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How Can I Replace My Salary Through


Investing?
by Sanjiv Singhal

48 Comments

Q&A

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Recently, we received this query by E-mail.


I am 22 and earn Rs 18,000 per month. At what rate should I invest and how
should I proceed further to earn income that could replace or be equal to my
present salary.
Rajesh (Name changed)
We found this interesting on a number of levels. For starters, at 22, Rajesh is starting
to secure his financial future early in his career. Second, he understands the
importance of having a defined corpus that generates income to replace his own
thats making money work for you.
In this article, we will discuss how you can go about building a corpus that will
generate an income to replace your current salary.
How to create a corpus that replaces your income
In order to generate Rs 18,000 per month, lets start with the following assumptions
You invest 30% of your salary. In this case Rs 5,400.
You invest in equity mutual funds with an expected return of 14% annualised over the
long term
You re-invest the accumulated corpus in a bank FD with an expected return of 8%
per annum
Taxes are not taken into consideration

Rajesh will need 14 years to accumulate the required corpus of Rs 28.18 lakhs
which when invested in a Bank FD will give you Rs 18,790 per month.
Monthly SIP
(Rs)

Investment Option

Expected Rate of
Return

Years
Required

5400

Equity Mutual Funds

14%

14

5400

Bank Recurring
Deposit/PPF

9%

18

This is great. Rajesh could achieve a corpus that replaces his current salary by the
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time he is 36.
However, there is a problem with this approach. We have failed to take inflation into
account. What inflation does is reduce the value of money over time. With a given
sum of money, you will be able to buy significantly less 14 years from now. To put it in
numbers, Rajeshs current Salary of Rs 18,000 will be worth only Rs 6,128 in 14 years.
How to create a corpus that replaces your income adjusted for inflation
To get a corpus that is capable of generating this inflation adjusted (higher) income,
Rajeshwill need to save for longer. Lets see what it will take to do this. We will go
with the same assumptions as before but also consider inflation.
You invest at least 30% of your salary- (INR 5,400 in this case)
Investments happen in equity mutual funds with an expected return of 14%
annualised over the long term
You re-invest the accumulate corpus in a bank FD with an expected return of 8% per
annum
Tax implications are not taken into account
Inflation rate is 8% per annum

Rajesh will need 28 years to accumulate the required corpus of INR 2.16 crores,
which, when reinvested, will give him Rs 1,44,209 per month an amount that is
equivalent to his current salary of Rs 18,000 adjusted for inflation over 28 years.
Is there a faster way to achieve this?
Yes. And that involves increasing your saving every year by, say, 10%. This is in-line
with the increase in your income.
If you do this, you will only need 18 years to accumulate the required corpus of INR
1.03 Crores which could then generate a monthly income of Rs 69,108 an amount
equal to your current salary adjusted for inflation over 18 years.
Monthly SIP (INR)

Investment Avenue

Rate of Return

Years Required

5400

Equity Mutual Funds

14%

18

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5400

Bank Recurring Deposit/PPF

9%

28

Thats good advice for Rajesh, but what can I do?


We know every ones different so we created a comprehensive calculator. Find out
how you can get your savings to replace your income using our downloadable excel
worksheet.
Key Take Away
Start investing as early as possible
Invest in high-return long term asset classes like equity mutual funds to achieve your
goals faster
Always factor inflation into your calculations
Use our downloadable excel worksheet to find out how your money will grow
Its ideal to increase your saving/ SIP amount every year by at least 10% or more- inline with your increase in income
Take into account the tax implication of your investments. Not all investments are taxfree during maturity (Weve written many articles on this topic)

The EasiestAutomate
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AboutSanjivSinghal
CEO of scripbox, Sanjiv has worked at the intersection of finance & technology for
over 22 years. Having held leadership positions with Citibank, ABN AMRO Bank &
Kotak Mahindra, Sanjiv set up scripbox along with his friends Atul & Ravi with the aim of
simplifying personal finance for everyone. You can also follow Sanjiv on twitter @sanjivsinghal

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48Comments

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Jointhediscussion
TruthSayerSoothsayer 3monthsago

allinvestmentgurusrdsamewolfpacksoperatingacrossdworldtopromotestockmarketinvesting
andlazymoneymaking,wendmarketsgobustdesegurusgoin2hibernatemode,nmostorallfd
sheepgoingtowardsMFmaniatodaywilblosersatdendfdrainbowwhiledesewolveswhogivcrap
advicewillaughdeirwaytosuperrichstatus,LAZYhumansmustwakeupninvestinsmallbusiness,
workhard,takerealrisks,givemploymenttodneedynseehwmoneywilchaseu,wakeupdumbos,
Scripbox,cnudare2hvatruthfularticlesuggestingclearlythtmoneycantbmadeonponzischemes
lykstockmarkets,bczmarketsrmeanttosuckmoneyoutfdsmalgysnkeepenrichingdambanisn
tatas,
3

