When planning for retirement using SIPs, is it appropriate to rely on 12% return from equity MF investments?

Many individuals rely on the 12% figure as a planning benchmark, as Indian equity markets have historically delivered such returns over extended periods. However, it is crucial to be cautious when basing your entire retirement strategy on this single assumption.

Since October 2024, the Nifty has dropped nearly 14-15% from its all-time high. This remind us that markets don’t move in straight lines.

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