Will your Rs 2 crore retirement corpus sustain for 20 years if you withdraw Rs 2 lakh/month? Determining the quantum of a withdrawal amount from a corpus is quite a big challenge as a wrong estimate can leave you short of funds during retirement. While withdrawing a low amount may be insufficient to meet your monthly expenses, investing in equity funds with expectations of a high withdrawal amount can be risky since market downturns may deplete your funds. Investing in low-risk instruments may not generate sufficient monthly income for you. In such a situation, what should be your monthly withdrawal amount from your Rs 2 crore retirement corpus to generate regular income for 20 years?
Monthly income from Rs 2 crore corpus
Here we present three monthly income withdrawal scenarios from Rs 2 crore retirement corpus to show how long your corpus will sustain or what will be the remaining corpus at the end of 20 years. The conditions are-
- Withdraw Rs 2 lakh/month
- Withdraw Rs 1 lakh/month
- Withdraw Rs 1 lakh/month with 5% increase every month
