Is 1 Crore Enough To Retire? How to plan your retirement?

Retirement Calculator
investyadnya.in/retirement-ca...
A retirement plan is a type of life insurance plan designed to fulfil the post-retirement needs of an individual. It helps create a corpus amount and generate a regular income after retirement in the form of a pension. Hence, it is also known as a pension plan.
Complete Fundamental Stock Analysis Tool - Stock-o-meter:
investyadnya.in/stock-o-meter
Research Based Ready-made Model Portfolios:
investyadnya.in/model-portfolios
Comprehensive Mutual Fund Reviews:
investyadnya.in/fund-o-meter
Yadnya Books and eBooks now available:
On Amazon - amzn.to/2XKtlks
On our website - investyadnya.in/books
Find us on Social Media and stay connected:
Blog - blog.investyadnya.in
Telegram - t.me/InvestYadnya
Facebook Page - / investyadnya
Facebook Group - goo.gl/y57Qcr
Twitter - / investyadnya
LinkedIn - / investyadnya
#retirementplanning #retire #financialfreedom
#InvestYadnya #YIA
LEGAL DISCLAIMER:
Use of this information is at the user's own risk. The Company and its directors, associates and employees will not be liable for any loss or liability incurred to the user due to investments made or decisions taken based on the information provided herein. The investment discussed or views expressed herein may not be suitable for all investors. The users should rely on their own research and analysis and should consult their investment advisors to determine the merit, risks and suitability of recommendation. Past performance is not a guarantee for future performance or future results. Information herein is believed to be reliable, although its accuracy and completeness cannot be guaranteed. The images used may be copyright of the company or third party. As a condition to using the services, the user agrees to the terms of use of the website and the services.
DISCLOSURES UNDER SEBI (RESEARCH ANALYST) REGULATIONS, 2014:
Yadnya Academy Pvt. Ltd. (InvestYadnya) is registered with SEBI under SEBI (Research Analyst) Regulations, 2014 with registration no. INH000008349.
Disclosure with regard to ownership and material conflicts of interest
1. Neither Research Analyst nor the entity nor his associates or relatives have any financial interest in the subject Company;
2. Neither Research Analyst nor the entity nor its associates or relatives have actual / beneficial ownership of one per cent or more securities of the subject Company, at the end of the month immediately preceding the date of publication of the research report or date of public appearance;
3. Neither Research Analyst nor the entity nor its associates or his relatives have any other material conflict of interest at the time of publication of the research report or at the time of public appearance.
Disclosure with regard to receipt of Compensation
1. The Research Entity and its associates have not received compensation from the subject company in the past twelve months.
2. The subject company is not or was not a client during the twelve months preceding the date of recommendation.

[@riyazahmed208]

1crore is more than enough if your target is peace of mind and emotional family bonding. Sheer materialism and status conciousness has no end. Medical expenses are also negligible if you are a fitness and health freak (you font need a gym to be a health freak)and you have no hangups getting medical care in a decent govt hospital. By 58 your children responsibilities are over . Your loans are over. You have your own house. You love cooking so outside food doesnt give you enough kick. You will have clothes enough to last a lifetime. . You have great friends so once in a while u can enjoy a drink party, play cards carrom and watch movies in hometheatre .Nearby holidays and picnics are enough to give u enjoyment . Shopping drastically reduces. And if reading is your hobby, kindle becomes your best friend. Main thing is fitness. Im 52my dad is 83 my mom 78 my wife 44 .we excersise regularly and are without any desease . Medical expense is almost negligible. People should link fitness with money and i guess all will be health freaks.

[@geg375]

Issue is that diseases these days doesn't come based on good living habits...

[@garri6376]

Touch wood 🧿

[@riyazahmed208]

@@geg375 but thinking about that sure can . What has to happen will happen. We gotta try our best and chill. No ones gonna live for 200years.

[@Jazzz848]

But medical exigencies can’t be ruled out even if you r living a healthy life. Life style diseases can be avoided but there could be some unforeseen medical crisis in old age.

[@sarveshsrivastava8300]

Still, to eat healthy, milk, fruit, vegetables, grocery etc, for 2 people min 20k per month would be required. For occasional parties add min 5k. One needs to pay bills, electricity, internet, gas, property tax etc, min 5k. If you keep any maid or servant add min 5k. If you maintain a car add min 5k for fuel, maintenance, insurance etc. If you go for holidays once in a while, even to nearby locations, add min 5k. House maintenance and society charges would avg at 5k. So min 50K per month would still be required ( disregarding any medical expenses), which will keep increasing with inflation.

