You Do Not Need ₹15 Crore to Retire Comfortably: How Bonds Can Build Predictable Retirement Income

A personal finance article arguing that a retirement corpus of around 4 to 5 crore rupees can be sufficient for a couple retiring in their early to mid-50s with monthly expenses of around 1 lakh, challenging the commonly cited 15 crore benchmark. The recommended approach splits the corpus into three buckets: bonds for predictable monthly income, index funds for long-term growth, and liquid funds for emergencies. High-cost cities or premium lifestyles may push the required corpus to 8 to 10 crore, and the piece also highlights how SEBI-registered Online Bond Platform Providers such as Jiraaf are making bond investing more accessible to retail investors.