Neutral impactEconomy
Planning early retirement in India? Experts explain the right equity allocation, SIP strategy and portfolio approach
Mint 1 hr ago·5 Sept 2026, 5:30 am
Planning to retire early in India requires a disciplined approach to wealth creation. Experts suggest that investors with a retirement horizon of 15 to 20 years should consider maintaining a high equity allocation, typically between 70% and 80%. This strategy leverages the power of compounding to build a substantial corpus over time. However, the approach must evolve as the goal gets closer, requiring a gradual shift towards safer assets to protect the accumulated wealth.
For those aiming for early retirement, a Systematic Investment Plan (SIP) is a crucial tool. It helps in averaging out the cost of investments and ensures a consistent savings habit. As the retirement date approaches, investors are advised to systematically reduce their equity exposure. This de-risking process helps preserve capital and ensures that the portfolio is not exposed to excessive volatility during the crucial withdrawal phase.
Excerpt from Mint
Early retirement in India requires more than high income. Experts suggest a disciplined savings strategy, a 70–80% equity allocation when retirement is 15–20 years away, and gradual de-risking as the goal approaches. Early retirement is not simply about quitting work at a particular age. Financially, it means reaching…Read the original at Mint
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