Rs 5 crore retirement fund — enough or not? Here’s how to plan withdrawals so your money doesn’t run out – SIP–SWP strategy for retirement planning

At a 5% withdrawal rate, a conventional strategy makes the corpus last 22.1 years, while a 3-bucket strategy extends it to 58 years.

At 6% withdrawal, the corpus lasts 18.1 years conventionally compared to 32.8 years under the 3-bucket approach. At 7%, longevity improves from 14.8 years to 22.3 years.

Assumptions: Retirement corpus of Rs 5 crore with 5% inflation. The corpus is equally allocated, 1/3 equally to a conservative hybrid fund (6% return), an aggressive hybrid fund (9%), and equity assets (11%). Calculator courtesy: PGIM Mutual Fund.