Many people believe ₹1 lakh per month in retirement represents a financially comfortable existence; allowing you to enjoy life at leisure, travel and have peace of mind because you will never need to worry about paying a bill again. It is a target that appears both challenging and realistically attainable .

However, there are larger questions behind the comfort of this target – namely what is required to generate this consistent income after your pay checks cease? Inflation, longevity and your needs as they relate to your standard of living all have an underlying influence on how the actual picture looks.

Let’s use Meera as an example, she is currently 35 and has imagined a relaxed retirement with ₹1 lakh a month to cover her monthly expenses. However, what feels like financial comfort

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