Is Rs 1 Crore Enough For Retirement Today?
By: Nikhil Pandey
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14 Mar 2026
Many investors consider Rs 1 crore retirement savings enough, but inflation and longevity risks threaten financial stability
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A report by OmniScience Capital examines how different retirement strategies affect longevity of a Rs 1 crore corpus
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The study simulates retirement from age sixty to one hundred, incorporating inflation, longevity and market volatility risks
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It compares fixed deposits, life annuities, systematic withdrawal plans and an aggressive equity-biased investment approach strategies
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Fixed deposits provide stability but struggle to beat inflation, risking depletion of retirement savings around seventy-five
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Life annuities offer guaranteed lifelong income, but fixed payouts reduce purchasing power as inflation rises steadily
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Systematic withdrawal plans provide potential growth but face sequence-of-returns risk during unfavourable market cycles
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The report suggests aggressive equity-biased strategy could avoid depletion and potentially generate surplus retirement income
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For annual expenses of six lakh rupees, fixed deposits and annuities require about forty times savings
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The ScientificPay strategy uses seventy-five equity allocation and withdraws six percent annually while adjusting payouts
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