50-year-old’s Rs 80 lakh retirement dilemma: FDs won’t beat inflation and aren’t tax-efficient. What’s 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