Business
Is Early Retirement At 50 Possible? Here’s The Savings Math
Last Updated:
Early retirement at 50 needs discipline, smart investing and a clear estimate of your future expenses. Compounding and diversification help build a strong long-term corpus.
To retire at 50, experts suggest multiplying annual expenses by 25–30 to find the ideal corpus.
Many people have a dream to stop 9-to-6 grind once and for all and take early retirement, typically after 50, when the body isn’t as fresh as in youth. But the task seems uphill, especially for the middle class, who are solely dependent on their monthly salary rather than a business.
Building a corpus isn’t rocket science. What it requires is financial discipline and self-control, while keeping focus on regular investment with a diversified portfolio, including equities, debt and gold and silver.
Compouding will work as magic wand to multiply your money, so you can build a substantial corpus that will be helpful in retirement.
Retiring at 50 means your money must last for the next 30–35 years, so estimating the right corpus is the first step, according to Ajay Kumar Yadav CFPCM, Group CEO & CIO , Wise Finserv.
So, How Can You Estimate A Right Corpus For You?
Yadav said that a practical way to do this to multiply one’s annual expenses by 25-30, based on the sustainable withdrawal rate of 3-4 per cent.
Giving an illustration, Yadav stated that if your current annual expense is 12 lakh, your ideal corpus should be 3 crore to 3.6 crore.
Inflation is the biggest money-eater and roadblocker in the pathway to building a good corpus. In simple terms, it reduces the purchasing power of the same amount over the time. For instance, what you can purchase with a note of Rs 100, you can’t do the same 5 year later.
Yadav explained that a monthly expense of 1 lakh grows to 1.34 lakh in five years at 6% inflation, raising annual expenses to 16.1 lakh. That lifts the required corpus to around 4 crore to 4.8 crore.
Other Assets As Important As Equities
Yadav underlined that equity is the main factor for compounding in the long term. However, he suggested, to still have a part of your investment in high-quality fixed-income allocations.
“They provide the investor with comfort, predictable cash flows and also help to maintain the discipline during the volatile phases,” he added.
Consider scenarios where equity returns stay flat, or markets go through multi-year volatility, Yadav underlined the importance of stress-testing for retirement plan. “. This exercise shows whether your corpus can truly last and whether you need to adjust spending, asset allocation, or risk levels.”
He recommended to add a contingency buffer of 10–15 %, setting up systematic withdrawals, and reviewing your plan annually can extend the life of your retirement money.
Click here to add News18 as your preferred news source on Google. December 07, 2025, 12:47 IST
Read More
Business
India opposes China-led IFD pact’s inclusion; flags risks to WTO framework and core principles – The Times of India
India on Saturday said it has strongly opposed the China-led Investment Facilitation for Development (IFD) Agreement being incorporated into the World Trade Organisation (WTO) framework, flagging concerns over its systemic implications, PTI reported.The issue was raised at the ongoing 14th ministerial conference (MC14) of the WTO in Yaounde, Cameroon, where Commerce and Industry Minister Piyush Goyal said such a move could weaken the institution’s foundational structure.“Incorporation of the IFD agreement risks eroding the functional limits of the WTO and undermining its foundational principles,” Goyal said in a social media post.“At #WTOMC14, drawing inspiration from Mahatma Gandhi ji’s philosophy of Truth prevailing over conformity, India showed the courage to stand alone on the contentious issue of the IFD Agreement and did not agree to its incorporation into the WTO framework as an Annex 4 Agreement,” he said.Annex 4 of the WTO Agreement contains Plurilateral Trade Agreements that are binding only on members that have accepted them, unlike multilateral agreements which apply to all members.Goyal said that as part of WTO reform discussions, members are deliberating on guardrails and legal safeguards for plurilateral agreements before integrating any such outcomes into the framework.“In view of the systemic issue at hand, India showed openness to have good faith, comprehensive discussions and constructive engagement under the WTO Reform Agenda,” he added.India had also opposed the pact during the WTO’s 13th ministerial conference (MC13) in Abu Dhabi.The Investment Facilitation for Development proposal was first mooted in 2017 by China and a group of countries that rely significantly on Chinese investments, including those with sovereign wealth funds. The agreement, if adopted, would be binding only on signatory members.
