Introduction: Why a 2 Crore Corpus Matters
A 2 crore retirement corpus can provide NRIs and HNIs a comfortable, luxury lifestyle post-retirement in India. With inflation and lifestyle expectations rising, relying solely on bank FDs or volatile equity markets may not be sufficient.
Bajaj Guaranteed Plans offer a risk-free path to accumulate wealth, generate monthly income, and secure family legacy—all while giving you peace of mind.
Start your retirement planning today: WhatsApp: wa.me/8517125619
Step 1: Determine Your Retirement Goals
Before building a corpus:
- Desired Retirement Age: 55–60 is ideal for early planning.
- Monthly Retirement Income Needed: ₹1–2 Lakh per month for luxury lifestyle.
- Retirement Duration: 20–30 years of post-retirement life.
Example: To get ₹1.5 Lakh/month post-retirement, a 2 crore corpus is sufficient with guaranteed income plans.
Step 2: Choose Bajaj Guaranteed Plans
Benefits for NRIs
- Risk-Free Growth: Capital is safe from market volatility.
- Assured Returns: 5–8% annual returns depending on plan type and tenure.
- Flexible Payouts: Monthly, quarterly, or lump-sum options.
- Life Cover & Nominee Security: Protect family even in unforeseen circumstances.
- Tax Benefits: Eligible for Section 80C deductions.
Popular Plans for Retirement Corpus:
- Bajaj Guaranteed Wealth Plan – Fixed returns with lump-sum or pension options.
- Bajaj Retirement Income Plan – Monthly pension to maintain lifestyle.
- Bajaj Long-Term Savings Plan – Ideal for HNIs seeking a secure corpus over 25–30 years.
Step 3: Calculate Investment Needed
| Tenure | Monthly Investment | Expected ROI | Maturity Corpus |
|---|---|---|---|
| 10 years | ₹1.5 Lakh | 6% p.a. | ₹2 Crore |
| 15 years | ₹85,000 | 6% p.a. | ₹2 Crore |
| 20 years | ₹55,000 | 6% p.a. | ₹2 Crore |
By starting early, NRIs can reduce monthly contributions and still achieve a 2 crore corpus.
Step 4: Diversify for Additional Security
While Bajaj guaranteed plans form the core corpus, consider diversifying for extra growth:
- Mutual Funds / Equities (30–40%) – Moderate risk, higher returns over long term.
- NRE/NRO FDs – Safe, repatriable liquidity.
- Premium Real Estate – Rental income and appreciation.
Diversification ensures steady income and a luxury lifestyle, even if market conditions fluctuate.
Step 5: Maturity Examples
Example 1: 10-Year Plan
- Investment: ₹1.5 Lakh/month
- Expected Corpus: ₹2 Crore
- Monthly Pension (Optional): ₹80,000–1 Lakh
Example 2: 15-Year Plan
- Investment: ₹85,000/month
- Expected Corpus: ₹2 Crore
- Monthly Pension: ₹70,000–90,000
Example 3: 20-Year Plan
- Investment: ₹55,000/month
- Expected Corpus: ₹2 Crore
- Monthly Pension: ₹60,000–80,000
Flexible options allow lump-sum or pension withdrawals based on lifestyle needs.
Why NRIs Prefer Bajaj Over Bank FDs
| Feature | Bajaj Guaranteed Plans | Bank FDs |
|---|---|---|
| Returns | 5–8% p.a. | 3–6% p.a. |
| Risk | Risk-free | Safe, but lower returns |
| Payout Options | Monthly / Annual / Lump-sum | Only lump-sum maturity |
| Life Cover | Optional | Not available |
| Tax Benefits | Yes (80C) | Limited |
Bajaj plans offer higher ROI, flexible payouts, and life cover, making them ideal for building a 2 crore retirement corpus.
Step 6: Tips to Achieve Your Corpus Faster
- Start Early: Compounding works best over long periods.
- Review Annually: Adjust contributions for inflation or lifestyle changes.
- Nominate Beneficiaries: Ensure family security.
- Diversify Wisely: Include growth assets for corpus enhancement.
- Opt for Incremental Plans: Some plans allow yearly increase in premiums for better corpus growth.
Conclusion – Secure Your 2 Crore Retirement Today
With Bajaj Guaranteed Plans, NRIs can:
- Build a risk-free 2 crore retirement corpus
- Ensure steady monthly income
- Maintain a luxury post-retirement lifestyle
- Protect family and legacy
Start building your 2 crore corpus today: WhatsApp: wa.me/8517125619