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KushalKumar>TruthSayerSoothsayer 3monthsago

Youseemstohavelosthugemoneyinstockmarket))
ThereisalwaysacaveatinvestmentshouldbedoneinMFforlongterm.Also,nowhereinthe
articleithasbeenmentionedtoinvestinStockmarket,whichIfindabitconservativeandatthe
sametimesensiblebecauseitverydifficulttotrackinvestmentbylaymen.

Reply Share

Deb>TruthSayerSoothsayer 2monthsago

Idon'tunderstand,howlopsidedyourviewsare.Pleasegetawholesomepicture,don'tfollow
somebiasedviewsoflunatic.
Withoutstockmarketandsubsequentinvestmentbypeople,thereisnoeconomy,forgetrunning
yourbusiness.
Getoutofourdumbmodeattheearliest.

Reply Share

ParthaSarathiBasuBaul>Deb 2monthsago

WhatTruthSayerSoothsayerhassaidisentirelyright.Andtheydonotforgettoemployee
likeyou.Youpeoplearealsofromthesameherdofwolf,justcoveredwithasheepskin.
1

Reply Share

Consultant4Telecom 2monthsago

thismightbemathematicallyrightbutthereareappreciatingassetswhichneedstobepartofthe
investmentandmutualfundetcmustnotbemorethan20%astheyaredoubleedgesword.insteadfixed
interestthingslikelongtermfd/bondetcwithhighassuredreturnscanbeexplored.attheselevelsfor
novicepersonthismaybebiggestgoofup.Plsavoidhalfbakedinfotomasswhichmaybelifeshockfor
some&lossmakingforothers.
1

Reply Share

SreedharaMurthyBN 3monthsago

Savingsdependontheplaceyoureside.InplaceslikeMumbai,Delhietc.itisnotpossibletoleada
normallifewithameagresalaryofrs.18000.Thenwherethequestionofsaving30%.Thesecalculations
arebasedonassumptions.Inrealityitishighlyimpossible.
1

Reply Share

HomeStateBank adayago

Sageadviceforanyonelookingtogetintoinvesting.Thanksforsharing!

Reply Share

gokul 2daysago

Bestisinvestonlandfreeoflitigationofdecentsizeandholditfor20years.Itwillfetchyouthereturnby
beatingtheinflationatcontemporarymarketrate.Fortier13cities,thisdefinitelywillbegreatbet.Also
bestinvestmentisinvestonhousewith20yearsloansothatpostretirementrentalburdenwillnotbe
there..Ifmoneyleft,then30%FD,3040%onSIPs/Mutualfunds/2030%onreturnearnedinsurance.
Terminsurancestandaloneisalossofmoney.Ratherpayextra78Kwherebysamecoveragewillbe
therewithmoneybackoptionattheendofthetenureofthepolicy.Atanypointoftimeweshouldhave

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therewithmoneybackoptionattheendofthetenureofthepolicy.Atanypointoftimeweshouldhave
atleast56monthssalaryasliquidableinvestmenttomeetanyexigencies.Allthesearegreatifyour
incomeismorethan5060KpermonthinatierIIortierIIIcity.Otherwisewithcurrentinflation,allyour
incomewillgotoyourhouseholdexpenseonly.ifTierI,thecapis1Lakhp.matleast.

Reply Share

Alex 12daysago

Whatif,thequestionistoreplacesalarywithinvestmentandreceiveimmediatereturnsthatenablemeto
quitthejobimmediately?
Assume50kassalaryandage28.

Reply Share

AmitShahane 25daysago

IthinkinvestmentinFD&PPF@fixedinterestrateiswaybetterthaninvestmentinMForEquities
wherereturnsarenotfixed.

Reply Share

Raghu 2monthsago

BewareofMF.Wherewillyouget14%constantreturninMFforlongterm?Andmanytimeitgoes
negativealso.AndMFmanagementco.willkeepcharging23%Admincharge,evenyouearnnegative.
MFarefalsemarketing.Thefinancialco.getfixedreturnfor23%eithertheyincreaseordecreaseyour
money.InstartofMFtheywillmanagetoshowthegoodgain.Onceitssellcloses...youhavetoexit
afterfewyearsofloss....butMFco.willgetconstantreturnforthemselves.

