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HowCanIReplaceMySalaryThroughInvesting?scripbox.com
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Rajesh will need 14 years to accumulate the required corpus of Rs 28.18 lakhs
which when invested in a Bank FD will give you Rs 18,790 per month.
Monthly SIP
(Rs)
Investment Option
Expected Rate of
Return
Years
Required
5400
14%
14
5400
Bank Recurring
Deposit/PPF
9%
18
This is great. Rajesh could achieve a corpus that replaces his current salary by the
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time he is 36.
However, there is a problem with this approach. We have failed to take inflation into
account. What inflation does is reduce the value of money over time. With a given
sum of money, you will be able to buy significantly less 14 years from now. To put it in
numbers, Rajeshs current Salary of Rs 18,000 will be worth only Rs 6,128 in 14 years.
How to create a corpus that replaces your income adjusted for inflation
To get a corpus that is capable of generating this inflation adjusted (higher) income,
Rajeshwill need to save for longer. Lets see what it will take to do this. We will go
with the same assumptions as before but also consider inflation.
You invest at least 30% of your salary- (INR 5,400 in this case)
Investments happen in equity mutual funds with an expected return of 14%
annualised over the long term
You re-invest the accumulate corpus in a bank FD with an expected return of 8% per
annum
Tax implications are not taken into account
Inflation rate is 8% per annum
Rajesh will need 28 years to accumulate the required corpus of INR 2.16 crores,
which, when reinvested, will give him Rs 1,44,209 per month an amount that is
equivalent to his current salary of Rs 18,000 adjusted for inflation over 28 years.
Is there a faster way to achieve this?
Yes. And that involves increasing your saving every year by, say, 10%. This is in-line
with the increase in your income.
If you do this, you will only need 18 years to accumulate the required corpus of INR
1.03 Crores which could then generate a monthly income of Rs 69,108 an amount
equal to your current salary adjusted for inflation over 18 years.
Monthly SIP (INR)
Investment Avenue
Rate of Return
Years Required
5400
14%
18
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5400
9%
28
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over 22 years. Having held leadership positions with Citibank, ABN AMRO Bank &
Kotak Mahindra, Sanjiv set up scripbox along with his friends Atul & Ravi with the aim of
simplifying personal finance for everyone. You can also follow Sanjiv on twitter @sanjivsinghal
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TruthSayerSoothsayer 3monthsago
allinvestmentgurusrdsamewolfpacksoperatingacrossdworldtopromotestockmarketinvesting
andlazymoneymaking,wendmarketsgobustdesegurusgoin2hibernatemode,nmostorallfd
sheepgoingtowardsMFmaniatodaywilblosersatdendfdrainbowwhiledesewolveswhogivcrap
advicewillaughdeirwaytosuperrichstatus,LAZYhumansmustwakeupninvestinsmallbusiness,
workhard,takerealrisks,givemploymenttodneedynseehwmoneywilchaseu,wakeupdumbos,
Scripbox,cnudare2hvatruthfularticlesuggestingclearlythtmoneycantbmadeonponzischemes
lykstockmarkets,bczmarketsrmeanttosuckmoneyoutfdsmalgysnkeepenrichingdambanisn
tatas,
3
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KushalKumar>TruthSayerSoothsayer 3monthsago
Youseemstohavelosthugemoneyinstockmarket))
ThereisalwaysacaveatinvestmentshouldbedoneinMFforlongterm.Also,nowhereinthe
articleithasbeenmentionedtoinvestinStockmarket,whichIfindabitconservativeandatthe
sametimesensiblebecauseitverydifficulttotrackinvestmentbylaymen.
Reply Share
Deb>TruthSayerSoothsayer 2monthsago
Idon'tunderstand,howlopsidedyourviewsare.Pleasegetawholesomepicture,don'tfollow
somebiasedviewsoflunatic.
Withoutstockmarketandsubsequentinvestmentbypeople,thereisnoeconomy,forgetrunning
yourbusiness.
Getoutofourdumbmodeattheearliest.
Reply Share
ParthaSarathiBasuBaul>Deb 2monthsago
WhatTruthSayerSoothsayerhassaidisentirelyright.Andtheydonotforgettoemployee
likeyou.Youpeoplearealsofromthesameherdofwolf,justcoveredwithasheepskin.
