Will your favourite investment category pay your retirement bills?
I guess most Redditors here are still in their active working years.
So, which fund category is your favourite for building wealth?
Flexi Cap?
Multi Cap?
Small Cap?
Mid Cap?
Equity Hybrid?
Multi Asset?
Large Cap?
Now flip over to retired you.
How confident are you that the same category that helped build your corpus will also help pay your bills?
For a 40-year retirement, assuming a 25x FIRE multiple and 7% inflation, here is how these categories stack up on portfolio survival.
Based on funds with 20 years of history.
Survival score, highest to lowest:
- Multi Asset: 90%
- Mid Cap: 78%
- Small Cap: 76%
- Multi Cap: 73%
- Equity Hybrid: 66%
- Flexi Cap: 50%
- Large Cap: 45%
Retirement = survival.
Survival trumps growth.
Are you ready to flip the switch?
What do you think?
Posted Jul 29, 2026, 1:06 PM UTC
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