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50-year-olds Rs 80 lakh retirement dilemma: FDs wont beat inflation and arent tax-efficient. Whats the smarter route?

A 50-year-old with 80 lakh in FDs and 60,000 monthly expenses can target 1.23 crore in five years by adding limited equity exposure. Experts recommend hybrid funds, SWP withdrawals, and delaying retirement to boost long-term financial security