1
Reply Share
Consultant4Telecom 2monthsago
thismightbemathematicallyrightbutthereareappreciatingassetswhichneedstobepartofthe
investmentandmutualfundetcmustnotbemorethan20%astheyaredoubleedgesword.insteadfixed
interestthingslikelongtermfd/bondetcwithhighassuredreturnscanbeexplored.attheselevelsfor
novicepersonthismaybebiggestgoofup.Plsavoidhalfbakedinfotomasswhichmaybelifeshockfor
some&lossmakingforothers.
1
Reply Share
SreedharaMurthyBN 3monthsago
Savingsdependontheplaceyoureside.InplaceslikeMumbai,Delhietc.itisnotpossibletoleada
normallifewithameagresalaryofrs.18000.Thenwherethequestionofsaving30%.Thesecalculations
arebasedonassumptions.Inrealityitishighlyimpossible.
1
Reply Share
HomeStateBank adayago
Sageadviceforanyonelookingtogetintoinvesting.Thanksforsharing!
Reply Share
gokul 2daysago
Bestisinvestonlandfreeoflitigationofdecentsizeandholditfor20years.Itwillfetchyouthereturnby
beatingtheinflationatcontemporarymarketrate.Fortier13cities,thisdefinitelywillbegreatbet.Also
bestinvestmentisinvestonhousewith20yearsloansothatpostretirementrentalburdenwillnotbe
there..Ifmoneyleft,then30%FD,3040%onSIPs/Mutualfunds/2030%onreturnearnedinsurance.
Terminsurancestandaloneisalossofmoney.Ratherpayextra78Kwherebysamecoveragewillbe
therewithmoneybackoptionattheendofthetenureofthepolicy.Atanypointoftimeweshouldhave
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therewithmoneybackoptionattheendofthetenureofthepolicy.Atanypointoftimeweshouldhave
atleast56monthssalaryasliquidableinvestmenttomeetanyexigencies.Allthesearegreatifyour
incomeismorethan5060KpermonthinatierIIortierIIIcity.Otherwisewithcurrentinflation,allyour
incomewillgotoyourhouseholdexpenseonly.ifTierI,thecapis1Lakhp.matleast.
Reply Share
Alex 12daysago
Whatif,thequestionistoreplacesalarywithinvestmentandreceiveimmediatereturnsthatenablemeto
quitthejobimmediately?
Assume50kassalaryandage28.
Reply Share
AmitShahane 25daysago
IthinkinvestmentinFD&PPF@fixedinterestrateiswaybetterthaninvestmentinMForEquities
wherereturnsarenotfixed.
Reply Share
Raghu 2monthsago
BewareofMF.Wherewillyouget14%constantreturninMFforlongterm?Andmanytimeitgoes
negativealso.AndMFmanagementco.willkeepcharging23%Admincharge,evenyouearnnegative.
MFarefalsemarketing.Thefinancialco.getfixedreturnfor23%eithertheyincreaseordecreaseyour
money.InstartofMFtheywillmanagetoshowthegoodgain.Onceitssellcloses...youhavetoexit
afterfewyearsofloss....butMFco.willgetconstantreturnforthemselves.
Reply Share
PrashantKumar>Raghu 3daysago
IfyoulookingattheIndexfundforanywhereintheworldmarket...withatimeframeof2530
years,italwaysatleastgivereturnfrom1316%...Theexpenserationisverylowinthat...0.15
%.Thatisalmostnegligible
Reply Share
QQ987 2monthsago
Wouldliketoknowdetailsofyourportfoliosanjivsinghal,afterthatonlyiwillconsiderfinancialadvice
fromyou.
Reply Share
scripboxblog
Mod >QQ987
2monthsago
IinvestmymoneyentirelythroughScripbox.
Here'stheScripboxperformancetrackrecord.https://scripbox.com/pages/mut...
