Retirement planning: Inflation is increasing rapidly worldwide including India. Of course, it has also affected retirement planning. Nevertheless, India is still much cheaper than all the countries of the world to retire. This was revealed in HSBC’s second edition report ‘Affluent Investor Snapshot’.
Affluent Indian investors will need to save an average of Rs 3.5 crore (about 4 million dollars) for safe and comfortable retirement. At the same time, this average amount for global -rich investors is more than ₹ 8.75 crore ($ 1 million).
The report states that the average savings required for comfortable retirement have increased by 34.6% in the last one year. In the calendar year 2024, this requirement was $ 7.8 million, which increased to $ 10.5 million in 2025. The study is based on 10,797 rich investors aged 21 to 69 years. These investors had investments ranging from $ 1 lakh to $ 2 million.
Most expensive-Captained Retirement
According to HSBC report, America is the most expensive country in this survey of 12 countries. There, retirement requires an average of $ 15.7 million (1.57 million USD). In comparison, India is the most economical, where this average is only about 4 million dollars (400,000 USD).
Indian investors trend
According to HSBC report, Indian rich investors have reduced the share of cash holdings to 15% in the last one year. By reducing allocation in equities, they have increased investment in gold and alternative investment funds.
In the last 12 months, the highest investment in gold increased, followed by alternative means such as private equity, private credit and investment in Hedge Funds. These changes are an indication that inflation and Macroeconomic Risks are affecting the strategy of investors.
What will Indian investors do next?
62% of Indian investors are planning to increase investment in alternative funds. This is followed by their priority managed solutions such as mutual funds, Unit Trust and Exchange Traded Funds – ETFs.
The same trend has been shown globally. There, more than half of investors are planning to increase investment in alternative assets in the next one year. It is almost double the current level.
Where are people taking investment information?
Even if social media, online videos and podcasts have become popular. However, most investors still trust for investment advice on wealth or financial specialists and bank relationship manager (Bank Relationship Managers). Now more than one-third of investors are also including Finfluencers among their prominent advisors.
Priority of investment in property and lifestyle
Investment in Property for Indian investors remains a priority. But holidays and lifestyle savings are also becoming important for 40% of investors. This trend is also the same globally, where there is an important goal for all generations to save holidays. From Gen Z to Baby Boomers.
Who is the focus of young investors
Cost of Living, Geopolitical Uncertain and Comprehensive Economic Factors are affecting investors’ decisions worldwide.
According to generations, Younger Affluent Investors are the most confident about meeting their financial goals. These include priorities such as savings, financial security for holidays, and preparation for retirement.
HSBC’s Head of Premier Wealth Solutions Jenny Wang said, “The factor of big picture is out of our control. But they decide the options that come in front of us. The things that keep us awaken the nights, they indicate that our finity plan and investment portfolio needs to be adjusted. We can achieve the goals of our life. “
Also read: Problem in retirement planning? Use 4% rule and keep these things in mind