{"id":6633,"date":"2025-08-20T14:48:06","date_gmt":"2025-08-20T14:48:06","guid":{"rendered":"https:\/\/tezgyan.com\/index.php\/2025\/08\/20\/heres-how-much-money-you-need-to-retire-comfortably-in-india-business-news\/"},"modified":"2025-08-20T14:48:06","modified_gmt":"2025-08-20T14:48:06","slug":"heres-how-much-money-you-need-to-retire-comfortably-in-india-business-news","status":"publish","type":"post","link":"https:\/\/tezgyan.com\/index.php\/2025\/08\/20\/heres-how-much-money-you-need-to-retire-comfortably-in-india-business-news\/","title":{"rendered":"Here’s How Much Money You Need To Retire Comfortably In India | Business News"},"content":{"rendered":"


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Among 12 countries surveyed, the US topped the list as the priciest for retirement at Rs 13 crore, while India emerged as the most affordable option<\/h2>\n
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For a secure retirement worldwide, an average of Rs 8.75 crore is required. (Representative\/Shutterstock)<\/p>\n<\/figure>\n

A recent report by HSBC has revealed the amount needed for a tension-free retirement in India. While the thought of retirement often causes anxiety among Indians, with some starting to prepare as early as 25 or 30 years old, India remains one of the most affordable countries for retirement globally.<\/p>\n

According to the report, approximately Rs 3.5 crore is necessary for a comfortable retirement in India. Although this figure may seem substantial, it is relatively low compared to the global average.<\/p>\n

US Tops List As Most Expensive Country For Retirement<\/h2>\n

For a secure retirement worldwide, an average of Rs 8.75 crore (10.5 lakh dollars) is required, up 34.6% from Rs 6.5 crore (7.8 lakh dollars) in 2024. Among 12 surveyed countries, the United States emerged as the most expensive, needing Rs 13 crore for a comfortable retirement. In contrast, India stood as the cheapest.<\/p>\n

In Singapore, about 1.39 million US dollars is needed for a comfortable retirement, while in Hong Kong, it is around 1.1 million US dollars. In China, people save approximately 1.09 million US dollars to feel secure in their retirement.<\/p>\n

The report is based on insights from 10,797 wealthy investors with investible assets ranging from Rs 83 lakh to Rs 16.6 crore. Notably, Indian investors have shifted their investment preferences over the past year, reducing cash holdings by 15% and increasing investments in gold and alternative assets such as private equity, private credit, and hedge funds, rather than stocks.<\/p>\n

Gold Leads As Top Investment Choice<\/h2>\n

Gold investment has surged the most due to concerns about inflation and economic uncertainty. Next year, 62% of Indian investors plan to allocate more funds to alternative investments like mutual funds, unit trusts, or ETFs. This aligns with the global trend, where half of the investors intend to boost their stakes in alternative assets.<\/p>\n

Property investment remains popular among Indian investors, but 40% also prioritise saving for holidays and entertainment, a trend seen across all age groups from Gen-Z to baby boomers. The way people gather investment information is also evolving, with many turning to social media, online videos, and podcasts, though the majority still trust financial advisors and bank managers. Additionally, one-third seek advice from financial influencers or \u201cfinfluencers”.<\/p>\n

Inflation, global tensions, and economic uncertainty are significantly influencing investment decisions, according to CNBC and HSBC\u2019s Jenny Wang. These issues prompt a re-evaluation of financial plans. Young investors, particularly those who begin retirement planning in their 30s, feel more confident about their financial goals. They save for vacations, financial security, and retirement. While retirement in India is affordable due to the low cost of living, rising inflation makes early planning crucial. Strategic investments in gold, mutual funds, or property at the right time can ensure a comfortable and relaxed retirement life.<\/p>\n

Stay updated with all the latest business news, including market trends<\/a>,\u00a0stock updates<\/a>,\u00a0tax<\/a>, IPO,\u00a0banking finance<\/a>, real estate, savings and investments. To Get in-depth analysis, expert opinions, and real-time updates. Click here<\/a> to add News18 as your preferred news source on Google. Also Download the\u00a0News18 App<\/a> to stay updated.<\/span><\/div>\n
News<\/a> business<\/a> Here’s How Much Money You Need To Retire Comfortably In India<\/span><\/div>\n
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Last Updated:August 20, 2025, 18:04 IST Among 12 countries surveyed, the US topped the list as the priciest for retirement at Rs 13 crore, while India emerged as the most affordable option For a secure retirement worldwide, an average of Rs 8.75 crore is required. (Representative\/Shutterstock) A recent report by HSBC has revealed the amount…<\/p>\n","protected":false},"author":1,"featured_media":6634,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[45],"tags":[],"class_list":["post-6633","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-business"],"_links":{"self":[{"href":"https:\/\/tezgyan.com\/index.php\/wp-json\/wp\/v2\/posts\/6633","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/tezgyan.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/tezgyan.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/tezgyan.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/tezgyan.com\/index.php\/wp-json\/wp\/v2\/comments?post=6633"}],"version-history":[{"count":0,"href":"https:\/\/tezgyan.com\/index.php\/wp-json\/wp\/v2\/posts\/6633\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/tezgyan.com\/index.php\/wp-json\/wp\/v2\/media\/6634"}],"wp:attachment":[{"href":"https:\/\/tezgyan.com\/index.php\/wp-json\/wp\/v2\/media?parent=6633"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/tezgyan.com\/index.php\/wp-json\/wp\/v2\/categories?post=6633"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/tezgyan.com\/index.php\/wp-json\/wp\/v2\/tags?post=6633"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}