Early Retirement in India -How to Retire Early Safely: Free E-book

Published: May 8, 2016 at 7:34 am

Last Updated on March 1, 2019 at 5:01 pm

How to retire early in India safely by age 40 or age 50? If you have this questions, this e-book is for you! Retirement is an oft-discussed topic at freefincal  with a fair share of exposure to  early retirement. Here is a compilation of seven such posts in the form an e-book. This is the third such compilation.

The first was aimed at young earners, Starting Early, Starting Right and the second on DIY money management.

The third is on early retirement and fourth on post-retirement income generation strategies.

Retirement is typically when a person becomes a senior citizen or is just about to and stops being gainfully employed. Early retirement is when a person wants to quit a salaried job to either start a new enterprise where income is not guaranteed or wants to spend time doing things that they love, regardless of compensation


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Early retirement is when a person wants to quit a salaried job to either start a new enterprise where income is not guaranteed or wants to spend time doing things that they love, regardless of compensation.

Early retirement is only independence from the shackles of a monthly salary and not the cessation of work or income from it. With enough corpus to fall back on for regular expenses, the ‘work’ can just about be anything, even nothing!

Therefore, the primary goal is to accumulate the ‘enough corpus’. How much is enough? What are the assumptions behind calculating the corpus? What are the dangers associated with early retirement? What can go wrong? How to track progress? These are some of the questions answered in the e-book.

Early Retirement in India -How to Retire Early Safely: Free E-book

Early retirement in India is quite different from what is discussed at popular US blogs like ERE and MMM. It is quite easy to calculate with a high real return (excess return above inflation) and arrive at a pleasing corpus. However, early retirement is fraught with many dangers. High inflation and an unlucky sequence of returns from equity can spell disaster. Therefore is it is extremely important to err on the side of caution. This compilation is an attempt to highlight such issues while also providing (links to) a list of tools to plan and track your early retirement.

Early retirement is not possible by everyone. The investible surplus (income-expenses – liabilities), along with copious amounts of luck is important to decide the health of a corpus.

At the same time, early retirement is not impossible. An onsite assignment is not necessary. Young earners who can invest with dedication for the next 10-20 years can hope to retire by age 50.

Download the “how to retire early in India” E-book.

Download a calculator to find out how much corpus is required to retire early

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Pattabiraman editor freefincalDr. M. Pattabiraman(PhD) is the founder, managing editor and primary author of freefincal. He is an associate professor at the Indian Institute of Technology, Madras. He has over ten years of experience publishing news analysis, research and financial product development. Connect with him via Twitter, Linkedin, or YouTube. Pattabiraman has co-authored three print books: (1) You can be rich too with goal-based investing (CNBC TV18) for DIY investors. (2) Gamechanger for young earners. (3) Chinchu Gets a Superpower! for kids. He has also written seven other free e-books on various money management topics. He is a patron and co-founder of “Fee-only India,” an organisation promoting unbiased, commission-free investment advice.
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Most investor problems can be traced to a lack of informed decision-making. We have all made bad decisions and money mistakes when we started earning and spent years undoing these mistakes. Why should our children go through the same pain? What is this book about? As parents, what would it be if we had to groom one ability in our children that is key not only to money management and investing but to any aspect of life? My answer: Sound Decision Making. So in this book, we meet Chinchu, who is about to turn 10. What he wants for his birthday and how his parents plan for it and teach him several key ideas of decision-making and money management is the narrative. What readers say!
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