<p style="text-align: left;">As per World Bank statistics, life expectancy in India is 66 years. But since independence life expectancy has increased from 40 years to 66 years. Japan has highest life expectancy of 83 years. Life expectancy in India s expected to increase further in the coming years. Hence any youngster planning for retirement today should plan with life expectancy of 80 years.</p> <p style="text-align: left;"><span style="color: rgb(53, 152, 219);"><strong>Return on Corpus Invested</strong></span></p> <p style="text-align: left;">Post Retirement it is recommended to invest in safe investments only. Since safe investments do not give inflation beating returns, it can be assumed that</p> <p style="text-align: center;"><span style="color: rgb(0, 0, 0);"><strong>Return on Investment = Inflation </strong></span></p> <ul> <li style="text-align: left;"><span style="color: rgb(0, 0, 0);">If own home is not available, then expenses will increase. If retired couple is staying in Metro Cities then expenses are likely to increase by 30% more because of rent and if they are living in rural areas then it can increase by 15%</span></li> <li style="text-align: left;"><span style="color: rgb(0, 0, 0);">If no medical insurance cover is available, the new medical insurance cover premium will increase the expenses by 10%</span></li> </ul> <p style="text-align: left;"><em><span style="color: rgb(0, 0, 0);">Retirement planning in India must account for longer life spans, limited returns from safe investments, and lifestyle-related cost adjustments. Since life expectancy is rising, youngsters should plan for at least 80 years of life. Post-retirement returns are likely to only match inflation, meaning the retirement corpus will not grow significantly in real terms.</span></em></p>