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

Published: May 8, 2016 at 7:34 am

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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

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.

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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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About the Author M Pattabiraman author of freefincal.comM. Pattabiraman(PhD) is the author and owner of freefincal.com.  He is an associate professor at the Indian Institute of Technology, Madras since Aug 2006. Pattu” as he is popularly known, has co-authored two print-books, You can be rich too with goal based investing (CNBC TV18) and Gamechanger and seven other free e-books on various topics of money management.  He is a patron and co-founder of “Fee-only India” an organisation to promote unbiased, commission-free investment advice. Pattu publishes unbiased, promotion-free research, analysis and holistic money management advice. Freefincal serves more than one million readers a year (2.5 million page views) with numbers based analysis on topical issues and has more than a 100 free calculators on different aspects of insurance and investment analysis. He conducts free money management sessions for corporates  and associations(see details below). Previous engagements include World Bank, RBI, BHEL, Asian Paints, TamilNadu Investors Association etc. Contact information: freefincal {at} Gmail {dot} com (sponsored posts or paid collaborations will not be entertained)
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I conduct free seminars to employees or societies. Only the very basics and getting-started steps are discussed (no scary math):For example: How to define financial goals, how to save tax with a clear goal in mind; How to use a credit card for maximum benefit; When to buy a house; How to start investing; where to invest; how to invest for and after retirement etc. depending on the audience. If you are interested, you can contact me: freefincal [at] Gmail [dot] com. I can do the talk via conferencing software, so there is no cost for your company. If you want me to travel, you need to cover my airfare (I live in Chennai)

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Do check out my books

You Can Be Rich Too with Goal-Based Investing

You can be rich too with goal based investingMy first book is meant to help you ask the right questions, seek the right answers and since it comes with nine online calculators, you can also create custom solutions for your lifestyle! Get it now.  It is also available in Kindle format.
Gamechanger: Forget Startups, Join Corporate & Still Live the Rich Life You WantGamechanger: Forget Start-ups, Join Corporate and Still Live the Rich Life you wantMy second book is meant for young earners to get their basics right from day one! It will also help you travel to exotic places at low cost! Get it or gift it to a young earner

The ultimate guide to travel by Pranav Surya

Travel-Training-Kit-Cover This is a deep dive analysis into vacation planning, finding cheap flights, budget accommodation, what to do when travelling, how travelling slowly is better financially and psychologically with links to the web pages and hand-holding at every step.  Get the pdf for ₹199 (instant download)

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Your thoughts are vital to the health of this blog and are the driving force behind the analysis and calculators that you see here. We welcome criticism and differing opinions. I will do my very best to respond to all comments asap. Please do not include hyperlinks or email ids in the comment body. Such comments will be moderated and I reserve the right to delete the entire comment or remove the links before approving them.


  1. I have definitely read these posts previously ,but as a compilation ,It has great value.
    let me re read them before i can comment.
    Thank you a lot for following important problem of every one’s life so passionately.
    Wish you all, all the best

  2. I have you previous ebooks and without a doubt, they are wonderful resources.

    I just have one point: I found several typos in those. I was not sure whether you’d like to be notified or whether you’d be upset at the nitpicking.

  3. I have been a long-time reader and admirer of your blog. Great information that you are providing.
    I do have one question- you are quite rightly focused on the high inflation in India (8-9% in your estimates) as a big risk to retirement (early or otherwise). But if you look at the long-term projections of inflation made by the World Bank or OECD etc. for India it is in the 4-5% range. That is in line with the current global trend of lower inflation due to improved productivity (i.e. due to technological improvements) and declining population growth (also true in the case of India- our population growth rate is down). Double digit inflation for short periods of time is certainly possible but do you think its possible for inflation in India to be 8-9% annualized over a 30-40 year period (the typical retirement time-frame)? What implications does that have for resource utilization and economic growth? Are there examples in history of countries having such hyper-inflation persist for decades? Also its interesting from an investment perspective- if inflation in the developed world is 2-3% (which it has been for quite some time now) and in India is 8-9% then investing a portion of our portfolio in foreign currency might be the way to go for the long term (either directly or through funds that invest in foreign stocks). One would think such a large differential in inflation will certainly lead to continued rupee depreciation over the long term- so if you are spending in rupees and have a portion of your wealth in dollars or pounds, that should be a hedge against inflation. Not sure if there are legal ways for Indians to invest in foreign currencies or stocks and what you think of this strategy as an inflation hedge?

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