New Delhi, Oct. 26 -- Rs.2 crore for a retirement corpus sounds like a decent amount to start your second innings with. There are many financial thumb rules around managing your retirement corpus, and on paper, they may also appear workable. However, the biggest risk your corpus stares at is inflation. Sample this: if you spend Rs.1 lakh a month today, at 6% inflation, your monthly expenses will rise to about Rs.1.33 lakh after five years. That means five years later, your expenses will increase by over Rs.4 lakh annually.

So, can a Rs.2 crore retirement corpus really fund your retirement and give you the financial freedom you need? The answer depends on many factors, such as the retirement age, monthly expenses, the growth rate of your ...