[@sowrabhlal415]

M 31 yrs old discharged from Armed Forces on Medical Ground with service of 12 yrs 7 months 11 days got gratuity and other includes 25 lakh and pension of 24000/- abi me Ghar par Maa Papa ki service kar rha hu❤ Jai Hind❤

[@being5411]

Oh Good

[@user-jj2nt2vs5n]

Thank you for your service. Jai Hind

[@vishnuvalluri717]

Thank You for your service Sir

[@kushik.naveen]

These calculators are good for estimates but all the factors are so varied that you should always keep a healthy buffer for everything

[@religionofpeace782]

Really good and helpful video for everyone. Great job!!

[@charlottehoward376]

I think it's especially difficult for retirees and near-retirees, I know to focus on the long term but the anxiety when you're supposed to retire in 3-5 years is exhausting. it is difficult for me to participate in the market right now due to the full-time nature of my job. it will be too stressful to combine so I don't even think about it

[@patrickandrew8374]

There are actually a lot of ways to make high yields in a crisis, but such trades are best done under the supervision of Financial advisor.

[@ramprasadtian]

Impressive, Can you share more details?

[@patrickandrew8374]

My advisor is ‘’BRIAN FRANCIS PEARCE’’ he’s highly qualified and experienced in the financial market. He has extensive knowledge of portfolio diversity and is considered an expert in the field. I recommend researching her credentials further. He has many years of experience and is a valuable resource for anyone looking to navigate the financial market.

[@ramprasadtian]

Please how do I communicate with him

[@patrickandrew8374]

HE'S ALWAYS ACTIVE ON TELEGRAM'S APPAND TICKTOK WITH THE NAME BELOW

[@Abhijith.Reddy_K]

Absolute Thanks, I am from Design and not able to do math this helps a lot!!!

[@abhijeetpanse7141]

Most of the people go wrong while calculating is they input the monthly expenses comparing today’s expenses whereas after you retire your monthly expenses is going to be reduced compared to your current.. the only expense which is going to increase is your medical bills if you have not had a healthy lifestyle

[@banwarisaboo2403]

Good and informative video. Keep it up.

[@learn-2-earnn]

Invest in gold ( sgbs and physical) , ppf and top 20 stocks of Nifty on good dips...but gold will be the commodity to acquire in next few decades ...investments in these three consistently over 2-3 decades in good amounts will be enough to keep u stable in old age imo ...inflation will rise and fd rates will fall in coming decades imo ,so other options need to be considered for decent compounding returns

[@roshangupta9293]

I feel calculator will not reflect real time scenario. We are considering inflation which is good for calculation. But while we earn salary we don't go as per inflation. We go as per percent hike which is equivalent to rate of return.

[@gauravkhandelwal1575]

Hello Yadnya Academy, Do you provide personal, One to One investment guidance as your paid service ? Do you guide on the personal portfolio ?

[@priyanshurajput5974]

Excellent video thanks sir ji

[@payaljoshi4001]

Unrealistic expectations are the main cause of financial instability. Another reason is to compare with others. Live simple life. You are here to live a good life and not for show off or follow others

[@akhandbha]

Well said. Actually think of it, a very hardworking farmer earns far less than most salaried professionals. So lead a simple life

[@mohansanthanam8833]

Life expectancy till 90 is very rare. 10% return is possible only on long term investment. I think 30k is enough if you are healthy & lead a simple life. Good calculator.

[@ajitwelling]

Your after retirement calculator is not working correctly. When I increase current assets, retirement corpus deficit also increases...? How this is possible?

[@InfiBlogger]

Your expenses will drop considerably because, 1. You have a home. No rent. 2. Your kids are now married and you don't have to spend on them. Occassionally they can give you some money. Maybe not. So today's, expenses will definitely go down after 60 years and you can survive easily.

[@vikasnarang83]

Medical expenses

[@kashi7779]

Don't have penny still retire ....paisa hi samsya hai hai to b nhi hai to b .namak roti khaie Hari har ke gun gayiye .

