Retirement planning

	A	B	C	D	E	F	G	H	I	J	K
1		live like a KING after you retire
2		Reqd. Pension (p.a.)	100,000.00	per month, at 68 yrs
3		Reqd. Pension (p.a.)	1,200,000.00	per year, at 68 yrs
4		TIME LEFT	22.00	yrs (until age of 68 yrs)		38 years
5		RETURNS	15.00%	% (p.a.)
6		LUMPSUM	₹0.00	INR
7		PMT	9,256.8	SIP (p.m.) required to build the corpus
8		or LUMPSUM Reqd.	812,282.8	Lumpsum reqd. one time
9		Corpus to be ... created at 68 yrs	-17,581,654.8			68 years
10		post retirement interest Rate	10.00%
11		RETIREMENT PLANNING					Required Pension (p.a.)	₹1,200,000.00
12		Age	Inflation	Return	Pension withdrawn	Amount to be Allocated	Corpus reqd at 68 yrs.	-₹17,581,654.79	-₹17,581,654.79	risk	retuurn
13	1	68	5.67%	6%	₹1,200,000	-₹1,200,000	basket-1= Conservative hybrid (short term, bond)	-₹6,503,903.19	-₹16,381,654.79	1	6%
14	2	69	5.60%	6%	₹1,267,200	-₹1,152,000	basket-1= Conservative hybrid		-₹15,229,654.79	1	6%
15	3	70	5.53%	6%	₹1,337,276	-₹1,105,187	basket-1= Conservative hybrid (85% debt)		-₹14,124,467.88	1	6%
16	4	71	5.46%	8%	₹1,410,291	-₹1,059,573	basket-2= Balanced Hybrid		-₹13,064,895.05	1	8%
17	5	72	5.39%	8%	₹1,486,306	-₹1,015,167	basket-2= Balanced Hybrid		-₹12,049,727.95	1	8%
18	6	73	5.32%	8%	₹1,565,378	-₹971,976	basket-2= Balanced Hybrid	-₹5,226,668.10	-₹11,077,751.60	1	8%
19	7	74	5.25%	10%	₹1,647,560	-₹930,005	basket-3= Agggresssive Hybrid (15% debt , 85% equity)		-₹10,147,746.96	1	10%
20	8	75	5.18%	10%	₹1,732,904	-₹889,254	basket-3= Agggresssive Hybrid		-₹9,258,493.42	1	10%
21	9	76	5.11%	10%	₹1,821,455	-₹849,722	basket-3= Agggresssive Hybrid		-₹8,408,771.25	1	10%
22	10	77	5.04%	10%	₹1,913,256	-₹811,407	basket-3= Agggresssive Hybrid		-₹7,597,363.83	1	10%
23	11	78	4.97%	11%	₹2,008,345	-₹774,304	basket-4= Equity Mutual Funds	-₹4,131,042.92	-₹6,823,059.85	1	11%
24	12	79	4.90%	11%	₹2,106,754	-₹738,404	basket-4= Equity Mutual Funds		-₹6,084,655.42	1	11%
25	13	80	4.83%	11%	₹2,208,510	-₹703,699	basket-4= Equity Mutual Funds		-₹5,380,956.00	1	11%
26	14	81	4.76%	11%	₹2,313,635	-₹670,178	basket-4= Equity Mutual Funds		-₹4,710,778.26	1	11%
27	15	82	4.69%	11%	₹2,422,145	-₹637,826	basket-4= Equity Mutual Funds		-₹4,072,951.83	1	11%
28	16	83	4.62%	11%	₹2,534,048	-₹606,631	basket-4= Equity Mutual Funds		-₹3,466,320.90	1	11%
29	17	84	4.55%	13%	₹2,649,347	-₹576,575	basket-4= Equity Mutual Funds	-₹3,047,210.12	-₹2,889,745.79	1	13%
30	18	85	4.48%	13%	₹2,768,038	-₹547,642	basket-4= Equity Mutual Funds		-₹2,342,104.26	1	13%
31	19	86	4.41%	13%	₹2,890,108	-₹519,811	basket-4= Equity Mutual Funds		-₹1,822,292.88	1	13%
32	20	87	4.34%	13%	₹3,015,539	-₹493,065	basket-4= Equity Mutual Funds		-₹1,329,228.15	1	13%
33	21	88	4.27%	13%	₹3,144,303	-₹467,381	basket-4= Equity Mutual Funds		-₹861,847.62	1	13%
34	22	89	4.20%	13%	₹3,276,363	-₹442,737	basket-4= Equity Mutual Funds		-₹419,110.79	1	13%
35	23	90	4.13%	13%	₹3,411,677	-₹419,111	basket-4= Equity Mutual Funds		₹0.00	1	13%
36
37		This model covers increasing costs of living due to inflation.
38		This model assumes that you start retirement expenditure after 68 yrs.
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
85
86
87
88
89
90
91
92
93
94
95
96
97
98
99
100