{"id":1213,"date":"2009-09-28T17:00:27","date_gmt":"2009-09-28T17:00:27","guid":{"rendered":"http:\/\/www.bhagwad.com\/blog\/?p=1213"},"modified":"2014-09-05T11:50:10","modified_gmt":"2014-09-05T06:20:10","slug":"saving-for-retirement-im-almost-done","status":"publish","type":"post","link":"https:\/\/www.bhagwad.com\/blog\/2009\/personal\/saving-for-retirement-im-almost-done.html\/","title":{"rendered":"Saving for Retirement \u2013 I&#8217;m almost done!"},"content":{"rendered":"<p style=\"text-align: justify;\">In this post, I&#8217;m going to lay bare my finances to the wide world. Most Indians I know are hesitant to discuss this aspect of their affairs (perhaps even more than their sexual ones!), and here I disclose full details with screenshots of my finances with nothing hidden. Call me an exhibitionist, but it&#8217;s fun to do what I haven&#8217;t seen anyone do before!<\/p>\n<h2 style=\"text-align: justify;\">Retirement Goals<\/h2>\n<p style=\"text-align: justify;\">But to start off, this is my retirement goal: I need to have a <strong><em>monthly<\/em> income of Rs. 3L (3,00,000) when I retire<\/strong>. I figure I&#8217;ll need this much when I retire since inflation will be 7.8% and Rs. 3L will be equal to around Rs. 30,000 in today&#8217;s value after 28 years (time till I retire). My wife and I feel that if we were old right now, we can easily get by on Rs. 30,000 a month.<\/p>\n<p style=\"text-align: justify;\">So to get a monthly income of Rs. 30,000, I need to accumulate Rs 3.11Cr (3,00,00,000) by 2037. I want to retire when I&#8217;m 55.<\/p>\n<p style=\"text-align: justify;\">So final goal = Rs. 3 Cr by 2037.<\/p>\n<h2 style=\"text-align: justify;\">Current Status<\/h2>\n<p style=\"text-align: justify;\">I&#8217;ve been investing since I started earning (haven&#8217;t missed a month in 6 years) and over that period, have managed to accumulate 8L till date. The recent crash and subsequent rise of the Indian Stock Markets has more than tripled my assets. So here are my assets as of the 27th of September 2009 (Click to Enlarge):<\/p>\n<figure id=\"attachment_1233\" aria-describedby=\"caption-attachment-1233\" style=\"width: 488px\" class=\"wp-caption alignnone\"><a href=\"http:\/\/www.bhagwad.com\/blog\/wp-content\/uploads\/2009\/09\/Net-Assets.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-1233 \" title=\"Net Assets as of 27th September 2009\" src=\"http:\/\/www.bhagwad.com\/blog\/wp-content\/uploads\/2009\/09\/Net-Assets.jpg\" alt=\"Net Assets as of 27th September 2009\" width=\"498\" height=\"393\" srcset=\"https:\/\/www.bhagwad.com\/blog\/wp-content\/uploads\/2009\/09\/Net-Assets.jpg 711w, https:\/\/www.bhagwad.com\/blog\/wp-content\/uploads\/2009\/09\/Net-Assets-300x236.jpg 300w\" sizes=\"auto, (max-width: 498px) 100vw, 498px\" \/><\/a><figcaption id=\"caption-attachment-1233\" class=\"wp-caption-text\">Net Assets as of 27th September 2009<\/figcaption><\/figure>\n<p style=\"text-align: justify;\">(The red smudged &#8220;Other Liabilities&#8221; is a person for whom I&#8217;m temporarily holding some cash &#8211; so it counts as a liability). And to ease the fears of &#8220;other&#8221; security conscious people in my life, I have graciously consented to blur some account numbers&#8230;.Ok ok, I guess it makes sense :) &#8211; As the Chief Whip said in Yes Minister &#8211; &#8220;Open, but not gaping!&#8221; In case you&#8217;re wondering what cool tool I use to generate my financial reports, it&#8217;s called <a href=\"https:\/\/moneycenter.yodlee.com\/moneycenter\/mfalogin.moneycenter.do?locale=en_US&amp;_flowId=mfalogin&amp;c=csit_key%3A5hiNRioM%2BfW5Y%2BjFxIlY7c9sqP0%3D&amp;l=locale:_flowId:u\" target=\"_blank\">Yodlee<\/a> &#8211; a free online financial aggregator whose clients include Bank of America and other large corporations, so I trust them.