Post on 21-Nov-2015
description
Mutual Fund investments are subject to market risks,read the scheme information document carefully before investing.
How much will your current lifestyle cost at 60?
A guide to help you afford tomorrow, today.
1990 2011 2030
Rs.9Per Litre
Rs.71Per Litre ?
Retirement Ready Reckoner
For statutory details, risk factors and disclaimer, please refer to the inside front cover page.
Due to better healthcare & personal-care on one hand and improving standard of living on the other, people are getting healthier and living longer. It would
not be uncommon for people to easily live up to 85 years in the near future.
Moreover, inflation is a silent killer. It reduces the buying power of money and the return on your investments. Traditional retirement investments may not
beat the draining power of inflation. While they are certainly necessary, they may not be sufficient.
If one assumes that an average individual works up to the age of 55 years, it would mean that he/she would work for 30 productive years and further if
he/she continues to live up to 85 years, then he/she would lead a retired life for 30 years. Therefore, the challenge for an individual is how to fund these
unproductive retirement years. This is the 30-30 challenge.
It is vital to brace up to meet this challenge and avoid the throes of old age poverty. There has never been a greater need for building a voluntary retirement
corpus than now.
This guide can help you determine what it would cost you to maintain your current lifestyle after retirement; and how much you would need to save for it.
As people age, their asset allocation has to undergo change. When they are young they need to accumulate wealth because they have time on hand.
Equities is the wealth creation asset class. However it yields returns in the long-term. Therefore time is an essential ingredient.
As people approach middle-age the proportion of equity in their assets needs to reduce while the proportion of debt needs to increase.
When people reach old-age, a further decrease in proportion of equity is warranted with a consequent increase in the proportion of debt.
TRSF is a carefully structured suite of plans designed to meet the investment needs of investors. It works as a retirement solution by offering choice of asset
allocation to investors based on their life stage and risk preference.
The 30-30 Challenge
Asset allocation is the key to retirement planning
Presenting Tata Retirement Savings Fund (TRSF)
Instruments
Equity and Equity related instruments
Debt & Money Market instruments
Indicative allocations(% to total assets)**
Minimum MaximumRisk Profile
High
Low to Medium
85
0
100
15
Progressive Plan
Investment by the plan in securitised debt will not normally exceed 15% of the net asset of the plan.
Instruments
Equity and Equity related instruments
Debt & Money Market instruments
Indicative allocations(% to total assets)**
Minimum MaximumRisk Profile
High
Low to Medium
65
15
85
35
Moderate Plan
Investment by the plan in securitised debt will not normally exceed 15% of the net asset of the plan.
The Tata Retirement Savings Fund offers a unique Auto-Switch feature which takes away the hassles of adjusting the equity-debt proportion with
increasing age. So if you start an SIP or make a lump sum investment in the progressive option and opt for the Auto-Switch feature, then the fund will
do the needful asset allocation automatically as you cross different age brackets as explained below:
1) Progressive to Moderate switch happens once you attain the age of 45 years.
2) Moderate to Conservative switch happens once you attain the age of 60 years.
However the fund also provides the option of staying perpetually invested in a single plan of choice.
Once an investor retires he/she needs a regular flow of money to fund his/her expenses. While salary stops post retirement, annuities and pension form a
major part of his/her regular cash flow. The unique Auto-SWP is designed with an objective to provide the investor with regular cash flow after he/she
turns 60. There are 2 options of Auto-SWP facilities:
1) Monthly 1% of market value of investment as on date of completion of 60 years of age.
2) Quarterly 3% of market value of investment as on date of completion of 60 years of age.
Hence, to meet the 30-30 challenge and to avoid falling in to the old age poverty trap, it is advisable to star t your retirement planning with
Tata Retirement Savings Fund.
Unique Auto-Switch facility
Unique Auto-Systematic Withdrawal Plan (SWP) facility
Instruments
Equity and Equity related instruments
Debt & Money Market instruments
Indicative allocations(% to total assets)**
Minimum MaximumRisk Profile
High
Low to Medium
0
70
30
100
Conservative Plan
Investment by the plan in securitised debt will not normally exceed 25% of the net asset of the plan.
Instruments
All plans may also invest inother securities #
Indicative allocations(% to total assets)**
Minimum MaximumRisk Profile
Low0 10
** At the time of investments. # Other securities shall include: Domestic Exchange Traded Funds, Overseas Exchange Traded Funds/Foreign Securities/
Foreign Funds as may be permitted under the SEBI Regulations.
Age(Yrs.)
CurrentMonthlyExpense
(R)
CurrentMonthlyExpense
at theAge 60 (R)
RetirementCorpus
Required(R)
Required SIP (R)@ expected returns of
Required Lumpsum Investment (R)@ expected returns of
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
10,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
Yearsto
Retirement
35
34
33
32
31
30
29
28
27
26
25
24
23
22
21
20
19
18
17
16
15
14
13
12
11
10
9
8
7
6
5
4
3
2
1
0
1,06,766
99,781
93,253
87,153
81,451
76,123
71,143
66,488
62,139
58,074
54,274
50,724
47,405
44,304
41,406
38,697
36,165
33,799
31,588
29,522
27,590
25,785
24,098
22,522
21,049
19,672
18,385
17,182
16,058
15,007
14,026
13,108
12,250
11,449
10,700
10,000
2,33,81,457
2,18,51,829
2,04,22,270
1,90,86,234
1,78,37,602
1,66,70,656
1,55,80,052
1,45,60,796
1,36,08,221
1,27,17,963
1,18,85,947
1,11,08,362
1,03,81,647
97,02,473
90,67,732
84,74,516
79,20,108
74,01,970
69,17,729
64,65,168
60,42,213
56,46,928
52,77,503
49,32,245
46,09,575
43,08,014
40,26,182
37,62,786
35,16,623
32,86,563
