Retirement Planner

💡 Retirement Planning Tips

• Start early — investing ₹5K/month from age 25 vs 35 creates a massive difference
• Rule of 25: You need 25× your annual expenses as corpus (4% withdrawal rule)
• EPF + PPF + NPS form a strong debt foundation for retirement
• Diversify: equity for growth, debt for stability, gold as hedge
• Don't ignore healthcare costs — plan for ₹50-100L for medical expenses
• Inflation is the biggest retirement risk — equity must be part of your portfolio