Strategies and Challenges in Building Sustainable Retirement Income in India

Financial experts highlight varied approaches to retirement planning in India, emphasizing disciplined investing and strategic withdrawal plans. Starting a modest Rs 1,000 monthly SIP at age 25 can build a corpus of over Rs 27 lakh by 50, enabling systematic withdrawals for steady income. However, sustaining a monthly retirement income of Rs 50,000 may require savings exceeding Rs 1 crore, influenced by inflation, longevity, and investment strategies. Incremental income growth and realistic return assumptions are key to meeting retirement goals amid rising expenses and lifespan.