[@krishna_bakth1420]

Ekdam correct jitna bhi kamayenge utna kam hai . Pehle jamane koi kuch plan nahi karta tha sab jike ke chale Gaye achhe se .kalyug mai hi jaise jais age bad rahe waise waise financial planning ki jyada jaroorat pad Rahi hai

[@sandeepgoyal144]

Emergency medical expenses me bahut kharcha ho jaata hai.

[@akritirana6622]

@@sandeepgoyal144 exactly 💯

[@religionofpeace782]

Bas spirituality hi inn sab lochao se bacha sakta hai..finance finance karke dimaag ka dahi khichdi roganjosh hojaata hai. 😂😂😂 Kam me hi khush rehna seekho...single raho mast Ram ram gao

[@visheshsaini709]

👍

[@vikasnarang83]

Where can i find this caculator.

[@4am_Sachin]

I'm 32 returned to india from Australia after 10 years. I have already built 2 houses with 3 crore and a 50 lac car. No loan. I have 1 cr in cash. Can I retire with SWP in mutual fund? I dont spend unnecessarily so dont need much. Maybe 30-40k a month max. Is index or mutual fund better?

[@csuryavanshi5976]

If you are a Govt employee with pension, one crore is good amount, otherwise 1 cr is just peanuts in Metros or even in 2nd tier cities considering today's interest rates, inflation etc. God bless you in MFs, stocks, real estate.

[@ssd-zj6vx]

I am a government employee but with NPS I am worried if I will have a good retirement fund. I have around 35 yrs of service left till 60.

[@chahatchaudhari1432]

Good calculator sir

[@pushkarerande123]

Life is not so simple, such that we can simply filter our retirement down to 1 calculator. This is speculation at best. If invested in right instruments, and buy in bulk (whatever we need), remain fit, inflation cannot screw with us. Even PPF can bring us bigger corpus if retained for long term for compounding.

[@Jazzz848]

Yes I did my compounding through ppf without tension. I have retired and facing no financial issues

[@sudip_curiousmind]

It's not speculation, its just a tool for calculations, not a solution, but that doesn't mean it's not useful

[@JustChill76]

Let us look at things like this. You are from tier 2 city and you have your own house and your monthly expenses are 25000. Now if you have one crore and the same is even kept in bank FDs it will fetch you 50000 per month. So your monthly savings is 25000. So if you have sufficient medical cover and no other liability, one crore is sufficient

[@IdkIdk-gw3qo]

one question as i am just a kid but how long will the 1 crore in fd last if we get 50000 monthly?

[@gattunandakumar4566]

Thanks sir🙏

[@vutubeify]

You missed a field in the calculator for home ownership (zero outgoings) versus rentals

[@smithasatyen3229]

Can i get this calculator.

[@a_myth_sin]

does your calculator consider fall of interest rates in FD

[@sushantpatil9100]

Why not index fund which give around 12-13%

[@fghjjmmm]

Somehow my parents are making pension of 1 cr + per month who had very simple salary in rural area of bihar

[@apurbaghosh5046]

I am trying to retire, back in India already, this video is kinda helpful

[@gouthampai5055]

Thank you gaurav sir

[@haridasbadade9321]

Thank you so much sir...From..Pune.

[@rohangurung3169]

I m 17 years n my goal is to make 1 crore with in 20 year. no family fortune nothing going to start from scratch I. Don't know if I'll make it but I'll do my best 😊

[@csuryavanshi5976]

Live in NE India where almost everything is susidized by Govt of India.

[@being5411]

@@csuryavanshi5976 can you explain me ? I am from south and Does NE means North east India

[@AjayKumarSharma-ic4un]

sir, if I need a good car or a serious disease or some gift time to time to children then only their expanses will be more than 3 to 4 Cr and in next 30 yrs it will further grow, besides bare minimum need some aspiration need will also there, even by that time even mob or artificial intelligent equipment or home equipment may cost more than 2 Cr.

[@alishop7389]

Sir 90 ke baad ye jo 2 crores corpus tha wo rahega ya wo pura zero ho jayega. Please answer.

[@user-ji6lp1yi2h]

Good tool but it does not account for unexpected expenses such as illness and other family related contingencies. There is an inherent assumption that the expenditure pattern will remain constant (although a minor adjustment for annual inflation and incremental cost of living). By today’s living standard, for a person aged 50 years, expected to live up to 90 years, and earning simple interest on term deposits, Rs 1 Cr is just not enough!

