Retired at 50 with Rs 1.50 lakh expenses - Will Rs 4.25 crore MF and equity corpus last lifetime?

A 50-year-old retiree with Rs 1.5 lakh monthly expenses faces a crucial question about their Rs 4.25 crore mutual fund and equity corpus. Experts suggest a 9.5% annualised post-tax return is needed. To ensure longevity, a gradual shift from equity to debt is advised. A balanced portfolio includes 35-65% equity, 12-15% gold, and the rest in debt.