{"id":3477,"date":"2012-09-27T17:01:17","date_gmt":"2012-09-27T11:31:17","guid":{"rendered":"http:\/\/www.bhagwad.com\/blog\/?p=3477"},"modified":"2014-09-05T11:48:51","modified_gmt":"2014-09-05T06:18:51","slug":"saving-for-retirement-year-4-goal-achieved-and-new-goals-set","status":"publish","type":"post","link":"https:\/\/www.bhagwad.com\/blog\/2012\/personal\/financial-matters\/saving-for-retirement-year-4-goal-achieved-and-new-goals-set.html\/","title":{"rendered":"Saving for Retirement – Year 4. Goal achieved and New goals set!"},"content":{"rendered":"

I enjoy growing my investments and have no issues sharing them publicly :) \u00a0The last update was two years ago in 2010<\/a>\u00a0when the total value was 12.11 lakh. Seems low I know, but this is for the long term. I have 25 years left! I’m happy to report that the last two years have been fairly decent to me. The total value as of today is 17.37 lakh. Here they are:<\/p>\n

\"Investments
Investments as of 2012<\/figcaption><\/figure>\n

 <\/p>\n

Two years ago, my target for the age of 55 was 3.11 Cr<\/strong>. With inflation, that translates into around 50 lakh in today’s’ time. At which point I can just peacefully live off the interest. \u00a0Two years ago, I had to invest Rs. 3,274 each month to reach 3.11 crore by the time I reached 55. Today, because the market has done well and I’ve been investing regularly, I can proudly say that I have achieved my retirement goals already :D<\/strong>. Here is the most recent calculation from this awesome retirement calculator<\/a>.<\/p>\n

\"Retirement
Retirement Goals Achieved!<\/figcaption><\/figure>\n

According to this, I can start\u00a0\u00a0withdrawing<\/em>\u00a0Rs. 5000 every month and still reach my 3.42 crore at the age of 55. Perfect :). At this rate even if I do nothing, my investments will grow to 4.6 crore. So what do I do now? Where do I go from here? I enjoy investing and watching my money grow. So I’m just going to double my retirement goals<\/strong> to 1 crore in today’s money or 6.84 crore by the time I reach 55 :) . Feeding in the new value, here is the updated retirement calculator.<\/p>\n

\"With
With Doubled Retirement Goals<\/figcaption><\/figure>\n

So I gotta put in at least Rs. 10,000 a month into my investments for the next 25 years to reach my doubled retirement goals. Pretty cool huh?<\/p>\n","protected":false},"excerpt":{"rendered":"

Year four of my retirement planning sees my goals fulfilled :). So I just doubled them. This is the second time I’m increasing my targets.<\/p>\n","protected":false},"author":2,"featured_media":3479,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[30],"tags":[],"class_list":["post-3477","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-financial-matters"],"yoast_head":"\nSaving for Retirement - Year 4. Goal achieved and New goals set!<\/title>\n<meta name=\"description\" content=\"Year four of my retirement planning sees my goals fulfilled :). So I just doubled them. 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