Are you blindly trusting your SIPs to fund your life 20 years from now? In this deep-dive episode of Paisa Vaisa, Anupam Gupta (@b50) welcomes Sameep Singh, Business Unit Head at Policybazaar , to solve the "Final Boss" of personal finance: Retirement. We tackle a question every Indian professional is asking: "How do I generate a ₹1 Lakh post-tax monthly pension?" Using a 40-year-old in Mumbai as a case study, we break down the brutal reality of 7% inflation and why a simple savings account won't cut it.

We explore the "Young India" bias why our demographic is obsessed with picking the next multibagger stock but completely ignores the 30-year period after their last salary. Sameep explains the critical "Humbling Years" of the stock market and why your withdrawal strategy is more important than your investment returns. We also introduce the 3% Withdrawal Rule and how it ensures you never outlive your money. From understanding medical inflation (which is growing at 14%!) to why your parents’ FD interest is shrinking due to "Reinvestment Risk," this episode is a masterclass in long-term survival. If you want to stop guessing your future and start building a bulletproof retirement pot, this conversation is for you. Don't forget to stick around for the "Don't Touch the Pot" rule the single habit that separates wealthy retirees from the rest.

Key Takeaways -


Early Start: Compounding works best over 30 years, transforming even small amounts into massive wealth.


Tax Efficiency: Low-cost ULIPs under ₹2.5L premium offer tax-free returns, avoiding the 12.5% LTCG tax on Mutual Funds.


Health Priority: Buy health insurance young to fight medical inflation and ensure premiums don't skyrocket later.


Safety Net: A safe withdrawal rate is ideally 3%, supplemented by guaranteed income in bad market years.


Adequate Cover: A ₹1 Crore term plan is often insufficient for long-term family goals like education and retirement.


Lock-in Gains: Annuity plans protect seniors from "Reinvestment Risk" when bank FD rates drop over time.


From decoding your personal finances to demystifying business models, Paisa Vaisa delivers candid, insightful, and jargon-free conversations.

Listen on Spotify, Apple Podcasts, Amazon Music, JioSaavn, Gaana & more 
Watch full episodes right here on YouTube
Explore more at ivmpodcasts.com

Connect with Anupam Gupta: 
Twitter: @b50
Instagram: @b_50 
LinkedIn: Anupam Gupta 

Follow IVM Podcasts
We’re @ivmpodcasts on Facebook, Twitter & Instagram

Are you blindly trusting your SIPs to fund your life 20 years from now? In this deep-dive episode of Paisa Vaisa, Anupam Gupta (@b50) welcomes Sameep Singh, Business Unit Head at Policybazaar , to solve the "Final Boss" of personal finance: Retirement. We tackle a question every Indian professional is asking: "How do I generate a ₹1 Lakh post-tax monthly pension?" Using a 40-year-old in Mumbai as a case study, we break down the brutal reality of 7% inflation and why a simple savings account won't cut it.
We explore the "Young India" bias why our demographic is obsessed with picking the next multibagger stock but completely ignores the 30-year period after their last salary. Sameep explains the critical "Humbling Years" of the stock market and why your withdrawal strategy is more important than your investment returns. We also introduce the 3% Withdrawal Rule and how it ensures you never outlive your money. From understanding medical inflation (which is growing at 14%!) to why your parents&rsquo; FD interest is shrinking due to "Reinvestment Risk," this episode is a masterclass in long-term survival. If you want to stop guessing your future and start building a bulletproof retirement pot, this conversation is for you. Don't forget to stick around for the "Don't Touch the Pot" rule the single habit that separates wealthy retirees from the rest.
Key Takeaways -
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Early Start: Compounding works best over 30 years, transforming even small amounts into massive wealth.
</li>
<li data-prosemirror-content-type="node" data-prosemirror-node-name="listItem" data-prosemirror-node-block="true">
Tax Efficiency: Low-cost ULIPs under ₹2.5L premium offer tax-free returns, avoiding the 12.5% LTCG tax on Mutual Funds.
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Health Priority: Buy health insurance young to fight medical inflation and ensure premiums don't skyrocket later.
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Safety Net: A safe withdrawal rate is ideally 3%, supplemented by guaranteed income in bad market years.
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Adequate Cover: A ₹1 Crore term plan is often insufficient for long-term family goals like education and retirement.
</li>
<li data-prosemirror-content-type="node" data-prosemirror-node-name="listItem" data-prosemirror-node-block="true">
Lock-in Gains: Annuity plans protect seniors from "Reinvestment Risk" when bank FD rates drop over time.
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 From decoding your personal finances to demystifying business models, Paisa Vaisa delivers candid, insightful, and jargon-free conversations. Listen on Spotify, Apple Podcasts, Amazon Music, JioSaavn, Gaana &amp; more Watch full episodes right here on YouTube Explore more at ivmpodcasts.com Connect with Anupam Gupta: Twitter: @b50 Instagram: @b_50 LinkedIn: Anupam Gupta Follow IVM Podcasts We&rsquo;re @ivmpodcasts on Facebook, Twitter &amp; Instagram

Paisa Vaisa is India's premier podcast on personal finance, boasting over 4 million downloads, featuring over 200 hours of insightful content and discussions, hosting more than 250 guests, and presenting a wealth of knowledge through over 450 episodes. Since 2017, Paisa Vaisa hosts experts from mutual funds, stocks, real estate, loans, education financing, insurance, and much more. It has recently introduced a sub-series offering valuable insights in businesses and entrepreneurship.

You can catch this podcast on YouTube 'Paisa Vaisa with Anupam Gupta' or find it on top audio streaming platforms like Apple Podcasts, Spotify, Amazon Music, Google Podcasts, JioSaavn, Gaana, and others.

Paisa Vaisa is India's premier podcast on personal finance, boasting over 4 million downloads, featuring over 200 hours of insightful content and discussions, hosting more than 250 guests, and presenting a wealth of knowledge through over 450 episodes. Since 2017, Paisa Vaisa hosts experts from mutual funds, stocks, real estate, loans, education financing, insurance, and much more. It has recently introduced a sub-series offering valuable insights in businesses and entrepreneurship. You can catch this podcast on YouTube 'Paisa Vaisa with Anupam Gupta' or find it on top audio streaming platforms like Apple Podcasts, Spotify, Amazon Music, Google Podcasts, JioSaavn, Gaana, and others.

The Paisa Vaisa podcast helps you understand all things money so that you can make well-informed financial decisions. Understand the basics every week as host, Anupam Gupta, talks with experts across a wide spectrum of the banking and financial services