Reply Share

PrashantKumar>Raghu 3daysago

IfyoulookingattheIndexfundforanywhereintheworldmarket...withatimeframeof2530
years,italwaysatleastgivereturnfrom1316%...Theexpenserationisverylowinthat...0.15
%.Thatisalmostnegligible

Reply Share

QQ987 2monthsago

Wouldliketoknowdetailsofyourportfoliosanjivsinghal,afterthatonlyiwillconsiderfinancialadvice
fromyou.

Reply Share

scripboxblog

Mod >QQ987

2monthsago

IinvestmymoneyentirelythroughScripbox.
Here'stheScripboxperformancetrackrecord.https://scripbox.com/pages/mut...

Reply Share

venkataramanaiahramu 2monthsago

SinceRajesh'sageisquitesmallandhispresentsalaryincomeisalsoreasonablewhichwouldenable
himtomakeagoodpercentageofaround30percentasmonthlyinvestment,andalsosinceexpectation
ofmonthlyincomeafterretirementisalsoquitesmall,itwouldnotbedifficultforsuggestinghimawayfor
achievinghisobjective.Onlytheweakersidewouldbethatifhegets18kpermonthafterhisretirement,it
couldbelikesome15%ofhismonthlyrequirementatthetimeofhisretirementtakingtheinflationandfall
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couldbelikesome15%ofhismonthlyrequirementatthetimeofhisretirementtakingtheinflationandfall
intherupeevalueetc.,intoaccount.ItwouldbebetterforRajeshtounderstandthisandmodifyhisneed
atthetimeofhisretirementasanamountequivalenttothepresent18kpermonthwhichwouldtranslate
toaround75kpermonthandthatwouldprobablyenablehimtoleadalifemoreorlessofthestandardof
lifeheisnowenjoying.

Reply Share

Pankaj 3monthsago

Goodbutyouhavenotdisclosedforhowlongthisincomewouldkeepcoming?Ifyoukeepwithdrawing
theincomepartforyourexpenses.

Reply Share

scripboxblog

Mod >Pankaj

2monthsago

HiPankaj,
Youcancontinuewithdrawingtheamountaslongastheinterestrateforthebulkamount
investedisonparwiththeinterestrate.
Themoneywouldgetdepletedsooneriftheinterestrateislowerthantheinflationrate.

Reply Share

GopinathR 3monthsago

MutualFundinvestmentforlongerperiodisidealforalltimestocome.

Reply Share

AbhijitGadgil 3monthsago

OverallwellwrittenbutIthinkyoumissedoutaninterestingfactRajesh'sincomefrominvestment
shouldalsogrowwithinflationwhenheearnsit.Sotaking69000andearningitforrestofhislifeisnot
goingtohelpatall.Realisticallywithadividendyieldof12%forsomethingtoreplaceyoursalaryyour
incomeshouldbe50100timesthedividend.Sotoearnanincomeof69000pmapproximately8Lthe
corpusshouldbe48Cr!Sothecapitalgainswouldtakecareofinflationifthedividendyieldremains
constant.(Iamassumingallreturnexpectationsaremetwhichisnotveryimpossiblebutcertainlynot
trivial).Soingeneralreplacingsalaryincomefrominvestmentsisnotaviableidea,unlessonecan
generatealphaofhis/herown!:)Thatdoesn'tmeanoneshouldn'tsaveandinvestwiselyjustthatone
shouldsetrealisticexpectations.

Reply Share

Raghu 3monthsago

I'msorry,butcompounding14%returnonequityfundsdoesnotworkinreallife.Whatistakenasthe
returnhere(14%)isthechangeinmarketvaluesbetween2periodsandnotcashflowstoinvestors
therefore,inreality,thereisactuallynocashflowthatisgettingcompoundedyearonyeartogenerate
thesefantasticreturnsitisdifferentforaFD,whichisacontractualinvestment,wherethereisafixed
interestflowwhichcanbeseenascompounding(solongastherearenodefaultsandinvestorsdon't
consumeawaytheinterestpayments)whileitistruethatequitiesandMFgivebetterreturnsoverthe
longrun,weshouldnotuseanexcelspreadsheettolullusintocomplacency.Inthesameexample,the
MFreturnscandropto10%or5%orevennegativeoverthislonginvestmentperiod(becauseitisonly
themarketvaluechangesthataretakenasreturnsandnotcashflows).Ifwepluginsuchdifferential
returns(asshouldreallybethecaseforequitiesandfunds),thentheaccumulatedwealthatretirement 8/15
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returns(asshouldreallybethecaseforequitiesandfunds),thentheaccumulatedwealthatretirement
couldbedrasticallylower.

