Retirement and FIRE
How much is enough, when it is enough, and how the corpus pays out for the years after.
EPF after retirement: the tax on 3 years of interest
Your EPF can be withdrawn in full once you retire at 55 or later, and whatever you leave in keeps earning interest for three years after you retire, then turns inoperative and earns nothing. The…
Retirement and FIREHealthcare costs in retirement: ₹1.44 crore from 55 to 85
Plan healthcare costs in retirement as a separate corpus that pays your health premium and the medical bills insurance does not cover every year to 85, sized at medical inflation rather than general…
Retirement and FIREFIRE number in India: 25x or 33x of ₹12 lakh spending?
For a retirement that starts at 45, the more cautious FIRE number is 33 times a year's spending, a 3% first withdrawal, rather than the 4% rule's 25 times: on ₹12 lakh, ₹3.96 crore instead of ₹3…
Retirement and FIREWhen can I retire early? 4 numbers, worked at ₹38 lakh
You can work out when you could retire early from four numbers: the corpus you need (a year's spending times a multiple), what you have invested today, what you add each month, and the return you…
Your cash flow, net worth and goals, in one place
Dhi answers money questions from your own numbers.