Reply Share
venkataramanaiahramu 2monthsago
SinceRajesh'sageisquitesmallandhispresentsalaryincomeisalsoreasonablewhichwouldenable
himtomakeagoodpercentageofaround30percentasmonthlyinvestment,andalsosinceexpectation
ofmonthlyincomeafterretirementisalsoquitesmall,itwouldnotbedifficultforsuggestinghimawayfor
achievinghisobjective.Onlytheweakersidewouldbethatifhegets18kpermonthafterhisretirement,it
couldbelikesome15%ofhismonthlyrequirementatthetimeofhisretirementtakingtheinflationandfall
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couldbelikesome15%ofhismonthlyrequirementatthetimeofhisretirementtakingtheinflationandfall
intherupeevalueetc.,intoaccount.ItwouldbebetterforRajeshtounderstandthisandmodifyhisneed
atthetimeofhisretirementasanamountequivalenttothepresent18kpermonthwhichwouldtranslate
toaround75kpermonthandthatwouldprobablyenablehimtoleadalifemoreorlessofthestandardof
lifeheisnowenjoying.
Reply Share
Pankaj 3monthsago
Goodbutyouhavenotdisclosedforhowlongthisincomewouldkeepcoming?Ifyoukeepwithdrawing
theincomepartforyourexpenses.
Reply Share
scripboxblog
Mod >Pankaj
2monthsago
HiPankaj,
Youcancontinuewithdrawingtheamountaslongastheinterestrateforthebulkamount
investedisonparwiththeinterestrate.
Themoneywouldgetdepletedsooneriftheinterestrateislowerthantheinflationrate.
Reply Share
GopinathR 3monthsago
MutualFundinvestmentforlongerperiodisidealforalltimestocome.
Reply Share
AbhijitGadgil 3monthsago
OverallwellwrittenbutIthinkyoumissedoutaninterestingfactRajesh'sincomefrominvestment
shouldalsogrowwithinflationwhenheearnsit.Sotaking69000andearningitforrestofhislifeisnot
goingtohelpatall.Realisticallywithadividendyieldof12%forsomethingtoreplaceyoursalaryyour
incomeshouldbe50100timesthedividend.Sotoearnanincomeof69000pmapproximately8Lthe
corpusshouldbe48Cr!Sothecapitalgainswouldtakecareofinflationifthedividendyieldremains
constant.(Iamassumingallreturnexpectationsaremetwhichisnotveryimpossiblebutcertainlynot
trivial).Soingeneralreplacingsalaryincomefrominvestmentsisnotaviableidea,unlessonecan
generatealphaofhis/herown!:)Thatdoesn'tmeanoneshouldn'tsaveandinvestwiselyjustthatone
shouldsetrealisticexpectations.
Reply Share
Raghu 3monthsago
I'msorry,butcompounding14%returnonequityfundsdoesnotworkinreallife.Whatistakenasthe
returnhere(14%)isthechangeinmarketvaluesbetween2periodsandnotcashflowstoinvestors
therefore,inreality,thereisactuallynocashflowthatisgettingcompoundedyearonyeartogenerate
thesefantasticreturnsitisdifferentforaFD,whichisacontractualinvestment,wherethereisafixed
interestflowwhichcanbeseenascompounding(solongastherearenodefaultsandinvestorsdon't
consumeawaytheinterestpayments)whileitistruethatequitiesandMFgivebetterreturnsoverthe
longrun,weshouldnotuseanexcelspreadsheettolullusintocomplacency.Inthesameexample,the
MFreturnscandropto10%or5%orevennegativeoverthislonginvestmentperiod(becauseitisonly
themarketvaluechangesthataretakenasreturnsandnotcashflows).Ifwepluginsuchdifferential
returns(asshouldreallybethecaseforequitiesandfunds),thentheaccumulatedwealthatretirement 8/15
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returns(asshouldreallybethecaseforequitiesandfunds),thentheaccumulatedwealthatretirement
couldbedrasticallylower.
Reply Share
Anshuman 3monthsago
Ihaveabetteridea."investapartonhighdividendyieldbluechipcompanies".Thiswillgiveyoy
appreciationandannualincome.
Reply Share
SK 3monthsago
HowCanIReplaceMySalaryThroughInvesting?....
Itwasagreatarticletoread.
Sodisciplineandsmartinvestingarecoretothisconcept.NowIam40yearsold....sosuggesthowto
planforlifeafter70yearsage.
Reply Share
JosephThomas 3monthsago
Sorry.WhenyouinvestthemoneyinFDs@8%wheninflationis8%,thenetreturniszero.Notagood
idea.Bettertostayinvestedinmutualfundsorgoodequities.