30,71,555
28,70,612
26,82,815
25,07,303
23,43,274
21,89,976
8% 10% 12% 15%
15,81,394
15,96,174
16,11,091
16,26,148
16,41,346
16,56,685
16,72,168
16,87,796
17,03,570
17,19,491
17,35,561
17,51,781
17,68,153
17,84,678
18,01,357
18,18,192
18,35,185
18,52,336
18,69,647
18,87,121
19,04,757
19,22,559
19,40,527
19,58,663
19,76,968
19,95,444
20,14,093
20,32,916
20,51,916
20,71,092
20,90,448
21,09,985
21,29,705
21,49,609
21,69,698
21,89,976
8,32,008
8,55,335
8,79,317
9,03,971
9,29,316
9,55,371
9,82,157
10,09,694
10,38,004
10,67,106
10,97,025
11,27,783
11,59,403
11,91,910
12,25,328
12,59,683
12,95,001
13,31,309
13,68,636
14,07,009
14,46,458
14,87,013
15,28,705
15,71,565
16,15,628
16,60,926
17,07,494
17,55,368
18,04,584
18,55,179
19,07,194
19,60,666
20,15,638
20,72,152
21,30,249
21,89,976
4,42,834
4,63,527
4,85,187
5,07,859
5,31,591
5,56,432
5,82,433
6,09,650
6,38,138
6,67,958
6,99,171
7,31,842
7,66,040
8,01,837
8,39,306
8,78,526
9,19,578
9,62,549
10,07,528
10,54,609
11,03,890
11,55,473
12,09,467
12,65,985
13,25,143
13,87,065
14,51,881
15,19,726
15,90,742
16,65,075
17,42,883
18,24,326
19,09,575
19,98,807
20,92,209
21,89,976
1,75,569
1,88,695
2,02,803
2,17,966
2,34,263
2,51,778
2,70,602
2,90,834
3,12,579
3,35,949
3,61,067
3,88,063
4,17,077
4,48,260
4,81,775
5,17,795
5,56,509
5,98,117
6,42,836
6,90,899
7,42,555
7,98,073
8,57,742
9,21,872
9,90,797
10,64,875
11,44,492
12,30,062
13,22,029
14,20,872
15,27,105
16,41,282
17,63,994
18,95,882
20,37,630
21,89,976
8% 10% 12% 15%
10,193
10,373
10,562
10,759
10,967
11,186
11,417
11,662
11,923
12,201
12,498
12,818
13,162
13,536
13,943
14,387
14,877
15,418
16,021
16,697
17,461
18,333
19,337
20,508
21,890
23,548
25,574
28,108
31,367
35,714
41,803
50,943
66,184
96,683
1,88,216
0
6,158
6,379
6,611
6,853
7,107
7,375
7,657
7,954
8,269
8,603
8,958
9,337
9,743
10,179
10,650
11,160
11,716
12,325
12,997
13,743
14,578
15,522
16,599
17,842
19,298
21,031
23,132
25,741
29,075
33,498
39,665
48,884
64,210
94,805
1,86,484
0
3,636
3,836
4,049
4,275
4,515
4,770
5,042
5,331
5,640
5,971
6,326
6,707
7,118
7,562
8,043
8,567
9,139
9,767
10,461
11,232
12,095
13,069
14,179
15,459
16,953
18,727
20,873
23,528
26,912
31,387
37,609
46,888
62,280
92,954
1,84,764
0
1,593
1,730
1,878
2,040
2,216
2,408
2,617
2,845
3,094
3,366
3,665
3,991
4,350
4,744
5,179
5,660
6,193
6,787
7,450
8,196
9,038
9,997
11,098
12,374
13,871
15,653
17,813
20,490
23,902
28,412
34,678
44,009
59,465
90,229
1,82,209
0
ASSUMED MONTHLY EXPENSE - R 10,000
Inflation Rate - 7% Retirement Age - 60 yrs. Life Expectancy - 80 yrs. Expected Returns Post Retirement - 8%
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
15,000
15,000
15,000
15,000
15,000
15,000
15,000
15,000
15,000
15,000
15,000
15,000
15,000
15,000
15,000
15,000
15,000
15,000
15,000
15,000
15,000
15,000
15,000
15,000
15,000
15,000
15,000
15,000
15,000
15,000
15,000
15,000
15,000
15,000
15,000
15,000
35
34
33
32
31
30
29
28
27
26
25
24
23
22
21
20
19
18
17
16
15
14
13
12
11
10
9
8
7
6
5
4
3
2
1
0
1,60,149
1,49,672
1,39,880
1,30,729
1,22,177
1,14,184
1,06,714
99,733
93,208
87,110
81,411
76,086
71,108
66,456
62,108
58,045
54,248
50,699
47,382
44,282
41,385
38,678
36,148
33,783
31,573
29,507
27,577
25,773
24,087
22,511
21,038
19,662
18,376
17,174
16,050
15,000
3,50,72,185
3,27,77,743
3,06,33,405
2,86,29,351
2,67,56,402
2,50,05,984
2,33,70,078
2,18,41,194
2,04,12,331
1,90,76,945
1,78,28,921
1,66,62,543
1,55,72,470
1,45,53,710
1,36,01,598
1,27,11,774
1,18,80,163
1,11,02,956
1,03,76,594
96,97,752
90,63,319
84,70,392
79,16,254
73,98,368
69,14,363
64,62,021
60,39,272
56,44,180
52,74,934
49,29,845
46,07,332
43,05,918
40,24,222
37,60,955
35,14,911
32,84,964
8% 10% 12% 15%
23,72,091
23,94,260
24,16,637
24,39,222
24,62,018
24,85,028
25,08,252
25,31,694
25,55,355
25,79,237
26,03,342
26,27,672
26,52,230
26,77,017
27,02,036
27,27,288
27,52,777
27,78,504
28,04,471
28,30,681
28,57,136
28,83,838
29,10,790
29,37,994
29,65,452
29,93,166
30,21,140
30,49,375
30,77,873
31,06,639
31,35,673
31,64,978
31,94,557
32,24,413
32,54,548
32,84,964
12,48,012
12,83,003
13,18,975
13,55,956
13,93,973
14,33,057
14,73,236
15,14,542
15,57,005
16,00,660
16,45,538
16,91,675
17,39,105
17,87,865
18,37,992
18,89,524
19,42,502
19,96,964
20,52,954
21,10,513
21,69,687
22,30,519
22,93,057
23,57,348
24,23,442
24,91,389
25,61,241
26,33,051
27,06,875
27,82,769
28,60,791
29,41,000
30,23,458
31,08,227
31,95,374
32,84,964
6,64,251
6,95,290
7,27,781
7,61,789
7,97,387
8,34,648
8,73,650
9,14,475
9,57,207
10,01,937
10,48,756
10,97,763
11,49,061
12,02,755
12,58,959
13,17,788
13,79,367
14,43,824
15,11,292
15,81,913
16,55,835
17,33,210
18,14,201
18,98,977
19,87,714
20,80,598
21,77,822
22,79,590
23,86,112
24,97,613
26,14,324
27,36,489
28,64,362
29,98,210
31,38,314
32,84,964
2,63,353
2,83,043
3,04,205
3,26,949
3,51,394
3,77,667
4,05,903
4,36,251
4,68,868
5,03,924
5,41,600
5,82,094
6,25,615
6,72,390
7,22,662
7,76,693
8,34,763
8,97,176
9,64,254
10,36,348
11,13,832
11,97,109
12,86,613
13,82,808
14,86,195
15,97,313
17,16,738
18,45,092
19,83,043
21,31,308
22,90,658
24,61,922
26,45,991
28,43,822
30,56,445
32,84,964
8% 10% 12% 15%
15,289
15,560
15,842
16,139
16,450
16,778
17,125
17,493
17,884
18,301
18,747
19,226
19,744
20,304
20,914
21,581
22,315
23,127
24,031
25,045
26,192
27,499
29,006
30,761
32,835
35,322
38,362
42,162
47,050
53,571
62,705
76,414
99,276
1,45,025
2,82,324
0
9,238
9,569
9,916
10,279
10,661
11,062
11,485
11,931
12,403
12,904
13,437
14,006
14,615
15,269
15,975
16,740
17,574
18,488
19,495
20,614
21,867
23,283
24,898
26,763
28,947
31,546
34,698
38,611
43,612
50,247
59,498
73,327
96,315
1,42,208
2,79,726
0
5,454
5,755
6,074
6,412
6,772
7,155
7,562
7,997
8,461
8,957
9,489
10,061
10,677
11,343
12,065
12,850
13,708
14,650
15,691
16,847
18,142
19,603
21,268
23,188
25,430
28,091
31,309
35,292
40,368
47,081
56,414
70,332
93,420
1,39,432
2,77,147
0
2,390
2,595
2,817
3,060
3,324
3,612
3,926
4,268
4,641
5,050
5,497
5,987
6,525
7,116
7,769
8,490
9,290
10,180
11,176
12,294
13,558
14,996
16,647
18,561
20,806
23,480
26,720
30,735
35,852
42,619
52,016
66,013
89,198
1,35,344
2,73,314
0
ASSUMED MONTHLY EXPENSE - R 15,000
Inflation Rate - 7% Retirement Age - 60 yrs. Life Expectancy - 80 yrs. Expected Returns Post Retirement - 8%
Age(Yrs.)
