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Retirement Start Early

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Planning to retire in 2035. Planning to live until 2065. During retirement your money grows at little more than inflation rate (4 ... – PowerPoint PPT presentation

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Title: Retirement Start Early


1
Retirement Start Early !
  • Saikrishnan G

2
Retirement Big Question
  • Is money the biggest source of happiness for
    retirees?
  • This generation is living a longer life than any
    other generation.
  • A little bit of planning will result in a
    blissful retirement

3
Clarifications on assumptions
  • Planning to retire in 2035
  • Planning to live until 2065
  • During retirement your money grows at little more
    than inflation rate (4)
  • From now till 2035, money grows at SP 500
    historic levels (8)

4
How much you need?
  • Characteristics of a retired person
  • Mileage varies
  • For this presentation we are assuming 10,000 per
    month today is a good benchmark

5
What it means in future
  • 10,000 / month today
  • 18,114 / month in 2035
  • _at_ retirement you should have a lump sum of .

6
  • 3, 622, 003

7
How do you get there ?
  • Either have a huge lump sum money to start with
  • Lot of interest
  • Time Start early
  • Disciplined Investment

8
If you start now
  • Invest 2428 per month
  • Nice tax break until 14,000. So, effectively
  • Effectively 2000 per month

9
If you start only in
10
What are you waiting for ?
  • Start NOW !
  • http//library.thinkquest.org/3096/4learn.htm
  • http//personal.fidelity.com/products/funds/
  • http//www.vanguard.com
  • Read Peter Lynch and Benjamin Graham

11
Appendix
  • http//saiscorner.blogspot.com
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