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Over the next 213 months (~17 years): 💸 You would have withdrawn a total of ₹1.26 Crore, and still be left with ₹2.8 Crore today.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
⚡ Want to learn how to build long-term investing systems combining cashflow + compounding?
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. Also get a short free course instantly when you register.
⚠️ 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.
Financially Free™
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
⚡ Want to learn how to build long-term investing systems combining cashflow + compounding?
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.
Also get a short free course instantly when you register.
👉 Register here: shorturl.at/o1jWM
⚠️ 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