How Much Money Do You Need to Retire?

How much money do you really need to retire? It’s a question many investors ask, and one that deserves careful planning.

The chart here shows illustrative calculations based on the “4% rule” – a widely used guideline for retirement planning.

The 4% rule suggests that, at retirement, you can safely withdraw 4% of your savings each year (adjusted for inflation) and have a high probability of not outliving your money over a 30-year period.

This means the amount of annual income you want in retirement determines how much total savings you’ll need by the time you stop working.

For example, if your target retirement income is QAR 100k per year, you’ll need around QAR 2.5 million saved. A QAR 150k income goal requires about QAR 3.8 million, while aiming for QAR 300k per year would require QAR 7.5 million.

The higher the income you want, the larger the savings needed to sustain it.

For investors in Qatar, these numbers highlight the importance of disciplined saving, investing across asset classes, and accounting for inflation, fees, and personal lifestyle choices.

The 4% rule provides a useful starting point, but your plan should reflect your unique goals and circumstances.

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