If you decide to retire today with a retirement corpus of Rs 1.5 crore, can it really give you a monthly income of Rs 1.5 lakh for 20 years? The amount you can withdraw will depend on the returns you earn. Based on your risk appetite, you can choose a low or high withdrawal rate.
For those with high-risk tolerance, an equity-heavy portfolio might yield significant returns in the long term. However, during a market downturn, this kind of equity-heavy portfolio could be risky as it might diminish the value of your retirement corpus. In contrast, a debt-heavy portfolio might offer some stability, but it might not be enough to outpace inflation and last for the long haul.
