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Targetting ₹1.5 crore retirement corpus? Here's how to calculate how much you really need
Mint 1 hr ago·10 Oct 2026, 3:25 pm
A new study by HDFC Pension highlights a growing desire among Indians to build a substantial retirement corpus, with many aiming for ₹1.5 crore. However, the research indicates that while these targets are rising, they often fall short of the actual amounts needed to ensure financial security. The report also points out that healthcare costs and medical concerns remain the primary worries for retirees, suggesting that a one-size-fits-all savings goal may not be sufficient.
For investors, this serves as a reminder that a fixed savings target may not account for individual circumstances. Factors such as life expectancy, inflation, and specific health needs can significantly impact the required corpus. It is crucial to assess personal financial goals and medical requirements rather than relying on general benchmarks to ensure a comfortable retirement.
Moving forward, investors should focus on creating a personalized retirement plan. This involves calculating future expenses, factoring in medical inflation, and regularly reviewing savings strategies. Staying informed and adjusting contributions as income and life stages change will help in building a more resilient financial future.
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