INCOME TAX10 Sept 2026
Retirement planning: Is your corpus enough if you live beyond India's average lifespan? Run this 5-step longevity check
A new report warns that retirement plans often use India's average life expectancy at birth of 70.3 years. This affects anyone nearing retirement. Someone aged 70 may live closer to 83, a gap of about 13 years, and about 12.6% of 60-year-olds reach 90. Poor market returns in your first retirement decade also matter, so review your corpus carefully.
Key Statutory Highlights
- India's headline life expectancy at birth is 70.3 years, but someone who has already reached 70 could have an implied total lifespan closer to 83 years.
- About 12.6% of 60-year-olds reach age 90, so relying on one average life expectancy figure may not fit your own situation.
- The report cites research showing that roughly 77% of a retirement portfolio's eventual outcome can be decided by returns during its first decade of withdrawals.
Actionable Advice for Taxpayers / Founders:Check whether your retirement plan assumes a single average lifespan, and consider speaking to a qualified financial or tax advisor about building in a longer, more realistic horizon before assuming your corpus is enough.
Statutory Disclaimer: TaxQue Shorts are AI-assisted editorial briefs for compliance awareness. This brief has not passed every source check; confirm the original notification before acting. This does not constitute formal legal or CA counsel.
TaxQue News Desk
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