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.
December 07, 2025, 12:47 IST
Read More
Business
Trump raises potential concerns over $72bn Netflix-Warner Bros deal
US President Donald Trump has flagged potential concerns over Netflix’s planned $72bn (£54bn) deal to buy Warner Brothers Discovery’s movie studio and popular HBO streaming networks.
At an event in Washington DC on Sunday, he said Netflix has a “big market share” and the firms’ combined size “could be a problem”.
On Friday, the two companies said they had reached an agreement that could bring Warner Brothers’ franchises like Harry Potter and Game of Thrones to Netflix, creating a new media giant.
The planned deal, which has raised concerns among some in the industry, is yet to be approved by competition authorities. The BBC has contacted Warner Brothers, Netflix and the White House for comment.
Launched in 1997 as a postal DVD rental business, Netflix has grown to become the world’s largest subscription streaming service. The deal – the biggest the film industry has seen in a long time – would cement its number one position.
Under the agreement several global entertainment franchises, such as Looney Tunes, The Matrix and Lord of the Rings, would move to Netflix.
The US Justice Department’s competition division, which oversees major mergers, could contend that the deal violates the law if the combined businesses account for too much of the streaming market.
At an event at the John F. Kennedy Center in the US capital, Trump said that Netflix has a “very big market share” which would “go up by a lot” if the deal goes ahead.
Trump added that he would be personally involved in the decision on whether or not to approve the deal and repeatedly highlighted the size of Netflix’s market share.
He also said that Netflix’s co-CEO Ted Sarandos recently visited the Oval Office and praised him for his work at the company.
“I have a lot of respect for him. He’s a great person,” said Trump. “He’s done one of the greatest jobs in the history of movies.”
Mr Sarandos earlier acknowledged that the agreement may have surprised investors but said it was a chance to position Netflix for success in the “decades to come”.
Some in the entertainment industry have criticised the agreement.
The Writers Guild of America’s East and West branches called for the merger to be blocked, saying the “world’s largest streaming company swallowing one of its biggest competitors is what antitrust laws were designed to prevent.”
“The outcome would eliminate jobs, push down wages, worsen conditions for all entertainment workers, raise prices for consumers and reduce the volume and diversity of content for all viewers,” it said on Friday.
Business
Ministers promise 50,000 new apprenticeships in bid to tackle youth unemployment
Sir Keir Starmer is set to announce a major investment in apprenticeships on Monday in an effort to tackle rising youth unemployment.
Some 50,000 young people are expected to benefit from the £725 million investment, in which more apprenticeships will be created in sectors including AI, hospitality and engineering.
The Government is aiming to reverse a decline in the number of young people starting apprenticeships, which has fallen by almost 40% in the past decade.
The Prime Minister has also expressed his desire to see apprenticeships treated with the same respect as degree courses.
At this year’s Labour party conference, he said he wanted to see two-thirds of young people study for a degree or an apprenticeship.
Sir Keir said: “For too long, success has been measured by how many young people go to university. That narrow view has held back opportunity and created barriers we need to break.
“If you choose an apprenticeship, you should have the same respect and opportunity as everyone else.”
Sir Keir will mark the announcement with a visit to McLaren’s technology centre near Woking, in Surrey on Monday, where he will meet apprentices and other young people at the start of their careers.
McLaren, whose driver Lando Norris won the Formula 1 championship on Sunday, employs 84 people in its early careers scheme and is developing apprenticeships in a range of areas to increase that number.
The funding, which covers the next three years, includes a commitment to fully fund apprenticeships at small and medium-sized businesses.
It also includes £140 million for regional mayors to link young people not in employment, education or training (Neet) with local apprenticeships.
Ministers have been especially concerned with the rising number of young people classed as Neets, which experts suggest is on course to exceed one million for the first time since the aftermath of the 2008 financial crisis.
On Sunday, Work and Pensions Secretary Pat McFadden announced an £820 million investment in tackling the Neet problem, including more training and guaranteed jobs for long-term out-of-work young people.
He said: “This funding is a downpayment on young people’s futures and the future of the country, creating real pathways into good jobs and providing work experience, skills training and guaranteed employment.”
The Government is also expected to set out its national youth strategy this week.
Speaking to the BBC’s Sunday With Laura Kuenssberg, Mr McFadden said young people had “not had a good enough deal” in areas such as housing and employment.
He said: “Young people do need a better deal. They need a Government that believes in them.”
Business
Bridging the gap for digital future | The Express Tribune
Although Pakistan has rapidly growing digital population, its research spending and industrial automation remain limit
Pakistan, by contrast, has opted out of the ITA, one of the world’s most successful digital trade agreements, whose membership has grown to 86 countries accounting for over 97% of global digital trade.: photo: file
KARACHI:
The global economy is undergoing a seismic technological shift. Robotics, automation, and AI are no longer futuristic ideas, they are now mainstream drivers of productivity, competitiveness, and innovation.
According to the International Federation of Robotics (IFR), the industries worldwide deployed over 553,000 new industrial robots in 2023, marking a historic peak in automation demand. Meanwhile, global AI investment is projected to exceed $300 billion by 2026, as estimated by the International Data Corporation (IDC). The world is accelerating rapidly, but Pakistan risks being left behind unless decisive and strategic action is taken.
