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1) When Does a software engineer start financial planning for retirement since the our Career span is only 15-20 years on average.
2) How much and which schemes to invest to mitigate the risk?
3) How much do we need for retirement?
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It all depends on current ctc. Expect max 30 to 35% hike on it
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20 to 25 LPA , depends on your current CTC and offers you have