Retirement Planning - v6
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Corpus Required
₹43,792,161
Parameters to be entered in Yellow boxes
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see explanatory notes at bottom
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cycle phasecomp inflationrandom excessEst Annual Expensescomp. interestNPV of Annual Expenses25
Life expectancy after retirement [1]
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year
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011.12₹900,0001.0610
Economic Cycle in Years, Sine curve [2]
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10.811.251₹1,008,0001.12₹950,943B
Starting Point of Economic Cycle [3]
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20.311.381₹1,125,0001.18₹1,004,464Max
of Economic Cycle
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3-0.311.511₹1,242,0001.24₹1,052,542
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4-0.811.641₹1,359,0001.29₹1,095,968Inflation
Interest -- [4]
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5-11.771₹1,476,0001.34₹1,144,186126Maximum
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6-0.811.921₹1,593,0001.4₹1,188,80684Minimum
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7-0.312.11₹1,728,0001.47₹1,234,286105Mean
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80.312.321₹1,890,0001.55₹1,285,71421Amplitude
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90.812.591₹2,088,0001.64₹1,347,097
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1012.91.1₹2,564,1001.74₹1,563,476
Monthly Expenses in last year of employment [5]
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110.813.241₹2,610,0001.84₹1,500,000₹20,000
Rent+Utilities
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120.313.581₹2,916,0001.94₹1,584,783₹20,000
Food
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13-0.313.921₹3,222,0002.03₹1,660,825₹10,000
Staff
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14-0.814.251₹3,528,0002.12₹1,737,931₹10,000
Medicines
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15-14.591₹3,825,0002.2₹1,804,245₹10,000
Luxury
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16-0.814.971₹4,131,0002.29₹1,877,727₹5,000
Contingencies
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17-0.315.441₹4,473,0002.4₹1,953,275₹75,000
Monthly Expenses, year 0 [5]
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180.316.021₹4,896,0002.53₹2,040,000
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190.816.721.1₹5,959,8002.68₹2,355,652
Random Expense Risk [6]
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2017.531₹6,048,0002.84₹2,256,7160.2
Probability in any year [6a]
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210.818.41₹6,777,0003.01₹2,386,26810
Quantum in percentage [6b]
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220.319.291₹7,560,0003.17₹2,511,628
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23-0.3110.161₹8,361,0003.32₹2,637,5393.141592654
value of Pi =PI()
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24-0.8111.011₹9,144,0003.46₹2,754,2171.570796327
Start Phase
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25-111.891₹9,909,0003.6₹2,863,873
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[1]
How long do you expect to live after you have stopped earning -- between 5 and 50 years
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[2]
We assume that inflation rates and interest rates are correlated and move cyclically in a sine curve
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[3]
The point on the sine curve when you retire. A = beginning, B = max point, C is middle and D is min point
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If you do not believe in cycles, you can set a continuously rising trend by
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setting cycle length [2] = twice life expectancy [1] and start point [3] is D
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On the other hand, if you want a continuously falling trend
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set cycle length [2] = twice life expectancy [1] and start point [3] is B
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[4]
Maximum and minimum of inflation and post tax, risk free interest rates
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inflation
https://www.quandl.com/collections/india/india-inflation-prices
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interest rates
https://www.quandl.com/data/BCB/17901-Official-interest-rate-India
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[5]
Average Monthly household expenditure in the last year prior to retirement
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The total matters, the individual components are there for guidance
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[6]
In addition to planned expenditure, there can be unplanned random expenditure in certain years
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[6a]
probability of an unplanned expenditure in any year
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[6b]
in case there is an unplanned expenditure, what could be the percentage extra to be factored in
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