Reply Share
Akshay 3monthsago
SirI'vegotnoreplytomyquerypostedyesterday...plzadvice
Reply Share
AdarshThampy>Akshay 3monthsago
DearAkshay,
Wecannotgiveoneononepersonalfinanceadvice.Pleaseconsultafeebasedfinancialplanner
foryourindividualrequirements.
Reply Share
JR 3monthsago
IthinkthisisagreatgreatwriteupSanjiv,Iwouldbealotmorecomfortableinvestingwithyourcompany
ifyoutookasmallfeefrommembersinsteadofcommissionsfromtheFundHouses...Conflictof
Interestiswhatitlooksliketome.Iamhowevergoingtoinvestsmallamountswithyouguys.
Reply Share
PardeepGoyal 3monthsago
YouexplainedverywellSanjiv.HoweverIamwonderingifmutualfundswillbeabletogenerate14%
returnsannually?
Isthereanyotherbetterinvestmentoptionwhichgivesreturnsbetween14%18%?
Reply Share
Anand 3monthsago
Thisisgood.TheotherimportantaspecttoconsiderishowmuchcorpuswouldRajeshneedtohaveto
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havethepayoutsfromitthatareinflationadjustedyearafteryear.
Reply Share
Akshay 3monthsago
HiI'veinvestedinLICmoneybackpolicy@55000/peryrwithcoverof10lacand1.5lacasmoney
backevery5thyr..I'vepaid2instalmentstillnow...ThirdisdueinJuly..ShouldIcontinueornot..IfI
stopthanwhatamtwillIlose???Pleaseadvise
Reply Share
anurag>Akshay amonthago
Ifuoptoutu'llbegettingmuchlessmoneybackthanu'vegiveninpremiumsbutanywaysit's
betterifyoustopasap.Neitherthecovernorreturnisworthinvestinginlic.
Reply Share
Anshuman>Akshay 3monthsago
surrender...asfor10Lakhstermplanuneedtopayrs3000peryear...sorestRs50k+ifuput
eveninFDuwillearnmorethan1.5laksinthreeyear...ifuinvestthesameinmutualfund...return
wouldbebetter...
Reply Share
SP>Akshay 3monthsago
Whenveryousurrenderpolicyyouloselotofmoney.Doitonlyifyoudonothavechoice.Never
trustLICagents,wealthmanagersandeventheauthorofthisarticle.Theriskisalwaysonyou,
theyhavenothingtoloseandonlytogain.
Reply Share
Fisherman 3monthsago
PleasewatchforthelastyeartotalamountIwillpayasperyouspreadsheet.
Formycase,thetotalamountof65thyear(selectedasmyretirementage)dividedby12givesavalue
whichisthreetimesmorethanwhatIexpecttogetasmonthlyreturnasperyourcomputation.Thatis
somethingImightnotlikeatthatage..
Reply Share
AdarshThampy>Fisherman 3monthsago
Themonthlyexpectedreturnshowninourcomputationisaninflationadjustedamount.This
meansthatthemonthlyamountyougetwhenyouare65willbemuchmore.
Tohelpyouunderstandbetter,weshowyouthevalueofmoneyintodaystermstakinginflation
intoaccount.
Reply Share
sailor 3monthsago
Equity/MutualfundsareriskproneandBankFDratewillnotbe9%,henceevenslighlyalteringthe
aboveparameters,theresultswouldvarygreatly.
Reply Share
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SampatBhansali 3monthsago
Doyoureallybelieve18yearsdownthelineFDrateswouldbe9%
Reply Share
disqus_diu3zjbe4x>SampatBhansali 3monthsago
No,itcouldbe2or3%ifweturntoa'developed'nation
Reply Share
PrabhavKamat>disqus_diu3zjbe4x 3monthsago
ifweturntoa'developed'nationand2or3%istheFDrates,Inflationrateswilldefinitely
bebelow2%
Reply Share
Himanshu 4monthsago
Thanksforsuchniceexplanation...onequestion...whichEquityMutualFundsisgoodforinvestment?in
currentscenariotherearenumbersofthem?