Reply Share

Anshuman 3monthsago

Ihaveabetteridea."investapartonhighdividendyieldbluechipcompanies".Thiswillgiveyoy
appreciationandannualincome.

Reply Share

SK 3monthsago

HowCanIReplaceMySalaryThroughInvesting?....
Itwasagreatarticletoread.
Sodisciplineandsmartinvestingarecoretothisconcept.NowIam40yearsold....sosuggesthowto
planforlifeafter70yearsage.

Reply Share

JosephThomas 3monthsago

Sorry.WhenyouinvestthemoneyinFDs@8%wheninflationis8%,thenetreturniszero.Notagood
idea.Bettertostayinvestedinmutualfundsorgoodequities.

Reply Share

Akshay 3monthsago

SirI'vegotnoreplytomyquerypostedyesterday...plzadvice

Reply Share

AdarshThampy>Akshay 3monthsago

DearAkshay,
Wecannotgiveoneononepersonalfinanceadvice.Pleaseconsultafeebasedfinancialplanner
foryourindividualrequirements.

Reply Share

JR 3monthsago

IthinkthisisagreatgreatwriteupSanjiv,Iwouldbealotmorecomfortableinvestingwithyourcompany
ifyoutookasmallfeefrommembersinsteadofcommissionsfromtheFundHouses...Conflictof
Interestiswhatitlooksliketome.Iamhowevergoingtoinvestsmallamountswithyouguys.

Reply Share

PardeepGoyal 3monthsago

YouexplainedverywellSanjiv.HoweverIamwonderingifmutualfundswillbeabletogenerate14%
returnsannually?
Isthereanyotherbetterinvestmentoptionwhichgivesreturnsbetween14%18%?

Reply Share

Anand 3monthsago

Thisisgood.TheotherimportantaspecttoconsiderishowmuchcorpuswouldRajeshneedtohaveto
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havethepayoutsfromitthatareinflationadjustedyearafteryear.

Reply Share

Akshay 3monthsago

HiI'veinvestedinLICmoneybackpolicy@55000/peryrwithcoverof10lacand1.5lacasmoney
backevery5thyr..I'vepaid2instalmentstillnow...ThirdisdueinJuly..ShouldIcontinueornot..IfI
stopthanwhatamtwillIlose???Pleaseadvise

Reply Share

anurag>Akshay amonthago

Ifuoptoutu'llbegettingmuchlessmoneybackthanu'vegiveninpremiumsbutanywaysit's
betterifyoustopasap.Neitherthecovernorreturnisworthinvestinginlic.

Reply Share

Anshuman>Akshay 3monthsago

surrender...asfor10Lakhstermplanuneedtopayrs3000peryear...sorestRs50k+ifuput
eveninFDuwillearnmorethan1.5laksinthreeyear...ifuinvestthesameinmutualfund...return
wouldbebetter...

Reply Share

SP>Akshay 3monthsago

Whenveryousurrenderpolicyyouloselotofmoney.Doitonlyifyoudonothavechoice.Never
trustLICagents,wealthmanagersandeventheauthorofthisarticle.Theriskisalwaysonyou,
theyhavenothingtoloseandonlytogain.

Reply Share

Fisherman 3monthsago

PleasewatchforthelastyeartotalamountIwillpayasperyouspreadsheet.
Formycase,thetotalamountof65thyear(selectedasmyretirementage)dividedby12givesavalue
whichisthreetimesmorethanwhatIexpecttogetasmonthlyreturnasperyourcomputation.Thatis
somethingImightnotlikeatthatage..

Reply Share

AdarshThampy>Fisherman 3monthsago

Themonthlyexpectedreturnshowninourcomputationisaninflationadjustedamount.This
meansthatthemonthlyamountyougetwhenyouare65willbemuchmore.
Tohelpyouunderstandbetter,weshowyouthevalueofmoneyintodaystermstakinginflation
intoaccount.

Reply Share

sailor 3monthsago

Equity/MutualfundsareriskproneandBankFDratewillnotbe9%,henceevenslighlyalteringthe
aboveparameters,theresultswouldvarygreatly.

Reply Share

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SampatBhansali 3monthsago

Doyoureallybelieve18yearsdownthelineFDrateswouldbe9%

Reply Share

disqus_diu3zjbe4x>SampatBhansali 3monthsago

No,itcouldbe2or3%ifweturntoa'developed'nation

Reply Share

PrabhavKamat>disqus_diu3zjbe4x 3monthsago

ifweturntoa'developed'nationand2or3%istheFDrates,Inflationrateswilldefinitely
bebelow2%

Reply Share

Himanshu 4monthsago

Thanksforsuchniceexplanation...onequestion...whichEquityMutualFundsisgoodforinvestment?in
currentscenariotherearenumbersofthem?