CurrentMonthlyExpense
(R)
CurrentMonthlyExpense
at theAge 60 (R)
RetirementCorpus
Required(R)
Required SIP (R)@ expected returns of
Required Lumpsum Investment (R)@ expected returns of
Yearsto
Retirement
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
20,000
20,000
20,000
20,000
20,000
20,000
20,000
20,000
20,000
20,000
20,000
20,000
20,000
20,000
20,000
20,000
20,000
20,000
20,000
20,000
20,000
20,000
20,000
20,000
20,000
20,000
20,000
20,000
20,000
20,000
20,000
20,000
20,000
20,000
20,000
20,000
35
34
33
32
31
30
29
28
27
26
25
24
23
22
21
20
19
18
17
16
15
14
13
12
11
10
9
8
7
6
5
4
3
2
1
0
2,13,532
1,99,562
1,86,507
1,74,305
1,62,902
1,52,245
1,42,285
1,32,977
1,24,277
1,16,147
1,08,549
1,01,447
94,811
88,608
82,811
77,394
72,331
67,599
63,176
59,043
55,181
51,571
48,197
45,044
42,097
39,343
36,769
34,364
32,116
30,015
28,051
26,216
24,501
22,898
21,400
20,000
4,67,62,914
4,37,03,658
4,08,44,540
3,81,72,467
3,56,75,203
3,33,41,311
3,11,60,104
2,91,21,593
2,72,16,442
2,54,35,927
2,37,71,894
2,22,16,724
2,07,63,293
1,94,04,947
1,81,35,464
1,69,49,032
1,58,40,217
1,48,03,941
1,38,35,459
1,29,30,335
1,20,84,426
1,12,93,856
1,05,55,005
98,64,491
92,19,150
86,16,028
80,52,363
75,25,573
70,33,246
65,73,127
61,43,109
57,41,224
53,65,629
50,14,607
46,86,549
43,79,952
8% 10% 12% 15%
31,62,788
31,92,347
32,22,182
32,52,296
32,82,691
33,13,371
33,44,337
33,75,592
34,07,140
34,38,982
34,71,122
35,03,563
35,36,306
35,69,356
36,02,714
36,36,384
36,70,369
37,04,672
37,39,295
37,74,242
38,09,515
38,45,118
38,81,054
39,17,325
39,53,936
39,90,888
40,28,186
40,65,833
41,03,831
41,42,185
41,80,897
42,19,971
42,59,410
42,99,217
43,39,397
43,79,952
16,64,016
17,10,671
17,58,634
18,07,941
18,58,631
19,10,742
19,64,315
20,19,389
20,76,007
21,34,213
21,94,051
22,55,566
23,18,806
23,83,820
24,50,656
25,19,366
25,90,002
26,62,619
27,37,272
28,14,018
28,92,915
29,74,025
30,57,409
31,43,131
32,31,256
33,21,852
34,14,988
35,10,735
36,09,167
37,10,359
38,14,387
39,21,333
40,31,277
41,44,303
42,60,499
43,79,952
8,85,668
9,27,054
9,70,374
10,15,719
10,63,182
11,12,864
11,64,867
12,19,300
12,76,276
13,35,915
13,98,341
14,63,684
15,32,081
16,03,674
16,78,612
17,57,051
18,39,157
19,25,098
20,15,056
21,09,218
22,07,779
23,10,947
24,18,935
25,31,969
26,50,285
27,74,131
29,03,763
30,39,453
31,81,483
33,30,151
34,85,765
36,48,651
38,19,149
39,97,614
41,84,418
43,79,952
3,51,137
3,77,391
4,05,607
4,35,933
4,68,526
5,03,556
5,41,205
5,81,669
6,25,158
6,71,899
7,22,134
7,76,125
8,34,153
8,96,520
9,63,550
10,35,591
11,13,018
11,96,234
12,85,672
13,81,797
14,85,109
15,96,145
17,15,483
18,43,744
19,81,594
21,29,750
22,88,984
24,60,123
26,44,058
28,41,744
30,54,211
32,82,563
35,27,988
37,91,763
40,75,260
43,79,952
8% 10% 12% 15%
20,386
20,746
21,123
21,518
21,934
22,371
22,834
23,324
23,845
24,401
24,996
25,635
26,325
27,072
27,885
28,775
29,753
30,836
32,042
33,394
34,922
36,666
38,674
41,015
43,780
47,096
51,149
56,216
62,733
71,427
83,606
1,01,885
1,32,368
1,93,366
3,76,432
0
12,317
12,759
13,221
13,706
14,215
14,750
15,313
15,908
16,538
17,206
17,916
18,674
19,486
20,358
21,299
22,320
23,432
24,650
25,994
27,486
29,156
31,043
33,197
35,684
38,596
42,061
46,264
51,481
58,150
66,997
79,330
97,769
1,28,420
1,89,610
3,72,968
0
7,272
7,673
8,098
8,550
9,030
9,540
10,083
10,662
11,281
11,943
12,652
13,415
14,236
15,124
16,086
17,133
18,277
19,534
20,921
22,463
24,189
26,137
28,358
30,917
33,907
37,455
41,745
47,056
53,824
62,775
75,219
93,776
1,24,559
1,85,909
3,69,529
0
3,186
3,459
3,757
4,080
4,432
4,816
5,234
5,690
6,188
6,733
7,329
7,982
8,700
9,489
10,358
11,320
12,387
13,574
14,901
16,392
18,077
19,995
22,196
24,748
27,742
31,306
35,626
40,980
47,803
56,825
69,355
88,017
1,18,931
1,80,459
3,64,418
0
ASSUMED MONTHLY EXPENSE - R 20,000
Inflation Rate - 7% Retirement Age - 60 yrs. Life Expectancy - 80 yrs. Expected Returns Post Retirement - 8%
Age(Yrs.)
CurrentMonthlyExpense
(R)
CurrentMonthlyExpense
at theAge 60 (R)
RetirementCorpus
Required(R)
Required SIP (R)@ expected returns of
Required Lumpsum Investment (R)@ expected returns of
Yearsto
Retirement
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
25,000
25,000
25,000
25,000
25,000
25,000
25,000
25,000
25,000
25,000
25,000
25,000
25,000
25,000
25,000
25,000
25,000
25,000
25,000
25,000
25,000
25,000
25,000
25,000
25,000
25,000
25,000
25,000
25,000
25,000
25,000
25,000
25,000
25,000
25,000
25,000
35
34
33
32
31
30
29
28
27
26
25
24
23
22
21
20
19
18
17
16
15
14
13
12
11
10
9
8
7
6
5
4
3
2
1
0
2,66,915
2,49,453
2,33,133
2,17,882
2,03,628
1,90,306
1,77,856
1,66,221
1,55,347
1,45,184
1,35,686
1,26,809
1,18,513
1,10,760
1,03,514
96,742
90,413
84,498
78,970
73,804
68,976
64,463
60,246
56,305
52,621
49,179
45,961
42,955
40,145
37,518
35,064
32,770
30,626
28,623
26,750
25,000
5,84,53,642
5,46,29,572
5,10,55,675
4,77,15,584
4,45,94,004
4,16,76,639
3,89,50,130
3,64,01,991
3,40,20,552
3,17,94,908
2,97,14,868
2,77,70,904
2,59,54,116
2,42,56,183
2,26,69,330
2,11,86,290
1,98,00,271
1,85,04,926
1,72,94,324
1,61,62,919
1,51,05,532
1,41,17,320
1,31,93,757
1,23,30,614
1,15,23,938
1,07,70,036
1,00,65,454
94,06,966
87,91,557
82,16,409
76,78,886
71,76,529
67,07,037
62,68,259
58,58,186
54,74,940
8% 10% 12% 15%
39,53,485
39,90,434
40,27,728
40,65,370
41,03,364
41,41,713
41,80,421
42,19,490
42,58,925
42,98,728
43,38,903
43,79,453
44,20,383
44,61,695
45,03,393
45,45,481
45,87,962
46,30,840
46,74,119
47,17,802
47,61,894
48,06,397
48,51,317
48,96,656
49,42,419
49,88,610
50,35,233
50,82,291
51,29,789
51,77,731
52,26,121
52,74,963
53,24,262
53,74,022
54,24,246
54,74,940
20,80,020
21,38,339
21,98,292
22,59,927
23,23,289
23,88,428
24,55,393
25,24,236
25,95,009
26,67,766
27,42,563
28,19,458
28,98,508
29,79,774
30,63,320
31,49,207
32,37,503
33,28,274
34,21,590
35,17,522
36,16,144
37,17,531
38,21,761
39,28,914
40,39,070
41,52,315
42,68,735
43,88,419
45,11,459
46,37,948
47,67,984
49,01,666
50,39,096
51,80,379
53,25,623
54,74,940
11,07,085
11,58,817
12,12,968
12,69,649
13,28,978
13,91,080
14,56,083
15,24,125
15,95,345
16,69,894
17,47,927
18,29,606
19,15,101
20,04,592
20,98,264
21,96,314
22,98,946
24,06,373
25,18,820
26,36,522
27,59,724
28,88,683
30,23,668
31,64,961
33,12,857
34,67,663
36,29,704
37,99,316
39,76,854
41,62,688
43,57,206
45,60,814
47,73,936
49,97,017
52,30,523
54,74,940
4,38,922
4,71,738
5,07,009
5,44,916
5,85,657
6,29,445
6,76,506
7,27,086
7,81,447
8,39,873
9,02,667
9,70,157
10,42,692
11,20,650
12,04,437
12,94,488
13,91,272
14,95,293
16,07,090
17,27,247
18,56,387
19,95,182
21,44,354
23,04,680
24,76,992
26,62,188
28,61,230
30,75,154
33,05,072
35,52,180
38,17,764
41,03,204
44,09,986
47,39,704
50,94,075
54,74,940
8% 10% 12% 15%
25,482
25,933
26,404
26,898
27,417
27,964
28,542
29,155
29,806
30,501
31,245
32,044
32,906
33,840
34,857
35,969
37,192
38,545
40,052
41,742
43,653
45,832
48,343
51,269
54,725
58,870
63,936
70,270
78,417
89,284
1,04,508
1,27,357
1,65,461
2,41,708
4,70,540
0
15,396
15,948
16,526
17,132
17,768
18,437
19,142
19,885
20,672
21,507
22,395
23,343
24,358
25,448
26,624
27,900
29,290
30,813
32,492
34,357
36,445
38,804
41,496
44,605
48,245
52,577
57,830
64,351
72,687
83,746
99,163
1,22,211
1,60,525
2,37,013
4,66,209
0
9,089
9,591
10,123
10,687
11,287
11,925
12,604
13,328
14,101
14,928
15,815
16,769
17,795
18,905
20,108
21,416
22,847
24,417
26,152
28,079
30,236
32,672
35,447
38,647
42,384
46,818
52,182
58,820
67,279
78,468
94,024
1,17,220
1,55,699
2,32,386
4,61,911
0
3,983
4,324
4,696
5,100
5,540
6,020
6,543
7,113
7,736
8,416
9,161
9,978
10,874
11,861
12,948
14,150
15,483
16,967
18,626
20,490
22,596
24,993
27,745
30,935
34,677
39,133
44,533
51,225
59,754
71,031
86,694
1,10,022
1,48,664
2,25,574
4,55,523
0
ASSUMED MONTHLY EXPENSE - R 25,000
Inflation Rate - 7% Retirement Age - 60 yrs. Life Expectancy - 80 yrs. Expected Returns Post Retirement - 8%
Age(Yrs.)
