06 Oct 2025 | 5 Mins Read
How can a young professional build ₹2 crore retirement fund?
Flipitmoney
A 34-year-old can build a ₹2 crore retirement fund by investing ₹16,000 monthly in a Systematic Investment Plan (SIP) for 20 years, with a 6% annual increase in contributions. Assuming an average annual return of 10–11%, the total investment of ₹50–55 lakh could grow to ₹1.8–2.2 crore by age 54. Post-retirement, a 5% annual withdrawal rate could provide a monthly income of ₹75,000–90,000.