[@umeshram8679]

आपका कैलकुलेटर डाउनलोड कैसे किया जा सकता है

[@vikasnarang83]

Caculator link me dal dete itna soch rahe ho hamare liye to....

[@aneesabdul1987]

WHERE IS TAX IN YOUR CALCULATOR?

[@naushabakhatoon2217]

Can you make a retirement plan for me

[@damanpreetsinghpunjabi]

tax kon bharega bhai?

[@vimalsonkar9784]

No this is very small amount. Rs 10 crore is sufficient amount for retirement.

[@samtos236]

What about critical illness or accident?

[@sagargheware4392]

Mere pass 9cr ki agree land and NRP premises hai... I'm from tier 3 city of Maharashtra. Can I retire?

[@akhandbha]

रुलाएगा क्या

[@sivaprasad1324]

Sir, can you add present age and consider retirement age also and improve calculator ?

[@InvestYadnya]

Sir, there is a separate Retirement calculator for it

[@rajpradeep87]

The word enough is not applicable even if 5 cr is there for some, can’t quantify it…1cr is enough for a peaceful life, provided you have an own house

[@jdlangthasa]

Many employee retired without money, you are retired with 1 crore. What a luck you are.

[@dhruvkadam99]

But medical expense ka kya?

[@InvestYadnya]

That should be planned separately

[@lokeshpandey943]

I am 54 year old working in private sector and want to retire next year please suggest

[@InvestYadnya]

Sir, you can check InvestYadnya.in and contact our relationship team for help.

[@a_myth_sin]

what about your dependents, can you calculate their expenses in future , I think not. So calculator is pretty much useless

[@InvestYadnya]

It is only Retirement calculator. For other goals you should choose other calculators

[@sureshpeshawaria347]

One crore can be more than enough or not enough - depends on what kind of life (spending) you want to live.. also life is totally unpredictable... you never know what's around the corner... so, no guarantee you'll survive well with whatever you have....

[@RJ-ug2bb]

I am in canada, I would like to come back to india and retire. My age is 40 yrs.

[@neerajnarang2217]

I am not brave enough to see the videos especially since I know the answer would be its not enough..but could someone tell me what he feels is good enough to retire😂

[@religionofpeace782]

Mahine ka kharcha 10000 kardo..sab theek hojayega😂

[@user-nk6tk7lv3r]

🙏🙏🙏👍

[@monishthomasp]

6 lacs expenses per month !!!???!!!

[@tasleem0708]

If u r unmarried, then 1 cr is enough, else 10 ro 15 cr

[@rajendraprasad1957]

Achaaa

[@sandy20243]

not good, lots of points you miss in your calculation

[@nikhilgatagat]

Mujhe to 10 cr chaiye mahine ka 1 lac kharcha hai bibi pe

[@RajeshSingh-ky2oq]

Bhai kam kyu kar rahe ho. Kam dhandha chhor ke baith jao.

[@ArindamDatta1994]

Ha ha, wife agar dekh liya apka comments, to mushkil ho jayega.

[@curiousforexistence]

Esa kya kharcha hai hame bhi batao...?1L 😮

[@SanjayPrasad-el2vw]

Bhai Teri wife liability hai...jaldi se piccha chhuda le uss se 😜😜😜🤣🤣🤣

[@narayantullu5928]

Why would one retire at 50. Generally at 58 or 60 a person retires. If he has 1 Cr to his credit, then at an average 8% interest, he can have 8 lakh by way of interest. Life expectancy is maximum upto 75-80 and not 90 as you quote. Out of 8 lakhs, one can spend 6 to 6.5 lacs per annum and balance 1.5 for taking care of inflation. In short, I request you to be some realistic and not frighten the viewers. Wise investment is certainly a must and views expressed by you are totally agreeable. But 1 Cr one person can certainly stay for his balance 20-25 years, taking care of inflation. ( it is presumed that one has his Medical insurance policy in place). Regards.

[@csuryavanshi5976]

You are assuming you are single & want to remain so till death.😢

[@sureshpeshawaria347]

Frighten the viewers ??? no one gives a damn about the calculator... all they want is to make a comment and sit back... don't worry - all will survive....