Business
Middle East crisis: Jubilant FoodWorks reports some Domino’s outlets affected by LPG shortage – The Times of India
Jubilant FoodWorks Ltd (JFL), which operates Domino’s Pizza and Dunkin Donuts in India, has reported constraints in LPG cylinder supplies across parts of its store network due to the ongoing West Asia war, according to ET.In a filing to the BSE, the company said, “Operational impact at this stage is limited and being actively managed. The company is taking several steps to conserve LPG and working overtime to move to alternate energy sources like electricity and piped natural gas (PNG).”It added that it is in continuous touch with oil marketing companies to track developments and respond to the evolving situation. “The company is in constant engagement with oil marketing companies (OMCs) to remain apprised of the latest developments and plan operational responses accordingly, given the rapidly evolving nature of the situation,” the filing said.The company noted that it is closely monitoring the situation as supply disruptions persist.The impact is being felt across the restaurant industry, with several chains facing similar challenges due to LPG shortages.On March 10, the National Restaurant Association of India (NRAI) had advised its five lakh members to consider shorter operating hours, reduce items requiring long cooking times or deep frying, and adopt fuel-saving measures such as using lids while cooking, in view of supply constraints linked to the Gulf war.
Business
Russia sells reserve gold for first time in 25 years to fund Ukraine war deficit: Report – The Times of India
Russia has begun selling physical gold from its central bank reserves for the first time in 25 years, as the government seeks to plug a widening budget deficit driven by sustained military expenditure, according to a report by Berlin-based news outlet bne IntelliNews.Regulatory data show that between 2022 and 2025, Russia sold gold and foreign currency worth over RUB 15 trillion ($150 billion), followed by an additional RUB 3.5 trillion ($35 billion) in just the first two months of 2026, the report noted. In January alone, the Central Bank of Russia sold 300,000 ounces of gold, followed by another 200,000 ounces in February.The move marks a significant shift in reserve management. Earlier, gold transactions were largely notional, involving transfers between the Ministry of Finance and the central bank without physical movement of bullion. In recent months, however, the central bank has started selling actual gold bars into the market.As a result, Russia’s gold holdings have declined to 74.3 million ounces, the lowest level in four years. The disposal of 14 tonnes in January and February is the largest two-month sale since the second quarter of 2002, when 58 tonnes were offloaded in a single tranche.The sales come as Russia’s fiscal position comes under increasing strain. The government ended 2025 with a budget deficit of 2.6 per cent of GDP, compared to an initial projection of 0.5 per cent, Berlin-based bne IntelliNews report noted. Economists estimate the actual deficit could be closer to 3.4 per cent, with some payments deferred to 2026 to limit the reported gap.Pressure on the budget has intensified as oil prices weakened in the second half of the year and US sanctions tightened, reducing the contribution of oil and gas tax revenues to about 20 per cent of total revenues — roughly half of pre-war levels.The decision to sell gold has also been influenced by the sharp rise in bullion prices to above $5,000 per ounce. This surge has pushed Russia’s international reserves to over $809 billion as of February 28, including around $300 billion of assets frozen in the West, according to the Central Bank of Russia. Of this, gold reserves alone are valued at about $384 billion.Russia currently holds more than 2,000 tonnes of gold, making it the world’s fifth-largest sovereign holder, according to World Gold Council data. The country had built up these reserves over the years to reduce dependence on dollar-denominated assets, especially after sanctions imposed following the annexation of Crimea in 2014 and further tightened after the invasion of Ukraine in 2022.Since 2022, the Ministry of Finance has relied on multiple funding channels to manage budget pressures. These include drawing from the National Welfare Fund, which still holds around RUB 4 trillion, increasing issuance of domestic OFZ treasury bonds, and raising value-added tax rates, which account for about 40 per cent of government revenues.The shift to selling physical gold suggests that Russia is now tapping its liquid reserve buffers more directly, underlining the growing fiscal strain as the conflict in Ukraine continues into its fourth year.
Man City show why they are worthy WSL title winners as tired United wilt
USA 2-5 Belgium (Mar 28, 2026) Final Score – ESPN
The unlikely rise of Iowa’s Ben McCollum, Bennett Stirtz: Division II to Elite Eight
-
Business1 week agoFlipkart group CFO to leave co amid IPO plans – The Times of India
-
Fashion1 week agoChina’s textile & apparel exports surge 17% to $50 bn in Jan-Feb 2026
-
Sports1 week agoRating Adidas’ 2026 World Cup away shirts: Argentina, Spain, Mexico and more
-
Sports1 week agoAmerican Conference Commissioner Tim Pernetti thanks Trump for Army-Navy game executive order
-
Tech1 week ago
The Corsair 4000D RS PC Case Keeps Your System Cool
-
Tech1 week agoGamers Hate Nvidia’s DLSS 5. Developers Aren’t Crazy About It, Either
-
Sports1 week agoHow to watch 2026 NCAA swimming and diving championships
-
Business4 days agoProperty Play: Home flippers see smallest profits since the Great Recession, real estate data firm says