CurrentMonthlyExpense
(R)
CurrentMonthlyExpense
at theAge 60 (R)
RetirementCorpus
Required(R)
Required SIP (R)@ expected returns of
Required Lumpsum Investment (R)@ expected returns of
Yearsto
Retirement
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
30,000
30,000
30,000
30,000
30,000
30,000
30,000
30,000
30,000
30,000
30,000
30,000
30,000
30,000
30,000
30,000
30,000
30,000
30,000
30,000
30,000
30,000
30,000
30,000
30,000
30,000
30,000
30,000
30,000
30,000
30,000
30,000
30,000
30,000
30,000
30,000
35
34
33
32
31
30
29
28
27
26
25
24
23
22
21
20
19
18
17
16
15
14
13
12
11
10
9
8
7
6
5
4
3
2
1
0
3,20,297
2,99,343
2,79,760
2,61,458
2,44,353
2,28,368
2,13,428
1,99,465
1,86,416
1,74,221
1,62,823
1,52,171
1,42,216
1,32,912
1,24,217
1,16,091
1,08,496
1,01,398
94,764
88,565
82,771
77,356
72,295
67,566
63,146
59,015
55,154
51,546
48,173
45,022
42,077
39,324
36,751
34,347
32,100
30,000
7,01,44,371
6,55,55,487
6,12,66,810
5,72,58,701
5,35,12,805
5,00,11,967
4,67,40,156
4,36,82,389
4,08,24,663
3,81,53,890
3,56,57,841
3,33,25,085
3,11,44,940
2,91,07,420
2,72,03,196
2,54,23,548
2,37,60,325
2,22,05,911
2,07,53,188
1,93,95,503
1,81,26,638
1,69,40,784
1,58,32,508
1,47,96,736
1,38,28,726
1,29,24,043
1,20,78,545
1,12,88,359
1,05,49,869
98,59,690
92,14,664
86,11,835
80,48,444
75,21,910
70,29,823
65,69,928
8% 10% 12% 15%
47,44,182
47,88,521
48,33,273
48,78,444
49,24,037
49,70,056
50,16,505
50,63,388
51,10,710
51,58,473
52,06,683
52,55,344
53,04,459
53,54,034
54,04,071
54,54,577
55,05,554
55,57,008
56,08,942
56,61,362
57,14,272
57,67,677
58,21,580
58,75,988
59,30,903
59,86,332
60,42,279
60,98,749
61,55,747
62,13,277
62,71,345
63,29,956
63,89,115
64,48,826
65,09,095
65,69,928
24,96,025
25,66,006
26,37,951
27,11,912
27,87,947
28,66,113
29,46,472
30,29,083
31,14,011
32,01,319
32,91,076
33,83,349
34,78,209
35,75,729
36,75,983
37,79,048
38,85,003
39,93,928
41,05,908
42,21,027
43,39,373
44,61,038
45,86,114
47,14,696
48,46,884
49,82,778
51,22,482
52,66,103
54,13,751
55,65,538
57,21,581
58,81,999
60,46,915
62,16,455
63,90,748
65,69,928
13,28,501
13,90,581
14,55,561
15,23,578
15,94,774
16,69,296
17,47,300
18,28,950
19,14,415
20,03,873
20,97,512
21,95,527
22,98,121
24,05,510
25,17,917
26,35,577
27,58,735
28,87,648
30,22,584
31,63,827
33,11,669
34,66,420
36,28,402
37,97,954
39,75,428
41,61,196
43,55,644
45,59,179
47,72,225
49,95,226
52,28,648
54,72,977
57,28,724
59,96,421
62,76,628
65,69,928
5,26,706
5,66,086
6,08,410
6,53,899
7,02,789
7,55,333
8,11,807
8,72,503
9,37,737
10,07,848
10,83,201
11,64,188
12,51,230
13,44,780
14,45,324
15,53,386
16,69,527
17,94,351
19,28,508
20,72,696
22,27,664
23,94,218
25,73,225
27,65,616
29,72,391
31,94,626
34,33,476
36,90,185
39,66,086
42,62,616
45,81,316
49,23,845
52,91,983
56,87,645
61,12,889
65,69,928
8% 10% 12% 15%
30,579
31,119
31,685
32,277
32,900
33,557
34,251
34,986
35,768
36,602
37,494
38,453
39,487
40,608
41,828
43,162
44,630
46,254
48,062
50,091
52,383
54,999
58,011
61,523
65,670
70,644
76,723
84,324
94,100
1,07,141
1,25,409
1,52,828
1,98,553
2,90,050
5,64,648
0
18,475
19,138
19,832
20,559
21,322
22,124
22,970
23,862
24,807
25,809
26,874
28,012
29,229
30,537
31,949
33,480
35,148
36,975
38,990
41,229
43,734
46,565
49,796
53,526
57,895
63,092
69,396
77,222
87,225
1,00,495
1,18,996
1,46,653
1,92,630
2,84,415
5,59,451
0
10,907
11,509
12,148
12,825
13,544
14,310
15,125
15,993
16,921
17,914
18,979
20,122
21,354
22,686
24,129
25,700
27,416
29,301
31,382
33,695
36,284
39,206
42,537
46,376
50,860
56,182
62,618
70,584
80,735
94,162
1,12,828
1,40,664
1,86,839
2,78,863
5,54,293
0
4,779
5,189
5,635
6,120
6,648
7,224
7,851
8,535
9,283
10,099
10,994
11,973
13,049
14,233
15,538
16,980
18,580
20,361
22,351
24,588
27,115
29,992
33,294
37,122
41,613
46,959
53,440
61,470
71,705
85,237
1,04,033
1,32,026
1,78,396
2,70,688
5,46,627
0
ASSUMED MONTHLY EXPENSE - R 30,000
Inflation Rate - 7% Retirement Age - 60 yrs. Life Expectancy - 80 yrs. Expected Returns Post Retirement - 8%
Age(Yrs.)
