Rs 1 Crore Retirement Corpus: How Long Will It Last? Experts Weigh In

• A Rs 1 crore retirement corpus may seem substantial, but its longevity depends on income generation, inflation, and investment choices.
• Relying solely on FDs offers stability but limited income (Rs 45,000-47,000/month after tax at 7% interest) and no growth, making it vulnerable to inflation and reinvestment risk.
• Equities offer higher returns (large-cap funds 10.51% over 5 years) and potential for Rs 50,000-60,000/month income, but come with volatility and sequence of returns risk.
• Dividend income is often low (3% yield) and unreliable, not suitable as a primary income source.
• A sustainable withdrawal rate of 3-4% annually is recommended, and diversification across asset classes (equity and debt) is crucial to balance income, capital preservation, and inflation protection.