[@Jazzz848]

I am 59 years old retired with a monthly pension of 1.25lac per month with no liabilities. The pension gets revised & increased every 5 years while the dearness allowance gets added by 3% to 4% every six months. Do I need 1 Cr corpus or can I survive comfortably.

[@religionofpeace782]

😂😂😂 You are definitely a retd IAS officer or a retd bank GM or an ex army officer or a UGC scale retd lecturer. Nobody else gets a pension of 1.25, lacs per month in india. This video is not for affluent class people like you who can spend money wherever and whenever they wish. This is for people who wish to live a simple life with max 50000 pm spending.

[@Jazzz848]

@@religionofpeace782 you r right my friend I am a retired Army officer. I asked this because many KZbinrs and financial advisors keep telling that pension will not be enough in future due to high inflation etc etc.

[@religionofpeace782]

@@Jazzz848 My salutes to you sir for serving my country and keeping us safe! A pension of 1.25 lacs will not fall short if managed in the right way, i believe.

[@Jazzz848]

@@religionofpeace782 thank you friend

[@puneetshastri9831]

@@Jazzz848 ur 59,gettin 1.25 a month n gets bothered by every other utuber shitty calculations/projections😑 That's a very insecure lyf ur livin sir, remember one who clings to money(materialism) suffers Its high time u get ur acts straight n dwell into the world of Spirituality🙏

[@vivekgarg8609]

Return of 10% is not there, only 7% to 8% is possible.

[@sahilchamp]

Very confusing

[@bipra7682]

What a calculation!

[@lakshmihallmarking2570]

Sir abhi 25 lakhs ke 4 affordable flats Lele. Jo ki rent de 15000 each per month . To 7.2 lakh mileage .per year. Ismai Buddha or budhe to rock kardenge 😅

[@natvaryadav6227]

25lack vale ka rent 3/4 thousand hota hai

[@soumil]

1cr wont help, youll need more

[@bilalbaig3381]

5 crore one can retire

[@shaneward2588]

Don't understand life expectancy in these calculators😂. How do I know when will I die

[@InvestYadnya]

Right but we should take a conservative estimate

[@shaneward2588]

@@InvestYadnya Then shouldn't it be based on the average human life in India. What is the point of asking something which even doctors cannot predict.

[@SanjayPrasad-el2vw]

​@@shaneward2588 app ek number ke akhand hutiye ho. Average age khud hi daal le..why keep it fixed to a number? It is flexible now you can enter whatever number you want.

[@mannutomar]

Shane...Why this unnecessary argument??? No one can predict future...the calculator is just to give you an idea...if you think you will live 200 years then please accumulate corpus for 200 years!

[@shaneward2588]

@@mannutomar idea for what when you don't know the target end date. You accumulate 5 crores assuming you would live for another 25 years but end up living for another 45 years.

[@vivektiwari5064]

Don't have Job and money One can retire

[@stockrock8938]

Aarey bhai dus hazar ki naukri hai

[@pravinlatke9212]

90 saal kon jeeyega

[@abhishekkumar-by4xe]

Kaafi depress hua dekhne k baad

[@SanjayPrasad-el2vw]

1 crore ki koi value hi nahi even aaj ki date main. Jitna kamao saala pura hi nahi hota. Slaves ki tarah life gujaro BC

[@SABKABAAP.9]

SIR JEE EQUITY MEIN TO 15 PERCENT CAGAR TO MIL HI JATA HAI 1 CARORE ENOUGH HAI PER MONTH 60 HAZZAR AAP 90 SAAL TAK LE SAKTE HAI PLUS AAPKE PASS CARORE RUPAY BACHENGE

[@kalpeshzaveri9833]

Nothing new, same old math...and repetitive concept by every finfluencer like...Akshat shrivastav,Ankur warikoo,C A Rachana ranade, C A Rahul and many more...

[@sureshpeshawaria347]

Yes, this calculator will not make any difference to anyone... But it's human nature to mentally fly high and after a while, back on the ground.... back to normal - that is...😊😊😊

[@review2492]

Plzzz ager koi ameeer ho to 1ce mujhe bhej de yrrr apka ye donation meri life ko bahut accha bana sakt he plzzz koi bhej do

[@aspinaki]

SIlly MF

[@viky293]

Age Kam karle 😅

[@vihaanbhatia464]

Pl share your company’s email contact details.I need such financial planning for my close relatives.