Experts: Rs 80 Lakh FDs Insufficient for Early Retirement Amid Inflation

• Rs 80 lakh in FDs is deemed insufficient for early retirement at 55, despite Rs 60,000 monthly expenses, due to inflation and increased life expectancy.
• Experts project monthly expenses of Rs 60,000 at age 50 will rise to Rs 80,000 by age 55 due to inflation.
• A corpus of over Rs 1.83 crore is needed to cover Rs 80,000 monthly expenses for 20 years, even with a 6.5% FD return.
• The Rs 80 lakh corpus would only cover 44-46% of retirement needs and risks depletion by age 70.
• Diversifying investments into equity mutual funds and debt/bonds for 9-11% annual returns is recommended over relying solely on FDs.

Why It Matters: Inflation makes FDs inadequate for early retirement; diversify investments.