CurrentMonthlyExpense
(R)
CurrentMonthlyExpense
at theAge 60 (R)
RetirementCorpus
Required(R)
Required SIP (R)@ expected returns of
Required Lumpsum Investment (R)@ expected returns of
Yearsto
Retirement
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
35,000
35,000
35,000
35,000
35,000
35,000
35,000
35,000
35,000
35,000
35,000
35,000
35,000
35,000
35,000
35,000
35,000
35,000
35,000
35,000
35,000
35,000
35,000
35,000
35,000
35,000
35,000
35,000
35,000
35,000
35,000
35,000
35,000
35,000
35,000
35,000
35
34
33
32
31
30
29
28
27
26
25
24
23
22
21
20
19
18
17
16
15
14
13
12
11
10
9
8
7
6
5
4
3
2
1
0
3,73,680
3,49,234
3,26,387
3,05,034
2,85,079
2,66,429
2,48,999
2,32,709
2,17,485
2,03,257
1,89,960
1,77,533
1,65,919
1,55,064
1,44,920
1,35,439
1,26,578
1,18,298
1,10,559
1,03,326
96,566
90,249
84,345
78,827
73,670
68,850
64,346
60,137
56,202
52,526
49,089
45,878
42,877
40,072
37,450
35,000
8,18,35,099
7,64,81,401
7,14,77,945
6,68,01,818
6,24,31,606
5,83,47,295
5,45,30,182
5,09,62,787
4,76,28,773
4,45,12,872
4,16,00,815
3,88,79,266
3,63,35,763
3,39,58,657
3,17,37,062
2,96,60,806
2,77,20,379
2,59,06,897
2,42,12,053
2,26,28,087
2,11,47,745
1,97,64,247
1,84,71,259
1,72,62,859
1,61,33,513
1,50,78,050
1,40,91,635
1,31,69,753
1,23,08,180
1,15,02,972
1,07,50,441
1,00,47,141
93,89,852
87,75,562
82,01,460
76,64,916
8% 10% 12% 15%
55,34,880
55,86,607
56,38,819
56,91,518
57,44,710
57,98,399
58,52,589
59,07,286
59,62,495
60,18,219
60,74,464
61,31,235
61,88,536
62,46,373
63,04,750
63,63,673
64,23,146
64,83,176
65,43,766
66,04,923
66,66,651
67,28,956
67,91,844
68,55,319
69,19,387
69,84,054
70,49,326
71,15,208
71,81,705
72,48,824
73,16,570
73,84,949
74,53,967
75,23,630
75,93,944
76,64,916
29,12,029
29,93,674
30,77,609
31,63,897
32,52,605
33,43,799
34,37,550
35,33,930
36,33,013
37,34,873
38,39,589
39,47,241
40,57,911
41,71,684
42,88,647
44,08,890
45,32,504
46,59,583
47,90,226
49,24,531
50,62,602
52,04,544
53,50,466
55,00,479
56,54,698
58,13,241
59,76,229
61,43,787
63,16,042
64,93,128
66,75,178
68,62,333
70,54,734
72,52,531
74,55,873
76,64,916
15,49,918
16,22,344
16,98,155
17,77,508
18,60,569
19,47,512
20,38,517
21,33,775
22,33,484
23,37,852
24,47,097
25,61,448
26,81,142
28,06,429
29,37,570
30,74,840
32,18,524
33,68,922
35,26,349
36,91,131
38,63,614
40,44,157
42,33,136
44,30,946
46,38,000
48,54,728
50,81,585
53,19,042
55,67,596
58,27,764
61,00,089
63,85,140
66,83,511
69,95,824
73,22,732
76,64,916
6,14,491
6,60,434
7,09,812
7,62,882
8,19,920
8,81,222
9,47,108
10,17,920
10,94,026
11,75,822
12,63,734
13,58,219
14,59,768
15,68,910
16,86,212
18,12,284
19,47,781
20,93,410
22,49,926
24,18,145
25,98,941
27,93,255
30,02,096
32,26,552
34,67,789
37,27,063
40,05,722
43,05,215
46,27,101
49,73,052
53,44,869
57,44,486
61,73,980
66,35,586
71,31,704
76,64,916
8% 10% 12% 15%
35,675
36,306
36,965
37,657
38,384
39,150
39,959
40,817
41,729
42,702
43,743
44,862
46,069
47,376
48,799
50,356
52,068
53,963
56,073
58,439
61,114
64,165
67,680
71,777
76,615
82,418
89,511
98,378
1,09,783
1,24,998
1,46,311
1,78,299
2,31,645
3,38,391
6,58,756
0
21,555
22,328
23,137
23,985
24,876
25,812
26,798
27,839
28,941
30,110
31,353
32,680
34,101
35,627
37,274
39,060
41,006
43,138
45,489
48,100
51,024
54,326
58,095
62,448
67,544
73,607
80,961
90,092
1,01,762
1,17,244
1,38,828
1,71,095
2,24,735
3,31,818
6,52,693
0
12,725
13,427
14,172
14,962
15,802
16,695
17,645
18,659
19,742
20,900
22,142
23,476
24,914
26,467
28,151
29,983
31,985
34,184
36,612
39,311
42,331
45,740
49,626
54,105
59,337
65,546
73,054
82,348
94,191
1,09,856
1,31,633
1,64,108
2,17,979
3,25,341
6,46,675
0
5,576
6,054
6,574
7,140
7,756
8,428
9,160
9,958
10,830
11,783
12,826
13,969
15,224
16,605
18,127
19,810
21,677
23,754
26,076
28,686
31,634
34,991
38,843
43,309
48,548
54,786
62,346
71,715
83,656
99,443
1,21,372
1,54,030
2,08,129
3,15,803
6,37,732
0
ASSUMED MONTHLY EXPENSE - R 35,000
Inflation Rate - 7% Retirement Age - 60 yrs. Life Expectancy - 80 yrs. Expected Returns Post Retirement - 8%
Age(Yrs.)
CurrentMonthlyExpense
(R)
CurrentMonthlyExpense
at theAge 60 (R)
RetirementCorpus
Required(R)
Required SIP (R)@ expected returns of
Required Lumpsum Investment (R)@ expected returns of
Yearsto
Retirement
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
40,000
40,000
40,000
40,000
40,000
40,000
40,000
40,000
40,000
40,000
40,000
40,000
40,000
40,000
40,000
40,000
40,000
40,000
40,000
40,000
40,000
40,000
40,000
40,000
40,000
40,000
40,000
40,000
40,000
40,000
40,000
40,000
40,000
40,000
40,000
40,000
35
34
33
32
31
30
29
28
27
26
25
24
23
22
21
20
19
18
17
16
15
14
13
12
11
10
9
8
7
6
5
4
3
2
1
0
4,27,063
3,99,125
3,73,014
3,48,611
3,25,805
3,04,490
2,84,570
2,65,954
2,48,555
2,32,294
2,17,097
2,02,895
1,89,621
1,77,216
1,65,622
1,54,787
1,44,661
1,35,197
1,26,353
1,18,087
1,10,361
1,03,141
96,394
90,088
84,194
78,686
73,538
68,727
64,231
60,029
56,102
52,432
49,002
45,796
42,800
40,000
9,35,25,828
8,74,07,316
8,16,89,080
7,63,44,935
7,13,50,406
6,66,82,623
6,23,20,208
5,82,43,185
5,44,32,883
5,08,71,854
4,75,43,788
4,44,33,447
4,15,26,586
3,88,09,894
3,62,70,929
3,38,98,064
3,16,80,434
2,96,07,882
2,76,70,918
2,58,60,671
2,41,68,851
2,25,87,711
2,11,10,011
1,97,28,982
1,84,38,301
1,72,32,057
1,61,04,726
1,50,51,146
1,40,66,491
1,31,46,254
1,22,86,218
1,14,82,447
1,07,31,259
1,00,29,214
93,73,097
87,59,904
8% 10% 12% 15%
63,25,577
63,84,694
64,44,364
65,04,592
65,65,382
66,26,741
66,88,673
67,51,184
68,14,279
68,77,964
69,42,244
70,07,125
70,72,612
71,38,711
72,05,428
72,72,769
73,40,739
74,09,344
74,78,590
75,48,483
76,19,030
76,90,236
77,62,107
78,34,650
79,07,871
79,81,777
80,56,373
81,31,666
82,07,663
82,84,370
83,61,794
84,39,941
85,18,819
85,98,434
86,78,794
87,59,904
33,28,033
34,21,342
35,17,267
36,15,882
37,17,262
38,21,485
39,28,629
40,38,778
41,52,014
42,68,426
43,88,101
45,11,132
46,37,613
47,67,639
49,01,311
50,38,731
51,80,004
53,25,238
54,74,544
56,28,035
57,85,831
59,48,050
61,14,818
62,86,262
64,62,512
66,43,704
68,29,976
70,21,471
72,18,334
74,20,717
76,28,775
78,42,666
80,62,554
82,88,607
85,20,997
87,59,904
17,71,335
18,54,108
19,40,748
20,31,438
21,26,365
22,25,728
23,29,733
24,38,600
25,52,553
26,71,831
27,96,683
29,27,369
30,64,162
32,07,347
33,57,223
35,14,103
36,78,313
38,50,197
40,30,113
42,18,436
44,15,559
46,21,893
48,37,870
50,63,938
53,00,571
55,48,261
58,07,526
60,78,905
63,62,966
66,60,301
69,71,530
72,97,303
76,38,298
79,95,228
83,68,837
87,59,904
7,02,275
7,54,781
8,11,214
8,71,865
9,37,051
10,07,111
10,82,409
11,63,337
12,50,316
13,43,797
14,44,268
15,52,251
16,68,307
17,93,040
19,27,099
20,71,181
22,26,036
23,92,468
25,71,345
27,63,595
29,70,219
31,92,291
34,30,967
36,87,488
39,63,188
42,59,501
45,77,968
49,20,246
52,88,115
56,83,488
61,08,422
65,65,126
70,55,977
75,83,527
81,50,519
87,59,904
8% 10% 12% 15%
40,772
41,492
42,246
43,036
43,867
44,743
45,668
46,648
47,690
48,802
49,992
51,271
52,650
54,144
55,771
57,550
59,507
61,672
64,083
66,787
69,844
73,331
77,349
82,030
87,559
94,192
1,02,298
1,12,432
1,25,467
1,42,855
1,67,212
2,03,770
2,64,737
3,86,733
7,52,864
0
24,634
25,517
26,442
27,412
28,429
29,499
30,626
31,817
33,076
34,412
35,833
37,349
38,972
40,716
42,599
44,640
46,863
49,300
51,987
54,972
58,313
62,087
66,394
71,369
77,193
84,122
92,527
1,02,962
1,16,300
1,33,993
1,58,661
1,95,537
2,56,840
3,79,221
7,45,935
0
14,543
15,346
16,197
17,100
18,059
19,080
20,166
21,325
22,562
23,886
25,305
26,830
28,473
30,248
32,172
34,266
36,555
39,068
41,843
44,926
48,378
52,275
56,715
61,834
67,814
74,909
83,491
94,112
1,07,647
1,25,549
1,50,438
1,87,552
2,49,119
3,71,818
7,39,057
0
6,372
6,919
7,513
8,160
8,864
9,632
10,468
11,380
12,377
13,466
14,658
15,965
17,399
18,977
20,717
22,640
24,773
27,148
29,802
32,783
36,153
39,989
44,392
49,495
55,484
62,613
71,253
81,960
95,606
1,13,650
1,38,711
1,76,035
2,37,862
3,60,918
7,28,836
0
ASSUMED MONTHLY EXPENSE - R 40,000
Inflation Rate - 7% Retirement Age - 60 yrs. Life Expectancy - 80 yrs. Expected Returns Post Retirement - 8%
Age(Yrs.)
