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Gen Z’s Golden Game Plan: Retire by 45 Without Being a Millionaire

Updated: July 20, 2025 08:57

Image Source: CNET

Forget the grind till 60—today’s 21-year-olds can unlock financial freedom by 45 with a smart, disciplined investment strategy. The Economic Times and News18 outline a practical roadmap that doesn’t require extreme wealth, just early action and consistency.

Key Takeaways:

1. The Retirement Math

- Monthly expenses of INR 50,000 today will inflate to INR 2.02 lakh by age 45

- To sustain this for 35 years post-retirement, a corpus of INR 4.01 crore is needed

- Achievable by investing INR 24,221/month via SIP for 24 years with 12% annual returns

2. Smart Portfolio Strategy

- Large-cap mutual funds for stability

- Mid/small-cap funds for long-term growth

- Beta funds to capture market momentum

- ETFs for low-cost passive exposure

- Gold ETFs/Sovereign Gold Bonds to hedge inflation

- International funds for global diversification

3. Pre-Retirement Shift

- Transition to debt mutual funds, long-duration bonds, and fixed-income products

- Use SWPs and annuities for stable post-retirement income

4. Ongoing Portfolio Management

- Regular reviews and rebalancing to adapt to inflation, interest rates, and global trends

- Avoid “set it and forget it”—stay responsive to market dynamics

5. Success Formula

- Start early

- Be consistent

- Diversify wisely

- Monitor regularly

- Stay invested long-term

Final Thought:

Retiring at 45 isn’t a fantasy—it’s a math-backed possibility for Gen Z with clarity, discipline, and time on their side.

Sources: The Economic Times, News18

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