SIP for Retirement Planning — How Much to Invest Each Month

SIP for Retirement — The Advantage of Starting Early

Retirement SIPs benefit enormously from time. The monthly investment needed drops dramatically the earlier you start. For a ₹2 crore retirement corpus at age 60 assuming 12% returns: starting at 25 needs ₹4,500/month, at 30 needs ₹8,000/month, at 35 needs ₹14,000/month, at 40 needs ₹25,000/month, at 45 needs ₹47,000/month.

From SIP to SWP in Retirement

During your working years, you build the corpus through SIP. In retirement, you use an SWP (Systematic Withdrawal Plan) to generate monthly income from that corpus. A well-planned SIP-to-SWP strategy ensures your savings last throughout retirement. The SWP calculator helps you plan the withdrawal phase.