: ratnidistributors@gmail.com | Mobile: +91 93 19 200 663 |
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Summary of Retirement Plan for ______________
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Amount Invested #
₹ 20,000,000
Date of Planning
8-Apr-26
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Monthly Income Required
₹ 50,000
Life Expectency
80 Yrs of Age
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Total Withdrawals in plan period
(21,235,355)
Lifestyle Inflation Adjustment
6.00%
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Value of Portfolio @ 80 yrs of Age
₹ 54,426,344
Date of Retirement
31-Mar-26
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Investment Details
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Scheme / InstrumentIndicative Return
(Pre Tax)
Fund Allocation
(INR)
Monthly IncomeMaturity ProfileRemarks
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Goal
Bucket
Son's Marriage7.00%₹4,000,000 ₹0 1 YearBPSU Fund 1 - Bullet Investment in BPSU 1
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Emergency Fund7.00%₹1,500,000 ₹0 --BPSU Fund 2 - Bullet Investment in PSU 2
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Income BucketMOD / Flexi Deposit A/C6.50%₹0 --BPSU Fund 2 - Bullet Investment in BPSU 2
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Growth BucketEquity MF12.00%₹4,240,000 ₹0 5+ YearsLarge+Mid+Small+Global
STP vis BPSU Fund
2,500,000.00 16 156,250.00
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Debt MF7.50%₹8,760,000 ₹0 5+ YearsBullet investment in BPSU- BPSU 50% and BPSU 50%5 2,500,000.00 16 156,250.00
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Gold7.00%₹1,500,000 ₹0 5+ YearsSTP of 10 months in Gold & Silver Fund
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TOTAL8.38%₹20,000,000 ₹0 2,500,000.00 16 156,250.00
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2,500,000.00 16 156,250.00
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Cash Flow
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Income SourceMonthly Income
(in INR)
Annual Income
(in INR)
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Rental₹ 16,000₹ 192,000
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Pension₹ 4,000₹ 48,000
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SWP from MF
₹ 0₹ 0
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SCSS₹ 20,000
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SBF₹ 0
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Old Pension
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Total Income₹ 40,000₹ 480,000
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Year Wise Portfolio Value#REF!
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YearOpening Portfolio ValueWithdrawals (SWP)
During the Year
TaxClosing Portfolio ValueCashflowTot TAXCash flowSlab rate tax calcSon's MarriageCG Tax DebtDaughter's MarriageCG Tax DebtEmergency FundCG Tax DebtHome Loan RepaymentCG Tax DebtMOD / Flexi Deposit A/CIncomeEquity MFCG Tax EqDebt MFCG Tax DebtPPF/ SCSSIncomeGoldCG Tax Debt
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Actual%Required Monhtly InflowPension/ SCSSBlance Required IncomeTotal Inflow RequiredSon's MarriageDaughter's MarriageEmergency FundHome Loan RepaymentMOD / Flexi Deposit A/CEquity MFDebt MFPPF/ SCSSTotal taxPre Tax InflowPost tax CashflowCumulative Post tax Cashflowincome taxable @ slab rateStandard DeductionBasic Exemption5.00%10.00%15.00%20.00%25.00%30.00%Slab rate Tax4.00%Opening+/-ClosingCostProfitOpening+/-ClosingCostProfitOpening+/-ClosingCostProfitOpening+/-ClosingCostProfitOpening+/-ClosingOpening+/-ClosingCostProfitTaxOpening+/-ClosingCostProfitOpening+/-ClosingCostProfitOpening+/-ClosingCostProfit
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YEARCumulative Corpus
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2025₹ 20,000,000(4,360,000)₹ 00%₹ 16,992,4000 600,000 240,000 360,000 600,000 (4,000,000) - - - (360,000) - - (4,360,000) 4,360,000 4,360,000 216,600 75,000 141,600 - - - - - - - - 4,000,000 (4,000,000) - 4,000,000 - - - - - - 1,500,000 - 1,605,000 - - - - - - - (360,000) (383,400) (23,400) 4,240,000 4,748,800 - - - 8,760,000 9,417,000 - - - - - - 1,500,000 - 1,605,000 - 246000