<\/p>\n<h2 style=\"text-align: justify;\">What I need to do to reach 3.11 Cr by 2037<\/h2>\n<p style=\"text-align: justify;\">I invest only in the Stock Market and as such, I expect excellent returns over the next 28 years. I never take cash out and keep investing per week. Based on historical records, I should get well over 15% per annum, but to be on the safe side, I&#8217;ll forecast for only 12%. Plugging the figures into a simple <a href=\"http:\/\/www.rbs.in\/RBS-PersonalBanking\/tools-calculator\/retirement-calculator.html\" target=\"_blank\">retirement calculator<\/a>, this is what I get:<\/p>\n<figure id=\"attachment_1217\" aria-describedby=\"caption-attachment-1217\" style=\"width: 490px\" class=\"wp-caption alignnone\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-1217\" title=\"Monthly Investment needed to achieve goals\" src=\"http:\/\/www.bhagwad.com\/blog\/wp-content\/uploads\/2009\/09\/Need-to-Invest.jpg\" alt=\"Monthly Investment needed to achieve goals\" width=\"500\" height=\"550\" srcset=\"https:\/\/www.bhagwad.com\/blog\/wp-content\/uploads\/2009\/09\/Need-to-Invest.jpg 500w, https:\/\/www.bhagwad.com\/blog\/wp-content\/uploads\/2009\/09\/Need-to-Invest-272x300.jpg 272w\" sizes=\"auto, (max-width: 500px) 100vw, 500px\" \/><figcaption id=\"caption-attachment-1217\" class=\"wp-caption-text\">Monthly Investment needed to achieve goals<\/figcaption><\/figure>\n<p style=\"text-align: justify;\">So the good news is that I now <strong>only need to invest a minimum of Rs. 5000 a month<\/strong> to reach my targets by 2037! I currently invest a minimum of Rs. 7,000 per week \u2013 half in a Tax saving ELSS scheme and the other half in Mid Cap companies (I can afford to take on risk since I have a large time span). Here are my investments for the past one month (Click to Enlarge).<\/p>\n<figure id=\"attachment_1234\" aria-describedby=\"caption-attachment-1234\" style=\"width: 541px\" class=\"wp-caption alignnone\"><a href=\"http:\/\/www.bhagwad.com\/blog\/wp-content\/uploads\/2009\/09\/Weekly-Investments1.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-1234  \" title=\"Weekly Investments\" src=\"http:\/\/www.bhagwad.com\/blog\/wp-content\/uploads\/2009\/09\/Weekly-Investments1.jpg\" alt=\"Weekly Investments\" width=\"551\" height=\"305\" srcset=\"https:\/\/www.bhagwad.com\/blog\/wp-content\/uploads\/2009\/09\/Weekly-Investments1.jpg 787w, https:\/\/www.bhagwad.com\/blog\/wp-content\/uploads\/2009\/09\/Weekly-Investments1-300x166.jpg 300w\" sizes=\"auto, (max-width: 551px) 100vw, 551px\" \/><\/a><figcaption id=\"caption-attachment-1234\" class=\"wp-caption-text\">Weekly Investments<\/figcaption><\/figure>\n<p style=\"text-align: justify;\">So I find that I\u2019m currently investing around <em>five times<\/em> more than what I need to invest. Ooh la la! It makes me imagine how much bare minimum I need to earn to live comfortably and keep investing at the same time. When I calculate it, I need to earn just Rs. 15,000 a month (instead of the 35 \u2013 40 thousand I earn right now). Given that I charge $20 an hour, I need to work less than an hour a day \u2013 on weekdays only of course <img decoding=\"async\" class=\"wp-smiley\" src=\"http:\/\/www.bhagwad.com\/blog\/wp-includes\/images\/smilies\/icon_smile.gif\" alt=\":)\" \/> \u2013 for the next 28 years to achieve my retirement goals!<\/p>\n<p style=\"text-align: justify;\">Makes me think I have quite a good life. No babies, no house rent etc. The only thing maybe I\u2019ll need to worry about is medical expenses. Thinking of taking out some insurance when I get back to India \u2013 I\u2019m still not convinced either way. Ideas anyone?<\/p>\n","protected":false},"excerpt":{"rendered":"<p>A quick run down of my retirement goals and how I&#8217;ve just about reached them. With screenshots of investments and all other details<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[30,31,21,33],"tags":[],"class_list":["post-1213","post","type-post","status-publish","format-standard","hentry","category-financial-matters","category-nr","category-personal","category-sa"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Saving for Retirement \u2013 I&#039;m almost done!<\/title>\n<meta name=\"description\" content=\"A quick run down of my retirement goals and how I&#039;ve just about reached them. 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