Pakistan’s current standing in global technological competitiveness reflects this urgent need. The World Intellectual Property Organisation’s Global Innovation Index 2024 ranked Pakistan 88 out of 132 countries, trailing significantly behind regional peers such as India (40), China (12), and even Iran (62).
Although Pakistan has a young and rapidly growing digital population, its innovation input including research spending, patenting, STEM education quality, and industrial automation remains limited.
One of the clearest indicators of Pakistan’s lag is its extremely low adoption of industrial robotics. While China deployed more than 290,000 robots in 2023, India installed over 4,000, and Southeast Asian economies like Vietnam and Thailand each installed several thousand per year, Pakistan’s installations remain negligible estimated in the low hundreds, primarily within automotive assembly and select textile units. This places Pakistan far below global benchmarks for robotics penetration per 10,000 manufacturing workers, a critical indicator used by the IFR.
AI development, too, is growing slowly despite considerable potential. Estimates suggest Pakistan’s AI industry is currently valued at around $100-120 million, a fraction of India’s AI ecosystem, which already exceeds $7.8 billion in valuation.
Global tech corporations and venture investors have poured tens of billions of dollars into the research and deployment of AI models, automation platforms, and robotics labs. Pakistan, however, lacks a cohesive national AI strategy, consistent funding pipelines, or large-scale industrial automation programmes that could unlock similar growth.
Pakistan has strong foundations that can be leveraged. The country produces more than 35,000 IT and engineering graduates annually, according to the Higher Education Commission (HEC). Freelancers and digital workers generate over $400 million in annual export earnings, reflecting global demand for Pakistani technical talent. Moreover, private-sector initiatives from robotics startups in Karachi and Lahore to automation efforts in large industrial groups demonstrate that capacity exists when given the right incentives and resources.
Pakistan must pivot from scattered initiatives to a coordinated national strategy. Three priority areas stand out. First, the country must invest in industrial automation at scale. The manufacturing sector, which accounts for nearly 12-13% of GDP, suffers from low productivity, energy inefficiencies, and technology gaps.
Robotics adoption in textiles, food processing, pharmaceuticals, and logistics can significantly increase competitiveness in export markets. Government-backed tax incentives for robotics equipment, low-interest automation loans, and partnerships with countries like China, South Korea, and Japan could accelerate industrial modernisation.
Second, research and development (R&D) must be strengthened. Pakistan’s gross expenditure on R&D stands at less than 0.3% of GDP, far below the global average of 2.3%, and dramatically lower than innovation leaders like South Korea (4.9%) or China (2.4%).
Without substantial investment in university labs, applied AI research centres, and industry-academia partnerships, Pakistan cannot produce the intellectual property or advanced technical solutions required for robotics and AI advancement. Establishing National Robotics Centres, funded jointly by the government and private industry, would be a game-changing step.
Third, talent development and regulation should be prioritised. Pakistan urgently needs specialised curricula in AI engineering, machine learning, robotics design, control systems, and industrial automation. Short courses and certifications are not enough. Universities should embed practical robotics labs and co-op industry training into degree programmes.
Simultaneously, Pakistan must design a forward-looking regulatory framework for AI ethics, data governance, cybersecurity, and safe deployment. Without clear guardrails, industries will hesitate to invest.
The government’s recent efforts such as the Special Investment Facilitation Council (SIFC) targeting technology investment, and the Ministry of IT’s proposed National AI Strategy indicate growing recognition of the need for reform. But policy action has been slow, funding remains thin, and coordination across ministries is limited. If Pakistan wants to harness global shifts in automation and AI, it must treat technology as a central pillar of economic policy, not a peripheral sector.
The World Economic Forum estimates that AI and automation could generate $15.7 trillion in global economic value by 2030. Countries that integrate robotics into manufacturing and AI into services will gain a decisive productivity advantage.
Pakistan’s export industries, already struggling with high input costs and low efficiency, risk losing global market share if they fail to modernise. Conversely, with the right policies, Pakistan could unlock a new wave of technology-driven growth, create high-value jobs, and transform its industrial base.
The “robotics and AI race” is not about machines replacing people; it is about countries equipping their people with the tools needed to compete in a world powered by automation. Pakistan has the youth, the talent, and the strategic geographic position to participate meaningfully in this global transformation. What it lacks is coordinated investment, regulatory clarity, and long-term technological vision.
The message for Pakistan’s policymakers and business leaders is clear: the world is not waiting. Robotics and AI are reshaping global trade, industry, and innovation at unprecedented speed. Pakistan must act now decisively and strategically or risk being left on the sidelines of the new digital economy.
The writer is a member of PEC and has a masters in Engineering
-
Tech1 week agoGet Your Steps In From Your Home Office With This Walking Pad—On Sale This Week
-
Sports7 days agoIndia Triumphs Over South Africa in First ODI Thanks to Kohli’s Heroics – SUCH TV
-
Entertainment7 days agoSadie Sink talks about the future of Max in ‘Stranger Things’
-
Fashion7 days agoResults are in: US Black Friday store visits down, e-visits up, apparel shines
-
Politics7 days agoElon Musk reveals partner’s half-Indian roots, son’s middle name ‘Sekhar’
-
Tech7 days agoPrague’s City Center Sparkles, Buzzes, and Burns at the Signal Festival
-
Sports7 days agoBroncos secure thrilling OT victory over Commanders behind clutch performances
-
Sports7 days agoF1 set for final-race showdown as Verstappen exploits McLaren blunder | The Express Tribune
