Dibyendu Mukherjee - Wealth Architect & Investment Guide

01/01/2026

30/11/2025

Food 4 thought ::

By 2050, 19% of India's citizens will be above 60 years of age, according to the United Nations Population Division, but only 25% of them currently have some form of pension cover. A monthly expense of Rs.35000 today will increase to Rs.1.56 Lakhs/month 30 years from now, assuming 5% inflation p.a.

Plan your retirement by investing properly to stay 'Not Out' in the second innings of your life.

Dibyendu Mukherjee
DM FINANCIAL SERVICES

19/09/2025

A small token of appreciation received today from Nippon Mutual Fund....has been made possible due to wishes of friends and well wishers like u all🙏

25/05/2025

India has officially surpassed Japan to become fourth largest economy in the world, confirmed NITI Aayog CEO.

India’s $4 trillion economy is on its way to become third largest (beating Germany) in the next 3 years.

Top 5 world economies :

1. US $30.34 Trillion
2. China $19.53 Trillion
3. Germany $4.92 Trillion
4. India $4.39 Trillion
5. Japan $4.27 Trillion

After the 10th NITI Aayog Governing Council Meeting, CEO BVR Subrahmanyam said India is poised for rapid growth, leveraging its demographic dividend for the next 20-25 years.

Data as of April 2025

28/04/2025

Harness the power of "Compounding" through long term commitment to SIPs !!

20/04/2025

Retirement Planning Idea !!

Studies have shown that if one withdraws 4% of his retirement fund every year (adjusting for inflation), then the funds will sustain for 25-30 years of retirement without getting exhausted. For example, if one has Rs 1 crore at retirement and withdraws Rs.400000 every year, he will never run out of money in 25-30 years, assuming the funds are invested conservatively.

The withdrawal amount under Systematic Withdrawal Plan (SWP) can be calculated for the retirees using this theory.

Dibyendu Mukherjee
DM FINANCIAL SERVICES

16/06/2024

Very Interesting study on SIPs !!

A study conducted by Whiteoak Capital Mutual Fund on SIPs reveals that the chances of getting negative returns from Mutual Funds investment made via SIPs (also STPs) vanishes completely in 8 years.

Findings in Details : -

1. The "minimum return" came out as positive for 8 years at 1.4% indicating zero chances of negative returns.

2. The "minimum return" becomes 4.6% for 10 years, 6.2% for 12 years and 7.4% for 15 years. This indicates that the chances of negative returns further diminishes with rising investment horizons.

Invest with a long-term perspective and enjoy the power of Rupee Cost Averaging !!

Dibyendu Mukherjee
DM FINANCIAL SERVICES