Planning
6 articles tagged Planning.
Retirement Planning at 45 or 50 in India 2026: The Honest Catch-Up Playbook
Starting retirement planning at 45 leaves 15 years. Starting at 50 leaves 10. The math is unforgiving but achievable — if you understand exactly how aggressive the SIP, VPF, and NPS contributions need to be, where the tax law genuinely helps the 30%-slab earner, and which two retirement-age levers are worth more than any savings hike.
Retirement Planning for the Self-Employed in India 2026: Build Your Own EPF
Salaried Indians get EPF, gratuity, group health, group term life, and an employer that automates the savings. The self-employed get none of it. The 2026 playbook for building the same safety net out of NPS, PPF, ELSS, voluntary annuities, private health cover, and a real disability rider — and where the tax law genuinely helps.
Medical Inflation in India 2026: Decade of Data and What It Does to Your Retirement Corpus
India's medical inflation has averaged roughly 14% per year for a decade — more than twice the general CPI. For a 60-year-old retiring today, healthcare alone will need 6–8× the corpus a 60-year-old needed in 2015. The numbers, the drivers, and how to rebuild the retirement-healthcare bucket.
Post-Retirement Healthcare Corpus India 2026: How Much You Actually Need
Medical inflation runs at 12-15% — more than double general. A ₹4L hospital event today bills ₹20L by year 15 of retirement. The honest math on healthcare corpus beyond insurance.
The 4% Rule for India 2026: Modified for 6% Inflation + 30× Corpus
The 4% rule was built on US data. India's 5-7% inflation + equity volatility means the safe rate is 3-3.5% and you need 30× expenses as corpus, not 25×. The modified playbook.
Complete Retirement Planning India 2026: The 3-Pillar Playbook
Most Indian retirement plans fail by leaning on one pillar. The 3-pillar playbook that integrates EPF/NPS/UPS + PPF + equity SIPs into a plan that works at 30, 50 and 70.