Reply Share

scripboxblog

Mod >Himanshu

3monthsago

yes,therearethousandsofschemes.Athttps://Scripbox.comwerecommendashortlistofjust8
funds4equity,2debtand2taxsavingsothatyoucaninvestwithoutmuchconfusion.

Reply Share

SampatBhansali>Himanshu 3monthsago

Therearemanygoodschemes,youhavetofilterbasisyourexpectationandrisktakingability

Reply Share

saugata 4monthsago

IhavestartedinvestingintheLIC(Traditional)attheageof30ofrs72000//annumplus10,000/pera
annuminPPFandalsostatedSIPfromthisyrof1500/.mycurrentageis37.willitgivemethedesired
financialstabilitypre/postretirement?

Reply Share

Gururaja>saugata 2monthsago

AssetAllocationistheKeyfactor.AllinvestmentsliketraditionalinsuranceplaninCompanylike
LIC,terminsurance,MutualFunds,toSomeextentGoldorGoldETF,RealEstate,FD,RDETC
ismustinLIFE.LIChassovereignGuaranteebyGovernmentwhichFDinnationalizebanksare
notenjoying.WhatevertheamountofFDs,onlyyouareassuredof1lakhperbranch...Thatway
safetyalsocomesintopicture.MutualFundsarebestforlongterm.Pleaseuseitwiselyifyour
Goalsarelessthan15years.SIPisthebestoptioninsteadofsingleinvestment.Butbetween
these..don'tforgetterminsurance.....
AllocationstoDebtInstrumentsupto20to30%(ofyourtotalsavings)ifyouarebelow40and
balancetothehighgrowthequity.Amixoflargecap,hybridFunds,BalanceFundsisabetter
option.
Asperthestudiestheaveragelifeofamutualfundsis29monthsinIndia.Forsome,otherSlow
GrowthbutSafeinvestmentswillworktomakethemdecipline.Sowemustbelieveinthissystem
firstbeforemakinginvestment.Ifyouinvestwithlotofdoubts,itwillconsumemostofyour
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firstbeforemakinginvestment.Ifyouinvestwithlotofdoubts,itwillconsumemostofyour
earningtime!Sohaveabeliefsystemineverythingyoudo..
Toconclude,pleasedonotbiaswithtraditionalplans,mutualfunds...aslongasyouknowyour
limit..Butdon'thangtoonlyoneinvestment...ConsultyourFinancialPlanners...Havenice
investmenttimeahead...(trytounderstandmyviewsandnotqualityofEnglish..)

Reply Share

Anshuman>saugata 3monthsago

Increaseyourmutualfundsipasmuchaspossible...thiswilltakecareofyourretirement

Reply Share

rakesh>saugata 3monthsago

WhatistheinsurancecoveryouaregettingfromLIC?Iassumearound67lacs.Isthatwhat
yourlifeisworth.Asathumbruleyoushouldhaveinsurancecover10timesofyourannual
income.IfIwereyou,Iwouldtakecoverof50lacsat9000perannumandrestwouldgoinMF.
InfactthatiswhatIdo.
EducateyourselfaboutMFandthenyou'llknowthepowerofequity,mydearfriend.Thiskindof
mistakeisdonebymostofthepeoplewhoarefinanciallyilliterate.

Reply Share

Eye>saugata 4monthsago

investinginLICwasabaddecision!
YoucaninvestthesameamountinMFsandgetwayhigherROI(Returnofinterest)comparedto
LIC.

Reply Share

harri 4monthsago

Goodwriteup.MayIsuggestthattheissueofinflationduringtheperiodoffinalincomegenerationbe
alsoconsidered.Theaccumulatedcorpusmaygenerateincomeequaltosalaryinyear1butwillfall
shortduetoinflationfromyear2onwards.Tocounterthat,theincomegeneratedshouldbe10%more
thanthesalarywiththisextra10%beingreinvestedtotakecareofinflationinfollowingyears.

Reply Share

AdarshThampy>harri 3monthsago

DearHarri,
Youarerightinthatfromyear2onwards,youhavelowerreturnsduetoinflation.However,there
isalsoaportionofyourcurrentincomethatyouaresavingtoday.That%youaresavingtoday,
youcansaveduringretirementtoprotectyourselffromfutureinflationduringyourretirement
period.
1

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