Retire at 50? Experts say you need Rs 3-4.8 Cr & smart planning.

• Retiring at 50 requires financial discipline, consistent investments, and controlling expenses.
• To calculate the required retirement fund, multiply annual expenses by 25-30; e.g., Rs 12 lakh annual expense needs Rs 3-3.6 crore.
• Account for inflation in retirement planning; 6% inflation can significantly increase future expenses and the required fund (e.g., Rs 4-4.8 crore).
• Invest in a diversified portfolio including equities for long-term growth and fixed-income assets for stability.
• Maintain a 10-15% buffer in the retirement fund, use a systematic withdrawal plan, and review your plan annually.

Why It Matters: It provides a financial roadmap for achieving early retirement at 50.