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Personal Finance | Rules of Thumb Part 2
Money Rules for a Family, a Loan and a Shorter Runway. The 4% Rule Has Only a 77.7% Chance in India.
Kavya searched "how much life insurance do I need" and got three answers: ₹ 90 lakh, ₹ 1.5 crore, ₹ 3 crore. Past 35, a generic rule of thumb is a real risk. Rebuild the life cover, home price, health cover and retirement rules with Indian numbers.
₹ 2.27 Cr
Kavya's needs-based life cover, vs ₹ 1.5-2.25 Cr flat rule
79%
Of take-home on one EMI at the 'average' 7.5x home price
77.7%
30-year survival of the 4% rule on Indian market data
₹ 75L
Extra corpus on ₹ 9L expenses at 3% vs 4% withdrawal

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