The strategy was first unveiled in a comprehensive YouTube video released last month, which has since garnered attention from the financial community and early retirement enthusiasts across India.
In a bold step toward redefining personal finance for Indian investors, seasoned research analyst Rohit Tripathi has introduced a game-changing 3‑Bucket Investment Strategy, designed specifically to help individuals plan and achieve early retirement with confidence and precision.
With skyrocketing costs, inflation pressures, and extended life expectancy, the traditional “retire at 60” model is increasingly out of sync with modern aspirations. Indians are now being told they may need to amass as much as ₹3.5 crore to maintain a comfortable post‑career life. Recognizing this urgency, Rohit has developed a strategy tailored for Indian households—one that balances risk, growth and security through a tri‑bucket framework.
The strategy was first unveiled in a comprehensive YouTube video released last month, which has since garnered attention from the financial community and early retirement enthusiasts across India. The video not only outlines the strategy in detail but also walks viewers through practical tools, market simulations, and real-life implementation scenarios. It is now available for public viewing on Tripathi’s YouTube channel.
Related Articles
Rewriting Retirement for India
As cost-of-living and job insecurity - particularly in fast-evolving sectors like IT - continue to shape the financial ambitions of India’s working professionals, Rohit Tripathi’s 3-Bucket approach offers a clear, actionable blueprint for escaping the 9-to-5 grind.
Unlike traditional single-fund strategies, the 3‑Bucket system segments retirement investments into:
Bucket 1: Liquid Fund Reserve – This ensures immediate cash flow for the next 12–24 months, safeguarding against market volatility.
Bucket 2: Hybrid Safety Net – Invested in balanced advantage or conservative hybrid funds, this acts as a volatility buffer and provides mid-term liquidity.
Bucket 3: Long-Term Growth – Divided into 3A: Stocks and 3B: Mutual Funds, this bucket drives corpus growth through equity participation and dividend generation.
This structure ensures that retirees or early retirees can maintain stable, inflation-adjusted withdrawals while preserving capital and weathering downturns without panic.
A Made-in-India FIRE Blueprint
Tripathi’s strategy is deeply contextualized for Indian conditions - factoring in real Nifty data, Indian inflation rates, local investment vehicles, and investor psychology. The video delves into nuances often ignored by global FIRE models, such as:
- Dividend-adjusted drawdowns
- Emergency corpus sizing (3 years post-retirement)
- Indian tax treatment of instruments
- Step-up SIP simulation with real market CAGR assumptions
The accompanying calculators on RetireWithRohit.com allow users to simulate withdrawal lifespans, rebalancing intervals, and even test portfolio stress under actual market return sequences. Viewers can personalize the strategy based on their expenses, timelines, and risk appetite.
Why It Matters Now?
In a recent HSBC report, affluent Indians were told they may need ₹3.5 crore or more to comfortably retire. With shifting job markets and early burnout on the rise, particularly among urban professionals, Tripathi’s model addresses a growing need: how to retire early without sacrificing lifestyle or security.
Community Impact and Response
Since its release, the video has sparked vibrant discussions across financial forums, WhatsApp groups, and Reddit threads. Early adopters are already sharing their modified corpus estimates, refilling strategies, and feedback on the calculators provided.
One viewer, Raaga1994, said: “I'm finance fanatic, consume lot of finance content. But this is one of the finest presentation I've seen in a while. Hats off to you sir. Watched this video for 3 times straight”
Tripathi’s long-form, data-backed, and no-fluff content style is increasingly resonating with the FIRE community in India, especially among 25–45-year-olds exploring alternative career paths or semi-retirement.
Where to Watch?
The video, titled “3-Bucket Strategy for Early Retirement in India”, is available on YouTube and continues to draw thousands of viewers seeking a practical, math-driven path to financial independence.
▶️ Watch now: https://www.youtube.com/watch?v=wHHQWY1uLHc
Viewers can also access downloadable Excel tools, sample expense templates, and calculators via: RetireWithRohit.com
About Rohit Tripathi
Rohit Tripathi is a SEBI registered research-analyst, content creator, and stock market educator. He holds multiple NISM Certifications in various streams like Research Analyst, Mutual Funds & Retirement Advisor.