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2026₹ 16,992,400(360,000)₹ 00%₹ 18,084,9101 636,000 240,000 396,000 636,000 - ₹ 0 - - (360,000) - - (360,000) 360,000 360,000 191,679 75,000 116,679 - - - - - - - - - - - - - - - - - - 1,605,000 - 1,717,350 - - - - - - - (383,400) (360,000) (791,721) (48,321) 4,748,800 5,318,656 - - - 9,417,000 10,123,275 - - - - - - 1,605,000 - 1,717,350 - 20500
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2027₹ 18,084,910(434,160)₹ 00%₹ 19,204,6392 674,160 240,000 434,160 674,160 - ₹ 0 - - - - (434,160) - - (434,160) 434,160 434,160 247,005 75,000 172,005 - - - - - - - - - - - - - - - - - - 1,717,350 - 1,837,565 - - - - - - - (791,721) - (843,183) (51,462) 5,318,656 - 5,956,895 - - - 10,123,275 (434,160) 10,415,799 375,693 58,467 - - - - 1,717,350 - 1,837,565 -
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2028₹ 19,204,639(474,610)₹ 00%₹ 20,392,8993 714,610 240,000 474,610 714,610 - - - (474,610) - - (474,610) 474,610 474,610 277,761 75,000 202,761 - - - - - - - - - - - - - - - - 1,837,565 - 1,966,194 - - - - - - - (843,183) (897,990) (54,807) 5,956,895 - 6,671,722 - - - 10,415,799 (474,610) 10,686,778 382,042 92,568 - - - - 1,837,565 - 1,966,194 -
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2029₹ 20,392,899(517,486)₹ 00%₹ 21,655,6144 757,486 240,000 517,486 757,486 - - - (517,486) - - (517,486) 517,486 517,486 311,623 75,000 236,623 - - - - - - - - - - - - - - - - 1,966,194 - 2,103,828 - - - - - - - (897,990) (956,359) (58,369) 6,671,722 - 7,472,329 - - - 10,686,778 (517,486) 10,931,989 387,494 129,992 - - - - 1,966,194 - 2,103,828 -
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2030₹ 21,655,614(562,935)₹ 00%₹ 22,985,0645 802,935 240,000 562,935 802,935 - - - (562,935) - - (562,935) 562,935 562,935 334,309 75,000 259,309 - - - - - - - - - - - - - - - - 2,103,828 - 2,251,096 - - - - - - - (956,359) (1,032,868) (76,509) 7,472,329 - 8,369,008 - - - 10,931,989 (562,935) 11,146,733 392,117 170,818 - - - - 2,103,828 - 2,251,096 -
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2031₹ 22,985,064(611,111)₹ 00%₹ 24,400,9296 851,111 240,000 611,111 851,111 - - - (611,111) - - (611,111) 611,111 611,111 372,505 75,000 297,505 - - - - - - - - - - - - - - - - 2,251,096 - 2,408,672 - - - - - - - (1,032,868) (1,115,497) (82,629) 8,369,008 - 9,373,289 - - - 11,146,733 (611,111) 11,325,793 395,977 215,135 - - - - 2,251,096 - 2,408,672 -
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2032₹ 24,400,929(662,178)₹ 00%₹ 25,911,2917 902,178 240,000 662,178 902,178 - - - (662,178) - - (662,178) 662,178 662,178 413,807 75,000 338,807 - - - - - - - - - - - - - - - - 2,408,672 - 2,577,279 - - - - - - - (1,115,497) (1,204,737) (89,240) 9,373,289 - 10,498,084 - - - 11,325,793 (662,178) 11,463,386 399,131 263,047 - - - - 2,408,672 - 2,577,279 -
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2033₹ 25,911,291(716,309)₹ 00%₹ 27,525,2238 956,309 240,000 716,309 956,309 - - - (716,309) - - (716,309) 716,309 716,309 458,294 75,000 383,294 - - - - - - - - - - - - - - - - 2,577,279 - 2,757,689 - - - - - - - (1,204,737) (1,301,116) (96,379) 10,498,084 - 11,757,854 - - - 11,463,386 (716,309) 11,553,108 401,636 314,673 - - - - 2,577,279 - 2,757,689 -
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2034₹ 27,525,223(773,687)₹ 00%₹ 29,252,9229 1,013,687 240,000 773,687 1,013,687 - - - (773,687) - - (773,687) 773,687 773,687 506,056 75,000 400,000 31,056 - - - - - - - - - - - - - - - 2,757,689 - 2,950,727 - - - - - - - (1,301,116) (1,405,205) (104,089) 11,757,854 - 13,168,796 - - - 11,553,108 (773,687) 11,587,877 403,543 370,145 - - - - 2,757,689 - 2,950,727 -
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2035₹ 29,252,922(834,509)₹ 00%₹ 31,105,85710 1,074,509 240,000 834,509 1,074,509 - - - (834,509) - - (834,509) 834,509 834,509 557,194 75,000 400,000 82,194 - - - - - - - - - - - - - - - 2,950,727 - 3,157,278 - - - - - - - (1,405,205) (1,517,622) (112,416) 13,168,796 - 14,749,052 - - - 11,587,877 (834,509) 11,559,871 404,899 429,610 - - - - 2,950,727 - 3,157,278 -
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2036₹ 31,105,857(898,979)₹ 00%₹ 33,096,94011 1,138,979 240,000 898,979 1,138,979 - - - (898,979) - - (898,979) 898,979 898,979 611,821 75,000 400,000 136,821 - - - - - - - - - - - - - - - 3,157,278 - 3,378,287 - - - - - - - (1,517,622) (1,639,031) (121,410) 14,749,052 - 16,518,938 - - - 11,559,871 (898,979) 11,460,458 405,748 493,231 - - - - 3,157,278 - 3,378,287 -
