listed IPO has only seen lower circuits since its trading de...
09 Apr 2026
A Rs 2-crore retirement corpus might look adequate right now, but inflation could really diminish its worth over the next 20 years. Plus, holding an equity-heavy portfolio close to retirement can be risky, since even minor market dips can throw your plans off track.
According to Ravi Singh, chief research officer (advisory & research), Master Capital Services Limited, if inflation stays at a steady 5%per year:
● Rs 2 crore today may require Rs 5.25 crore in 20 years
● Rs 6.75 crore in 25 years
● Rs 8.5 crore in 30 years
Experts suggest starting with a step-up SIP strategy, where you increase your investment amount by 10% every year to build a larger retirement corpus over time.
The table above shows an investment strategy by Ravi Singh based on this approach.
An equity-heavy portfolio near retirement exposes you to the risk of market volatility. Even a few months’ downturn can significantly impact your retirement corpus.
The table above shows the performance of key indices (Jan–April 2026). A 12% fall in a Rs 2 crore portfolio can reduce it to around Rs 1.77 crore within three months.
A glide path strategy involves gradually reducing equity exposure as retirement approaches and shifting funds to debt or fixed-income assets.
Under the bucket strategy, divide your corpus into:
● 0–3 years: Savings or liquid funds for immediate needs
● 3–7 years: Debt or hybrid funds
● 7+ years: Equity mutual funds and index funds
The table above, by Jiral Mehta of FundsIndia, shows asset allocation strategies for a Rs 2 crore corpus.
A 4–5% withdrawal rate with around 60% equity exposure can support long-term income while allowing the corpus to grow.