CurrentMonthlyExpense
(R)
CurrentMonthlyExpense
at theAge 60 (R)
RetirementCorpus
Required(R)
Required SIP (R)@ expected returns of
Required Lumpsum Investment (R)@ expected returns of
Yearsto
Retirement
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
45,000
45,000
45,000
45,000
45,000
45,000
45,000
45,000
45,000
45,000
45,000
45,000
45,000
45,000
45,000
45,000
45,000
45,000
45,000
45,000
45,000
45,000
45,000
45,000
45,000
45,000
45,000
45,000
45,000
45,000
45,000
45,000
45,000
45,000
45,000
45,000
35
34
33
32
31
30
29
28
27
26
25
24
23
22
21
20
19
18
17
16
15
14
13
12
11
10
9
8
7
6
5
4
3
2
1
0
4,80,446
4,49,015
4,19,640
3,92,187
3,66,530
3,42,551
3,20,142
2,99,198
2,79,624
2,61,331
2,44,234
2,28,257
2,13,324
1,99,368
1,86,325
1,74,136
1,62,744
1,52,097
1,42,147
1,32,847
1,24,156
1,16,034
1,08,443
1,01,349
94,718
88,522
82,731
77,318
72,260
67,533
63,115
58,986
55,127
51,521
48,150
45,000
10,52,16,556
9,83,33,230
9,19,00,215
8,58,88,052
8,02,69,207
7,50,17,951
7,01,10,234
6,55,23,583
6,12,36,994
5,72,30,835
5,34,86,762
4,99,87,628
4,67,17,409
4,36,61,130
4,08,04,795
3,81,35,322
3,56,40,488
3,33,08,867
3,11,29,782
2,90,93,255
2,71,89,958
2,54,11,175
2,37,48,762
2,21,95,105
2,07,43,088
1,93,86,064
1,81,17,817
1,69,32,539
1,58,24,803
1,47,89,535
1,38,21,996
1,29,17,753
1,20,72,666
1,12,82,866
1,05,44,734
98,54,892
8% 10% 12% 15%
71,16,274
71,82,781
72,49,910
73,17,666
73,86,055
74,55,084
75,24,757
75,95,082
76,66,064
77,37,710
78,10,025
78,83,016
79,56,689
80,31,050
81,06,107
81,81,865
82,58,331
83,35,512
84,13,414
84,92,044
85,71,409
86,51,515
87,32,370
88,13,981
88,96,355
89,79,499
90,63,419
91,48,124
92,33,620
93,19,916
94,07,018
94,94,934
95,83,672
96,73,239
97,63,643
98,54,892
37,44,037
38,49,010
39,56,926
40,67,868
41,81,920
42,99,170
44,19,708
45,43,625
46,71,016
48,01,979
49,36,614
50,75,024
52,17,314
53,63,594
55,13,975
56,68,573
58,27,505
59,90,893
61,58,861
63,31,540
65,09,060
66,91,557
68,79,170
70,72,044
72,70,326
74,74,167
76,83,723
78,99,154
81,20,626
83,48,307
85,82,372
88,22,999
90,70,373
93,24,682
95,86,122
98,54,892
19,92,752
20,85,871
21,83,342
22,85,367
23,92,160
25,03,943
26,20,950
27,43,424
28,71,622
30,05,810
31,46,268
32,93,290
34,47,182
36,08,265
37,76,876
39,53,365
41,38,102
43,31,471
45,33,877
47,45,740
49,67,504
51,99,630
54,42,603
56,96,931
59,63,142
62,41,794
65,33,466
68,38,769
71,58,337
74,92,839
78,42,972
82,09,466
85,93,085
89,94,631
94,14,941
98,54,892
7,90,059
8,49,129
9,12,615
9,80,848
10,54,183
11,33,000
12,17,710
13,08,754
14,06,605
15,11,772
16,24,801
17,46,282
18,76,845
20,17,170
21,67,986
23,30,079
25,04,290
26,91,527
28,92,763
31,09,044
33,41,496
35,91,327
38,59,838
41,48,424
44,58,586
47,91,939
51,50,214
55,35,277
59,49,130
63,93,924
68,71,975
73,85,767
79,37,974
85,31,467
91,69,334
98,54,892
8% 10% 12% 15%
45,868
46,679
47,527
48,416
49,351
50,335
51,376
52,479
53,652
54,902
56,241
57,679
59,231
60,912
62,742
64,744
66,945
69,381
72,094
75,136
78,575
82,498
87,017
92,284
98,504
1,05,966
1,15,085
1,26,486
1,41,150
1,60,712
1,88,114
2,29,242
2,97,829
4,35,074
8,46,972
0
27,713
28,707
29,748
30,838
31,983
33,187
34,455
35,794
37,210
38,713
40,312
42,017
43,844
45,806
47,924
50,220
52,721
55,463
58,486
61,843
65,602
69,848
74,693
80,290
86,842
94,638
1,04,093
1,15,833
1,30,837
1,50,742
1,78,493
2,19,980
2,88,945
4,26,623
8,39,177
0
16,361
17,264
18,221
19,237
20,317
21,465
22,687
23,990
25,382
26,871
28,468
30,183
32,032
34,029
36,194
38,550
41,124
43,951
47,073
50,542
54,426
58,809
63,805
69,564
76,291
84,273
93,927
1,05,876
1,21,103
1,41,243
1,69,243
2,10,996
2,80,259
4,18,295
8,31,440
0
7,169
7,784
8,452
9,180
9,972
10,836
11,777
12,803
13,924
15,149
16,490
17,960
19,574
21,349
23,307
25,470
27,870
30,541
33,527
36,881
40,673
44,988
49,941
55,682
62,419
70,439
80,159
92,205
1,07,557
1,27,856
1,56,049
1,98,039
2,67,595
4,06,033
8,19,941
0
ASSUMED MONTHLY EXPENSE - R 45,000
Inflation Rate - 7% Retirement Age - 60 yrs. Life Expectancy - 80 yrs. Expected Returns Post Retirement - 8%
Age(Yrs.)