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2037₹ 33,096,940(967,318)₹ 00%₹ 35,240,71812 1,207,318 240,000 967,318 1,207,318 - - - (967,318) - - (967,318) 967,318 967,318 670,063 75,000 400,000 195,063 - - - - - - - - - - - - - - - 3,378,287 - 3,614,768 - - - - - - - (1,639,031) (1,770,154) (131,123) 16,518,938 - 18,501,211 - - - 11,460,458 (967,318) 11,280,126 406,132 561,185 - - - - 3,378,287 - 3,614,768 -
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2038₹ 35,240,718(1,039,757)₹ 00%₹ 37,553,58913 1,279,757 240,000 1,039,757 1,279,757 - - - (1,039,757) - - (1,039,757) 1,039,757 1,039,757 732,055 75,000 400,000 257,055 - - - - - - - - - - - - - - - 3,614,768 - 3,867,801 - - - - - - - (1,770,154) (1,911,766) (141,612) 18,501,211 - 20,721,356 - - - 11,280,126 (1,039,757) 11,008,397 406,090 633,667 - - - - 3,614,768 - 3,867,801 -
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2039₹ 37,553,589(1,116,542)₹ 95,3849%₹ 39,908,42114 1,356,542 240,000 1,116,542 1,356,542 - - (1,116,542) - 95,384 (1,116,542) 1,211,927 1,211,927 87,059 75,000 12,059 - - - - - - - - - - - - - - - - 3,867,801 - 4,138,547 - - - - - - - (1,911,766) (2,064,708) (152,941) 20,721,356 (1,116,542) 21,957,391 228,467 888,076 95,384 11,008,397 11,834,027 - - - - - - 3,867,801 - 4,138,547 -
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2040₹ 40,003,805(1,197,935)₹ 106,7609%₹ 42,492,01715 1,437,935 240,000 1,197,935 1,437,935 - - (1,197,935) - 106,760 (1,197,935) 1,304,695 1,304,695 74,823 75,000 (177) - - - - - - - - - - - - - - - - 4,138,547 - 4,428,246 - - - - - - - (2,064,708) (2,229,884) (165,177) 21,957,391 (1,197,935) 23,250,591 218,858 979,077 106,760 11,834,027 12,721,579 - - - - - - 4,138,547 - 4,428,246 -
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2041₹ 42,598,777(1,284,211)₹ 118,7169%₹ 45,227,49816 1,524,211 240,000 1,284,211 1,524,211 - - (1,284,211) - 118,716 (1,284,211) 1,402,927 1,402,927 61,609 75,000 (13,391) - - - - - - - - - - - - - - - - 4,428,246 - 4,738,223 - - - - - - - (2,229,884) (2,408,275) (178,391) 23,250,591 (1,284,211) 24,602,346 209,483 1,074,728 118,716 12,721,579 13,675,697 - - - - - - 4,428,246 - 4,738,223 -
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2042₹ 45,346,214(1,375,664)₹ 131,28810%₹ 48,122,83017 1,615,664 240,000 1,375,664 1,615,664 - - (1,375,664) - 131,288 (1,375,664) 1,506,952 1,506,952 47,338 75,000 (27,662) - - - - - - - - - - - - - - - - 4,738,223 - 5,069,898 - - - - - - - (2,408,275) (2,600,937) (192,662) 24,602,346 (1,375,664) 26,013,884 200,358 1,175,306 131,288 13,675,697 14,701,374 - - - - - - 4,738,223 - 5,069,898 -
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2043₹ 48,254,118(1,472,603)₹ 144,51310%₹ 51,186,26918 1,712,603 240,000 1,472,603 1,712,603 - - (1,472,603) - 144,513 (1,472,603) 1,617,117 1,617,117 31,925 75,000 (43,075) - - - - - - - - - - - - - - - - 5,069,898 - 5,424,791 - - - - - - - (2,600,937) (2,809,012) (208,075) 26,013,884 (1,472,603) 27,486,234 191,497 1,281,107 144,513 14,701,374 15,803,977 - - - - - - 5,069,898 - 5,424,791 -
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2044₹ 51,330,782(1,575,360)₹ 158,43110%₹ 54,426,34419 1,815,360 240,000 1,575,360 1,815,360 - - (1,575,360) - 158,431 (1,575,360) 1,733,791 1,733,791 15,279 75,000 (59,721) - - - - - - - - - - - - - - - - 5,424,791 - 5,804,527 - - - - - - - (2,809,012) (3,033,733) (224,721) 27,486,234 (1,575,360) 29,020,179 182,910 1,392,450 158,431 15,803,977 16,989,276 - - - - - - 5,424,791 - 5,804,527 -
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20 1,924,281 240,000 - - - - -
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21 2,039,738 240,000 - - - - -
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22 2,162,122 240,000 - - - - -
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Cumulative Corpus (INR Cr)23 2,291,850 240,000 ₹5,790,494.19 - - - - -
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24 2,429,361 240,000 - - - - -
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25 2,575,122 240,000 - - - - -
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Annual Cash Inflow (INR lakhs)Annual Tax Outflow (INR lakhs)
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