Invidious

If You’ve Earned 25× Your Annual Income Once — It May Last Forever

We tested a simple idea most people ignore:
If you ever build a corpus worth 25× your yearly expenses, can you live off it forever?

Let’s find out 👇

We assumed:

Monthly expense = ₹1 lakh

Inflation = 7 % per year

So back in 2008, ₹1 lakh today was worth only ₹31,657 then.
That means yearly expense = ₹3.7 lakh,
and 25× of that = ₹94.9 lakh.

Now imagine investing that full ₹94 lakh lump-sum in Nifty 50 Index Fund right at the start of 2008 — just before the global crash.

By February 2009, your portfolio would have fallen to ₹47.6 lakh.
Half your money gone.
Most people would panic and sell.

But suppose you stay invested and simply withdraw your expenses every month (inflation-adjusted).

Over the next 213 months (~17 years):
💸 You would have withdrawn a total of ₹1.26 Crore,
and still be left with ₹2.8 Crore today.

That’s the power of staying invested.
You don’t need to beat the market — you need to stay through it.

25× your annual expense can truly become money that never runs out.

📊 Assumptions used:

Nifty 50 annual return ≈ 12 % (average)

Inflation = 7 % p.a.

Withdrawals adjusted yearly for inflation

Taxes and switching costs not considered

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You can join this week’s free Financial Freedom Webinar.

📈 Shubham will share 4 proven strategies from his 12 years of experience —
how to plan your portfolio for the next bull run and manage money the smart way.
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⚠️ Important Note:
Actual results depend on market returns, taxes, and inflation.
Past performance does not guarantee future returns.

🧾 Disclaimer:
This content is for educational purposes only and not investment advice.
Please consult a SEBI-registered financial advisor before investing.

#InvestingIndia #FinancialFreedom #Nifty50 #Compounding #PassiveIncome #WealthBuilding #LongTermInvesting

1 week ago | [YT] | 136

@halflife272

I believe generally the rule is 25x + y Where y indicates high ticket items like child marriage, child higher education etc which should be kept separately. Also, withdrawing money regularly from equity can be dangerous, ideally we should split it in debt for cashflow bucket and equity for long term growth bucket and rebalance periodically

1 week ago | 1