Guides
How retirement income, SWP, dividends and related mechanics actually work, written to be read alongside the calculators rather than instead of them. New guides are added every week; the full list is below.
Retirement
How Much Money Do I Need to Retire?
The arithmetic behind the number, and why round figures like "1 crore" are usually the wrong way to think about it.
What Is a Retirement Corpus?
The capital that has to fund every year you are not earning — and how it differs from savings.
How Inflation Affects Your Retirement
Why the single biggest risk to a retirement plan is the one that shows up every year without fail.
Retiring at 40: What It Actually Takes
The maths of an unusually long retirement, and the assumptions that matter most.
Retiring at 50: What It Actually Takes
Ten fewer working years and ten more retired ones — how that trade shows up in the numbers.
Retiring at 60: What It Actually Takes
The most common retirement age in India, and the corpus a standard timeline requires.
Longevity Risk: The Danger of Outliving Your Money
Why planning to a longer life expectancy is the cheapest insurance in retirement planning.
Healthcare Costs in Retirement
The one budget line that reliably grows as you age, and reliably inflates faster than everything else.
How Much Should I Save for Retirement Each Month?
Turning a distant target into a monthly number you can actually act on.
SWP
What Is SWP and How Does It Work?
The mechanics of a Systematic Withdrawal Plan, how it is taxed, and how it differs from a fixed monthly payout.
How Long Can an SWP Last?
The relationship between withdrawal rate, return and time — and why the boundary is narrower than it looks.
Sequence-of-Returns Risk, Explained
Why a market fall in your first year of retirement can matter more than the same fall ten years in.
SWP vs Fixed Deposit: How the Income Compares
Two ways to draw a monthly income from savings, and how differently they behave once tax and inflation are added.
SWP vs Dividend Income
Redeeming your own units versus being paid out of company profits — the cash-flow and tax differences that matter.
Dividend Income
What Is Dividend Income?
How a payout from company profits becomes cash in your account, and why it is never guaranteed.
How Is Dividend Yield Calculated?
SoonThe ratio that decides how much income a given investment produces, and why it moves when the price does.
Building Retirement Income From Dividends
SoonWhat it actually takes to live off distributions, and where the plan tends to break.
Investing
How Much Income Can ₹1 Crore Generate?
SoonRunning the same corpus through an SWP and through a dividend-yield lens, side by side.
Can ₹1 Crore Be Enough for Retirement?
SoonIt depends entirely on what you spend and when you retire — the arithmetic that actually answers the question.
How Much Do I Need for ₹50,000 Monthly Retirement Income?
SoonThe capital required under an SWP versus a dividend-income approach, compared directly.
FIRE
What Is FIRE (Financial Independence, Retire Early)?
SoonThe idea behind the movement, the 25x rule it is built on, and where that rule tends to be too optimistic for India.
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