Expert warns inflation risk in FD-only retirement plan

A 34-year-old man caring for his disabled sister asks if his ₹1 crore in FDs and ₹3 crore in property can sustain 40 years of retirement. An expert warns that 6% inflation will erode purchasing power, depleting savings in under 20 years. The advice: move ₹70 lakhs to equity mutual funds, keep ₹30 lakhs in liquid assets, and address lack of health coverage.