Key takeaways
- Gap visibility is the first step: quantify shortfall clearly.
- Small annual SIP step-ups can materially close the gap.
- Review inflation and post-retirement return assumptions yearly.
Inner Page
Problem: retirement corpus is behind target
When retirement planning is underfunded, improve outcome by increasing contributions, extending horizon, and refining allocation assumptions.
Action path
- Run retirement corpus estimate with realistic inflation.
- Back-solve required SIP for target closure timeline.
- Track annual progress and rebalance if off target.