Your 30s are the most powerful compounding decade. Align retirement math with inflation and future lifestyle choices.
Retirement planning in your 30s should begin with a clear target corpus, adjusted for inflation, not a generic monthly SIP suggestion.
Estimate post-retirement annual expenses in today's value, apply an inflation rate, and map this to a retirement corpus range. Then distribute the required monthly savings across equity, debt, and retirement-focused instruments.
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Revisit this every year as income grows. Increasing retirement contributions by even 8 to 10 percent annually can significantly reduce pressure in your 40s and 50s.
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About the author
Arjun Mehta