Are you at 20.1 and planning to retire at 39.9..both years. The point is the gap is something that you will need to put precisely..is it a few years or nearly 20. Second…what is the amount that you will need at retirement? Remember to calculate your retirement yield at 7.5–8.0 per cent..ie this amount annually…and even then remove a portion for SIP investments so the growing corpus continues to happen. Third, be very sure your health/medical cover is adequately taken care of. Fourth and most importantly, dont extrapolate yield on your investments from a historical perspective but a realistic 12% CAGR. I hope you have your calculator ready and crunch the number for yourself.