Reply Share
scripboxblog
Mod >Himanshu
3monthsago
yes,therearethousandsofschemes.Athttps://Scripbox.comwerecommendashortlistofjust8
funds4equity,2debtand2taxsavingsothatyoucaninvestwithoutmuchconfusion.
Reply Share
SampatBhansali>Himanshu 3monthsago
Therearemanygoodschemes,youhavetofilterbasisyourexpectationandrisktakingability
Reply Share
saugata 4monthsago
IhavestartedinvestingintheLIC(Traditional)attheageof30ofrs72000//annumplus10,000/pera
annuminPPFandalsostatedSIPfromthisyrof1500/.mycurrentageis37.willitgivemethedesired
financialstabilitypre/postretirement?
Reply Share
Gururaja>saugata 2monthsago
AssetAllocationistheKeyfactor.AllinvestmentsliketraditionalinsuranceplaninCompanylike
LIC,terminsurance,MutualFunds,toSomeextentGoldorGoldETF,RealEstate,FD,RDETC
ismustinLIFE.LIChassovereignGuaranteebyGovernmentwhichFDinnationalizebanksare
notenjoying.WhatevertheamountofFDs,onlyyouareassuredof1lakhperbranch...Thatway
safetyalsocomesintopicture.MutualFundsarebestforlongterm.Pleaseuseitwiselyifyour
Goalsarelessthan15years.SIPisthebestoptioninsteadofsingleinvestment.Butbetween
these..don'tforgetterminsurance.....
AllocationstoDebtInstrumentsupto20to30%(ofyourtotalsavings)ifyouarebelow40and
balancetothehighgrowthequity.Amixoflargecap,hybridFunds,BalanceFundsisabetter
option.
Asperthestudiestheaveragelifeofamutualfundsis29monthsinIndia.Forsome,otherSlow
GrowthbutSafeinvestmentswillworktomakethemdecipline.Sowemustbelieveinthissystem
firstbeforemakinginvestment.Ifyouinvestwithlotofdoubts,itwillconsumemostofyour
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firstbeforemakinginvestment.Ifyouinvestwithlotofdoubts,itwillconsumemostofyour
earningtime!Sohaveabeliefsystemineverythingyoudo..
Toconclude,pleasedonotbiaswithtraditionalplans,mutualfunds...aslongasyouknowyour
limit..Butdon'thangtoonlyoneinvestment...ConsultyourFinancialPlanners...Havenice
investmenttimeahead...(trytounderstandmyviewsandnotqualityofEnglish..)
Reply Share
Anshuman>saugata 3monthsago
Increaseyourmutualfundsipasmuchaspossible...thiswilltakecareofyourretirement
Reply Share
rakesh>saugata 3monthsago
WhatistheinsurancecoveryouaregettingfromLIC?Iassumearound67lacs.Isthatwhat
yourlifeisworth.Asathumbruleyoushouldhaveinsurancecover10timesofyourannual
income.IfIwereyou,Iwouldtakecoverof50lacsat9000perannumandrestwouldgoinMF.
InfactthatiswhatIdo.
EducateyourselfaboutMFandthenyou'llknowthepowerofequity,mydearfriend.Thiskindof
mistakeisdonebymostofthepeoplewhoarefinanciallyilliterate.
Reply Share
Eye>saugata 4monthsago
investinginLICwasabaddecision!
YoucaninvestthesameamountinMFsandgetwayhigherROI(Returnofinterest)comparedto
LIC.
Reply Share
harri 4monthsago
Goodwriteup.MayIsuggestthattheissueofinflationduringtheperiodoffinalincomegenerationbe
alsoconsidered.Theaccumulatedcorpusmaygenerateincomeequaltosalaryinyear1butwillfall
shortduetoinflationfromyear2onwards.Tocounterthat,theincomegeneratedshouldbe10%more
thanthesalarywiththisextra10%beingreinvestedtotakecareofinflationinfollowingyears.
Reply Share
AdarshThampy>harri 3monthsago
DearHarri,
Youarerightinthatfromyear2onwards,youhavelowerreturnsduetoinflation.However,there
isalsoaportionofyourcurrentincomethatyouaresavingtoday.That%youaresavingtoday,
youcansaveduringretirementtoprotectyourselffromfutureinflationduringyourretirement
period.
1
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