{"id":435951,"date":"2026-02-20T10:43:08","date_gmt":"2026-02-20T10:43:08","guid":{"rendered":"https:\/\/www.newsbeep.com\/uk\/435951\/"},"modified":"2026-02-20T10:43:08","modified_gmt":"2026-02-20T10:43:08","slug":"rs-5-crore-retirement-fund-enough-or-not-heres-how-to-plan-withdrawals-so-your-money-doesnt-run-out-sip-swp-strategy-for-retirement-planning","status":"publish","type":"post","link":"https:\/\/www.newsbeep.com\/uk\/435951\/","title":{"rendered":"Rs 5 crore retirement fund \u2014 enough or not? Here\u2019s how to plan withdrawals so your money doesn\u2019t run out &#8211; SIP\u2013SWP strategy for retirement planning"},"content":{"rendered":"<p>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.<\/p>\n<p>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.<\/p>\n<p>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.<\/p>\n","protected":false},"excerpt":{"rendered":"At a 5% withdrawal rate, a conventional strategy makes the corpus last 22.1 years, while a 3-bucket strategy&hellip;\n","protected":false},"author":2,"featured_media":435952,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[14],"tags":[84,4176,158997,158999,158994,158998,158996,4174,4175,158993,158995,82549,56,54,55],"class_list":["post-435951","post","type-post","status-publish","format-standard","has-post-thumbnail","category-personal-finance","tag-business","tag-finance","tag-how-to-make-retirement-corpus-last-longer","tag-hybrid-fund-retirement-allocation","tag-is-5-crore-enough-for-retirement-in-india","tag-long-term-retirement-sustainability","tag-mutual-fund-retirement-income-strategy","tag-personal-finance","tag-personalfinance","tag-rs-5-crore-retirement-fund","tag-sip-swp-strategy","tag-systematic-withdrawal-plan","tag-uk","tag-united-kingdom","tag-unitedkingdom"],"_links":{"self":[{"href":"https:\/\/www.newsbeep.com\/uk\/wp-json\/wp\/v2\/posts\/435951","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.newsbeep.com\/uk\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.newsbeep.com\/uk\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/uk\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/uk\/wp-json\/wp\/v2\/comments?post=435951"}],"version-history":[{"count":0,"href":"https:\/\/www.newsbeep.com\/uk\/wp-json\/wp\/v2\/posts\/435951\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/uk\/wp-json\/wp\/v2\/media\/435952"}],"wp:attachment":[{"href":"https:\/\/www.newsbeep.com\/uk\/wp-json\/wp\/v2\/media?parent=435951"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.newsbeep.com\/uk\/wp-json\/wp\/v2\/categories?post=435951"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.newsbeep.com\/uk\/wp-json\/wp\/v2\/tags?post=435951"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}