CurrentMonthlyExpense
(R)
CurrentMonthlyExpense
at theAge 60 (R)
RetirementCorpus
Required(R)
Required SIP (R)@ expected returns of
Required Lumpsum Investment (R)@ expected returns of
Yearsto
Retirement
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
35
34
33
32
31
30
29
28
27
26
25
24
23
22
21
20
19
18
17
16
15
14
13
12
11
10
9
8
7
6
5
4
3
2
1
0
5,33,829
4,98,906
4,66,267
4,35,764
4,07,256
3,80,613
3,55,713
3,32,442
3,10,693
2,90,368
2,71,372
2,53,618
2,37,026
2,21,520
2,07,028
1,93,484
1,80,826
1,68,997
1,57,941
1,47,608
1,37,952
1,28,927
1,20,492
1,12,610
1,05,243
98,358
91,923
85,909
80,289
75,037
70,128
65,540
61,252
57,245
53,500
50,000
11,69,07,285
10,92,59,145
10,21,11,350
9,54,31,168
8,91,88,008
8,33,53,278
7,79,00,260
7,28,03,981
6,80,41,104
6,35,89,817
5,94,29,735
5,55,41,809
5,19,08,233
4,85,12,367
4,53,38,661
4,23,72,580
3,96,00,542
3,70,09,852
3,45,88,647
3,23,25,838
3,02,11,064
2,82,34,639
2,63,87,513
2,46,61,227
2,30,47,876
2,15,40,071
2,01,30,908
1,88,13,932
1,75,83,114
1,64,32,817
1,53,57,773
1,43,53,059
1,34,14,074
1,25,36,517
1,17,16,371
1,09,49,880
8% 10% 12% 15%
79,06,971
79,80,868
80,55,455
81,30,740
82,06,728
82,83,426
83,60,842
84,38,980
85,17,849
85,97,455
86,77,805
87,58,906
88,40,765
89,23,389
90,06,786
90,90,961
91,75,923
92,61,680
93,48,237
94,35,604
95,23,787
96,12,795
97,02,634
97,93,313
98,84,839
99,77,221
1,00,70,466
1,01,64,582
1,02,59,578
1,03,55,462
1,04,52,242
1,05,49,927
1,06,48,524
1,07,48,043
1,08,48,492
1,09,49,880
41,60,041
42,76,677
43,96,584
45,19,853
46,46,578
47,76,856
49,10,786
50,48,472
51,90,018
53,35,532
54,85,127
56,38,915
57,97,016
59,59,549
61,26,639
62,98,414
64,75,005
66,56,547
68,43,179
70,35,044
72,32,289
74,35,063
76,43,523
78,57,827
80,78,140
83,04,630
85,37,470
87,76,838
90,22,918
92,75,897
95,35,969
98,03,332
1,00,78,192
1,03,60,758
1,06,51,247
1,09,49,880
22,14,169
23,17,635
24,25,936
25,39,297
26,57,956
27,82,159
29,12,167
30,48,249
31,90,691
33,39,789
34,95,854
36,59,211
38,30,202
40,09,184
41,96,529
43,92,628
45,97,891
48,12,746
50,37,641
52,73,044
55,19,448
57,77,367
60,47,337
63,29,923
66,25,714
69,35,326
72,59,407
75,98,632
79,53,708
83,25,377
87,14,413
91,21,628
95,47,873
99,94,035
1,04,61,046
1,09,49,880
8,77,844
9,43,477
10,14,017
10,89,831
11,71,314
12,58,889
13,53,012
14,54,171
15,62,895
16,79,746
18,05,335
19,40,313
20,85,383
22,41,300
24,08,874
25,88,976
27,82,545
29,90,586
32,14,181
34,54,493
37,12,773
39,90,364
42,88,709
46,09,360
49,53,985
53,24,376
57,22,460
61,50,308
66,10,144
71,04,360
76,35,527
82,06,408
88,19,971
94,79,408
1,01,88,149
1,09,49,880
8% 10% 12% 15%
50,965
51,865
52,808
53,796
54,834
55,928
57,085
58,310
59,613
61,003
62,490
64,088
65,812
67,680
69,713
71,937
74,384
77,090
80,104
83,484
87,306
91,664
96,686
1,02,538
1,09,449
1,17,740
1,27,872
1,40,540
1,56,833
1,78,568
2,09,015
2,54,713
3,30,921
4,83,416
9,41,080
0
30,792
31,897
33,053
34,265
35,537
36,874
38,283
39,771
41,345
43,014
44,791
46,686
48,715
50,896
53,249
55,800
58,579
61,625
64,984
68,715
72,891
77,608
82,993
89,211
96,491
1,05,153
1,15,659
1,28,703
1,45,375
1,67,492
1,98,326
2,44,422
3,21,050
4,74,026
9,32,419
0
18,179
19,182
20,246
21,375
22,574
23,850
25,208
26,656
28,202
29,857
31,631
33,537
35,591
37,810
40,215
42,833
45,693
48,835
52,303
56,158
60,473
65,343
70,894
77,293
84,767
93,637
1,04,363
1,17,641
1,34,559
1,56,937
1,88,047
2,34,441
3,11,398
4,64,772
9,23,822
0
7,965
8,648
9,392
10,200
11,081
12,040
13,085
14,226
15,471
16,832
18,323
19,956
21,749
23,721
25,896
28,300
30,967
33,935
37,252
40,979
45,192
49,987
55,490
61,869
69,355
78,266
89,066
1,02,449
1,19,508
1,42,062
1,73,388
2,20,043
2,97,327
4,51,147
9,11,045
0
ASSUMED MONTHLY EXPENSE - R 50,000
Inflation Rate - 7% Retirement Age - 60 yrs. Life Expectancy - 80 yrs. Expected Returns Post Retirement - 8%
Age(Yrs.)
CurrentMonthlyExpense
(R)
CurrentMonthlyExpense
at theAge 60 (R)
RetirementCorpus
Required(R)
Required SIP (R)@ expected returns of
Required Lumpsum Investment (R)@ expected returns of
Yearsto
Retirement
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
55,000
55,000
55,000
55,000
55,000
55,000
55,000
55,000
55,000
55,000
55,000
55,000
55,000
55,000
55,000
55,000
55,000
55,000
55,000
55,000
55,000
55,000
55,000
55,000
55,000
55,000
55,000
55,000
55,000
55,000
55,000
55,000
55,000
55,000
55,000
55,000
35
34
33
32
31
30
29
28
27
26
25
24
23
22
21
20
19
18
17
16
15
14
13
12
11
10
9
8
7
6
5
4
3
2
1
0
5,87,212
5,48,796
5,12,894
4,79,340
4,47,981
4,18,674
3,91,284
3,65,686
3,41,763
3,19,404
2,98,509
2,78,980
2,60,729
2,43,672
2,27,731
2,12,833
1,98,909
1,85,896
1,73,735
1,62,369
1,51,747
1,41,819
1,32,541
1,23,871
1,15,767
1,08,193
1,01,115
94,500
88,318
82,540
77,140
72,094
67,377
62,970
58,850
55,000
12,85,98,013
12,01,85,059
11,23,22,485
10,49,74,285
9,81,06,809
9,16,88,606
8,56,90,286
8,00,84,380
7,48,45,215
6,99,48,799
6,53,72,709
6,10,95,990
5,70,99,056
5,33,63,604
4,98,72,527
4,66,09,838
4,35,60,596
4,07,10,838
3,80,47,512
3,55,58,422
3,32,32,170
3,10,58,103
2,90,26,265
2,71,27,350
2,53,52,664
2,36,94,078
2,21,43,998
2,06,95,326
1,93,41,426
1,80,76,099
1,68,93,550
1,57,88,365
1,47,55,481
1,37,90,169
1,28,88,009
1,20,44,868
8% 10% 12% 15%
86,97,668
87,78,954
88,61,001
89,43,814
90,27,401
91,11,769
91,96,926
92,82,878
93,69,634
94,57,201
95,45,586
96,34,797
97,24,842
98,15,728
99,07,464
1,00,00,057
1,00,93,516
1,01,87,848
1,02,83,061
1,03,79,165
1,04,76,166
1,05,74,074
1,06,72,897
1,07,72,644
1,08,73,323
1,09,74,943
1,10,77,512
1,11,81,040
1,12,85,536
1,13,91,008
1,14,97,466
1,16,04,919
1,17,13,377
1,18,22,847
1,19,33,341
1,20,44,868
45,76,045
47,04,345
48,36,243
49,71,838
51,11,236
52,54,541
54,01,865
55,53,319
57,09,020
58,69,086
60,33,639
62,02,807
63,76,717
65,55,504
67,39,303
69,28,255
71,22,506
73,22,202
75,27,497
77,38,549
79,55,517
81,78,569
84,07,875
86,43,610
88,85,954
91,35,093
93,91,217
96,54,522
99,25,210
1,02,03,487
1,04,89,566
1,07,83,666
1,10,86,011
1,13,96,834
1,17,16,371
1,20,44,868
24,35,586
25,49,398
26,68,529
27,93,227
29,23,751
30,60,375
32,03,384
33,53,074
35,09,760
36,73,768
38,45,439
40,25,132
42,13,223
44,10,102
46,16,182
48,31,891
50,57,680
52,94,021
55,41,405
58,00,349
60,71,393
63,55,103
66,52,071
69,62,915
72,88,285
76,28,859
79,85,348
83,58,495
87,49,079
91,57,914
95,85,854
1,00,33,791
1,05,02,660
1,09,93,438
1,15,07,151
1,20,44,868
9,65,628
10,37,824
11,15,419
11,98,815
12,88,446
13,84,778
14,88,313
15,99,589
17,19,184
18,47,721
19,85,868
21,34,345
22,93,922
24,65,430
26,49,761
28,47,874
30,60,799
32,89,644
35,35,599
37,99,943
40,84,050
43,89,400
47,17,579
50,70,296
54,49,383
58,56,814
62,94,706
67,65,339
72,71,158
78,14,796
83,99,080
90,27,049
97,01,968
1,04,27,349
1,12,06,964
1,20,44,868
8% 10% 12% 15%
56,061
57,052
58,088
59,175
60,317
61,521
62,793
64,141
65,574
67,103
68,739
70,497
72,394
74,448
76,685
79,131
81,822
84,799
88,114
91,833
96,036
1,00,831
1,06,354
1,12,792
1,20,394
1,29,514
1,40,660
1,54,594
1,72,517
1,96,425
2,29,917
2,80,184
3,64,013
5,31,758
10,35,188
0
33,872
35,087
36,358
37,691
39,090
40,561
42,111
43,748
45,479
47,316
49,270
51,354
53,587
55,985
58,574
61,380
64,437
67,788
71,483
75,586
80,180
85,369
91,292
98,132
1,06,140
1,15,668
1,27,225
1,41,573
1,59,912
1,84,241
2,18,158
2,68,864
3,53,156
5,21,428
10,25,661
0
19,997
21,100
22,270
23,512
24,832
26,234
27,728
29,321
31,023
32,843
34,794
36,891
39,150
41,591
44,237
47,116
50,263
53,718
57,534
61,774
66,520
71,878
77,984
85,022
93,244
1,03,000
1,14,800
1,29,405
1,48,015
1,72,630
2,06,852
2,57,885
3,42,538
5,11,249
10,16,204
0
8,762
9,513
10,331
11,220
12,189
13,244
14,394
15,648
17,018
18,516
20,155
21,951
23,924
26,093
28,486
31,131
34,064
37,328
40,977
45,077
49,711
54,985
61,039
68,056
76,290
86,092
97,973
1,12,694
1,31,459
1,56,268
1,90,727
2,42,047
3,27,060
4,96,262
10,02,150
0
ASSUMED MONTHLY EXPENSE - R 55,000
Inflation Rate - 7% Retirement Age - 60 yrs. Life Expectancy - 80 yrs. Expected Returns Post Retirement - 8%
Age(Yrs.)
