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Assuming that it will be left as it is and continues to earn the same growth, unless required in the case of an event. In that case, we start a SWP.

@kt71 You can play around with values in Excel. Even my liabilities aren't paid off. So I reduce my saving rate to pay off the liabilities. (e.g. save 30k and use 70k to pay off liabilities). Everything else that needs to be paid for should be over and above the saving rate for annuity corpus...

@mrdean36 on the contrary, I've tried to simplify the math - by proportioning what needs to go into annuity savings vs other goals.

@zashmaster Thank you.

corrections made.

@robary Thanks for pointing out the math. Will make corrections. A lot of debt funds pay 7.5% and above, are fairly stable. Taxes can be otherwise contribute to buffer if not paid to govt per tax deductions.

Core of investment is to cover the monthly cost of living: Assume that current expenses monthly are: 60,000 INR (This includes following items at current cost: house maintenance, food, phone+internet, house-help, fuel, electricity+gas, personal expenses, OTT subscriptions, medical expenses if...