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DSP Pension Fund CIO Says Aim for 25 to 30 Times Annual Expenses to Retire
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CNBC TV18•06-10-2026, 15:39
DSP Pension Fund CIO Says Aim for 25 to 30 Times Annual Expenses to Retire
- •Ramneek Kundra, CIO at DSP Pension Fund, advises building a retirement corpus worth 25 to 30 times annual expenses.
- •Investors should aim to save one year of income by age 30, three times by 40, and five to six times by 50.
- •Starting early and maintaining a high equity allocation helps combat the long-term threat of inflation over short-term market volatility.
- •As retirement approaches in the final five to 10 years, investors should gradually shift towards debt and liquid assets to protect their corpus.
- •Keeping two to three years of planned withdrawals in safe assets helps retirees avoid selling equities during market downturns.
Key Questions Answered
Ramneek Kundra suggests that investors should aim to build a retirement fund worth around 25 to 30 times their annual expenses.
Kundra recommends saving around one year of income by age 30, three times annual income by 40, and five to six times annual income by 50.
Investors should gradually shift from equities to debt and liquid assets during the final five to 10 years before retirement to protect the corpus from sequence risk.
