Retirement Planning Update: How Much Fund You Need & Where to Invest Smartly

Today, young people are earning money quickly. There are also many easy investment options available. But still, a large number of Indian youth are delaying retirement planning. Experts say this delay can create serious money problems in the future. One expert says, “If you retire at 60 and live till 85, that means 25 years without a salary. The real question is not how many years you will live, but how many years your money will last.”

Retirement Planning is Often Ignored

Today, many young people earn money early and have easy ways to invest. But still, many of them delay saving for retirement. They first spend on buying a house, paying for children’s education, or other things. But people in cities are now living longer, and old family support is not the same as before.

Also, health costs are going up faster than other things. These costs become high when your income stops. So, if you don’t have a pension, you must build a strong money fund for your old age.

How Much Money Do You Need After Retirement?

Experts say people should start thinking about retirement when they are 30 years old. For example, if you spend ₹60,000 every month today, it may become ₹1.5 to ₹2 lakh in 25 years because of rising prices.

So, you may need ₹4 to ₹6 crore to live well for 20 to 25 years after retirement. To reach this goal, check how much you already have in savings like EPF, PPF, mutual funds, or land.

You can start saving with a SIP of ₹15,000 to ₹20,000 every month and increase it slowly. Also, make a plan on how to use this money after retirement.

There are many ways in India to build a retirement fund. You can choose the plan that works best for you or mix a few good ones. Some are safe and slow, and some grow faster but take time.

SIP is Now a Good Habit

Many people now treat SIP like rent or EMI. In March 2025, people put more than ₹7,000 crore in small and mid-size mutual funds. Even when the market goes up and down, people still believe in India’s future. If you stay regular with SIP, you can make good money for your retirement.