Dr Vikas Gupta investment strategy!

“A person with a Rs 2 crore corpus at age 35 has most likely saved Rs 1 lakh per month consistently over the past 8-10 years and invested primarily in high-return assets like equities. If this individual continues with a Rs 1 lakh SIP monthly, we can reasonably estimate that their current expenses are around Rs 2 lakh per month,” as per Dr. Vikas Gupta, CEO and Chief Investment Strategist, OmniScience Capital.

Looking ahead, with 5% inflation, these monthly expenses will grow to about Rs 3.25 lakhs in 10 years and Rs 4.15 lakhs in 15 years. Now, if we assume they aim to withdraw 4% annually from their future corpus, and the corpus remains 100% in equities with a 12% CAGR (hypothetical), here’s what the numbers look like: For 10-Year Retirement: Invest the Rs 2 crore lump sum entirely in equities: this could grow to Rs 6 crores in 10 years.

Add a Rs 1.25 lakh monthly SIP with a 10% annual step-up: this could grow to about Rs 4 crores. Total corpus = Rs 10 crores at age 45, enough to withdraw Rs 3.25 lakhs/month sustainably and inflation-adjusted over time. For 15-Year Retirement: The same Rs 2 crore lump sum grows to nearly Rs 11 crores. SIP contributions compound to approximately Rs 10 crores. Total corpus = Rs 21 crores by age 50, more than enough for a Rs 4+ lakh monthly withdrawal.

In fact, dividend income alone could likely cover most expenses. Early retirement isn’t about guessing—it’s about planning. And if you’ve already built a Rs 2 crore base at 35, you have both the head start and the capacity to finish strong, stated Dr. Vikas Gupta.

Read more at: https://www.goodreturns.in/personal-finance/investment/i-have-managed-to-save-rs-2-cr-through-my-job-i-am-now-35-years-old-how-soon-can-i-retire-1439005.htmlegy!