CurrentMonthlyExpense
(R)
CurrentMonthlyExpense
at theAge 60 (R)
RetirementCorpus
Required(R)
Required SIP (R)@ expected returns of
Required Lumpsum Investment (R)@ expected returns of
Yearsto
Retirement
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
60,000
60,000
60,000
60,000
60,000
60,000
60,000
60,000
60,000
60,000
60,000
60,000
60,000
60,000
60,000
60,000
60,000
60,000
60,000
60,000
60,000
60,000
60,000
60,000
60,000
60,000
60,000
60,000
60,000
60,000
60,000
60,000
60,000
60,000
60,000
60,000
35
34
33
32
31
30
29
28
27
26
25
24
23
22
21
20
19
18
17
16
15
14
13
12
11
10
9
8
7
6
5
4
3
2
1
0
14,02,88,742
13,11,10,974
12,25,33,620
11,45,17,402
10,70,25,609
10,00,23,934
9,34,80,312
8,73,64,778
8,16,49,325
7,63,07,780
7,13,15,683
6,66,50,171
6,22,89,879
5,82,14,840
5,44,06,393
5,08,47,096
4,75,20,651
4,44,11,823
4,15,06,377
3,87,91,006
3,62,53,277
3,38,81,567
3,16,65,016
2,95,93,473
2,76,57,451
2,58,48,085
2,41,57,089
2,25,76,719
2,10,99,737
1,97,19,381
1,84,29,328
1,72,23,671
1,60,96,888
1,50,43,821
1,40,59,646
1,31,39,856
8% 10% 12% 15%
94,88,365
95,77,041
96,66,546
97,56,888
98,48,074
99,40,112
1,00,33,010
1,01,26,776
1,02,21,419
1,03,16,946
1,04,13,367
1,05,10,688
1,06,08,918
1,07,08,067
1,08,08,143
1,09,09,153
1,10,11,108
1,11,14,016
1,12,17,885
1,13,22,725
1,14,28,545
1,15,35,354
1,16,43,161
1,17,51,975
1,18,61,807
1,19,72,665
1,20,84,559
1,21,97,499
1,23,11,494
1,24,26,555
1,25,42,691
1,26,59,912
1,27,78,229
1,28,97,652
1,30,18,191
1,31,39,856
49,92,049
51,32,013
52,75,901
54,23,824
55,75,893
57,32,227
58,92,944
60,58,166
62,28,021
64,02,639
65,82,152
67,66,698
69,56,419
71,51,459
73,51,967
75,58,097
77,70,006
79,87,857
82,11,815
84,42,053
86,78,746
89,22,076
91,72,227
94,29,392
96,93,768
99,65,556
1,02,44,964
1,05,32,206
1,08,27,501
1,11,31,076
1,14,43,162
1,17,63,999
1,20,93,831
1,24,32,910
1,27,81,496
1,31,39,856
26,57,003
27,81,162
29,11,123
30,47,157
31,89,547
33,38,591
34,94,600
36,57,899
38,28,829
40,07,746
41,95,024
43,91,053
45,96,243
48,11,021
50,35,835
52,71,154
55,17,470
57,75,295
60,45,169
63,27,653
66,23,338
69,32,840
72,56,804
75,95,907
79,50,856
83,22,392
87,11,288
91,18,358
95,44,450
99,90,452
1,04,57,295
1,09,45,954
1,14,57,447
1,19,92,842
1,25,53,255
1,31,39,856
10,53,412
11,32,172
12,16,821
13,07,798
14,05,577
15,10,667
16,23,614
17,45,006
18,75,473
20,15,696
21,66,402
23,28,376
25,02,460
26,89,560
28,90,649
31,06,772
33,39,054
35,88,703
38,57,017
41,45,392
44,55,328
47,88,436
51,46,450
55,31,232
59,44,782
63,89,251
68,66,952
73,80,369
79,32,173
85,25,232
91,62,633
98,47,690
1,05,83,965
1,13,75,290
1,22,25,779
1,31,39,856
8% 10% 12% 15%
61,158
62,239
63,369
64,555
65,801
67,114
68,502
69,972
71,536
73,203
74,988
76,906
78,975
81,216
83,656
86,325
89,260
92,508
96,125
1,00,181
1,04,767
1,09,997
1,16,023
1,23,045
1,31,339
1,41,288
1,53,447
1,68,648
1,88,200
2,14,282
2,50,818
3,05,656
3,97,105
5,80,099
11,29,296
0
36,951
38,276
39,663
41,117
42,644
44,249
45,940
47,725
49,614
51,617
53,749
56,023
58,458
61,075
63,898
66,960
70,295
73,950
77,981
82,457
87,469
93,130
99,591
1,07,053
1,15,789
1,26,184
1,38,791
1,54,444
1,74,449
2,00,990
2,37,991
2,93,306
3,85,261
5,68,831
11,18,903
0
21,815
23,019
24,295
25,650
27,089
28,619
30,249
31,987
33,843
35,828
37,957
40,245
42,709
45,372
48,258
51,399
54,832
58,602
62,764
67,390
72,567
78,412
85,073
92,752
1,01,721
1,12,364
1,25,236
1,41,169
1,61,471
1,88,324
2,25,657
2,81,329
3,73,678
5,57,727
11,08,586
0
9,558
10,378
11,270
12,240
13,297
14,447
15,702
17,071
18,565
20,199
21,987
23,947
26,099
28,466
31,075
33,961
37,160
40,722
44,703
49,175
54,230
59,984
66,588
74,243
83,225
93,919
1,06,879
1,22,939
1,43,410
1,70,474
2,08,066
2,64,052
3,56,793
5,41,377
10,93,254
0
ASSUMED MONTHLY EXPENSE - R 60,000
Inflation Rate - 7% Retirement Age - 60 yrs. Life Expectancy - 80 yrs. Expected Returns Post Retirement - 8%
6,40,595
5,98,687
5,59,520
5,22,916
4,88,707
4,56,735
4,26,855
3,98,930
3,72,832
3,48,441
3,25,646
3,04,342
2,84,432
2,65,824
2,48,434
2,32,181
2,16,992
2,02,796
1,89,529
1,77,130
1,65,542
1,54,712
1,44,591
1,35,131
1,26,291
1,18,029
1,10,308
1,03,091
96,347
90,044
84,153
78,648
73,503
68,694
64,200
60,000
Age(Yrs.)
CurrentMonthlyExpense
(R)
CurrentMonthlyExpense
at theAge 60 (R)
RetirementCorpus
Required(R)
Required SIP (R)@ expected returns of
Required Lumpsum Investment (R)@ expected returns of
Yearsto
Retirement
Leather jacket. Dinner jacket. Warm jacket.
Mutual Fund investments are subject to market risks,read the scheme information document carefully before investing.
NFO closes on 21st October 2011.Units at Rs. 10/- each.
When you adapt to age, shouldnt your retirement plan too?
Presenting, the Tata Retirement Savings Fund, a
suite of retirement plans with auto-switch facility
that selects investment plans to suit your age. It
invests aggressively in your prime, moderately
as you grow and conservatively in your golden
years, making sure that your investments adapt
to the future, just like you do.
Call us at: 1-800-209-0101 SMS: TMF to 57575 Website: www.tatamutualfund.com
For statutory details, risk factors and disclaimer please refer to the inside front cover page.