Category: Retirement

<p>This article will show how starting an SWP once you are retired (early or otherwise) does not always guarantee a comfortable lifestyle in retirement.</p>

Retirement FIRE Portfolio Construction

The lie of enjoying financial freedom via SWP from mutual funds

This article will show how starting an SWP once you are retired (early or otherwise) does not always guarantee a comfortable lifestyle in retirement.

Published: 10 December 2024

11 MIN READ

<p>This article explores whether retirees can manage without risky equity investments if they already have a pension plan for their retirement.</p>

Pension Retirement Mutual Funds

Do Retirees with a Pension Still Need Equity Mutual Funds?

This article explores whether retirees can manage without risky equity investments if they already have a pension plan for their retirement.

Published: 24 November 2024

7 MIN READ

<p>This article explains how retirees should choose different investments for their equity, debt, and cash buckets for their post-retirement portfolio.</p>

Retirement Choosing Investments

Retirement Portfolio Strategy: How to Allocate Equity, Debt, and Cash Buckets for Maximum Security and Growth

This article explains how retirees should choose different investments for their equity, debt, and cash buckets for their post-retirement portfolio.

Published: 14 August 2024

6 MIN READ

<p>This article discusses an alternative retirement portfolio construction method for generational wealth transfer.</p>

Senior Citizens Retirement

Building Generational Wealth through an Alternative Retirement Portfolio Planning Technique

This article discusses an alternative retirement portfolio construction method for generational wealth transfer.

Published: 6 December 2023

6 MIN READ

Retirement

Late to plan retirement: how much money does this 48-year-old investor need to invest per month to retire at 60?

Many investors are late to start retirement planning. This article shows what they should do to catch up.

Published: 1 October 2023

12 MIN READ

<p>A quick retirement calculation for a reader query who has a good amount of corpus already saved for retirement.</p>

Retirement Reader Questions

How much money does this 39 year old investor need to invest per month to retire at 58?

A quick retirement calculation for a reader query who has a good amount of corpus already saved for retirement.

Published: 27 September 2023

11 MIN READ

Retirement

How big will your portfolio grow in retirement?

This article gives you a glimpse of how the power of compounding creates a multi-crore portfolio in retirement.

Published: 28 May 2023

3 MIN READ

<p>This article shows how to combine dividends from an equity portfolio with pension plans to get guaranteed income for life.</p>

Retirement Pension

How to get guaranteed income in retirement by combining dividends and pension?

This article shows how to combine dividends from an equity portfolio with pension plans to get guaranteed income for life.

Published: 14 May 2023

8 MIN READ

<p>This article explains how retirees should allocate their investments between equity, debt and cash buckets for their post-retirement portfolio.</p>

Asset Allocation Retirement

How to construct buckets for your retirement portfolio?

This article explains how retirees should allocate their investments between equity, debt and cash buckets for their post-retirement portfolio.

Published: 8 March 2023

4 MIN READ

<p>This article explains how to create a target date fund to simplify retirement planning in India.</p>

Portfolio Construction Retirement

How to invest in a target date fund for retirement in India?

This article explains how to create a target date fund to simplify retirement planning in India.

Published: 1 March 2023

13 MIN READ

<p>This article introduces the concept of the target date fund and explains why they are a good option for retirement planning.</p>

Portfolio Construction Retirement Asset Allocation

What are target date funds and why do we need them in India for retirement?

This article introduces the concept of the target date fund and explains why they are a good option for retirement planning.

Published: 26 February 2023

7 MIN READ

Retirement

How much returns should you expect from your retirement portfolio?

This article shows you the total expected returns for your retirement portfolio from the day you start investing for retirement to the day you stop drawing down from it.

Published: 11 December 2022

10 MIN READ

<p>This article discusses a quick thumb rule for retirement corpus estimation that you can do today.</p>

Retirement Portfolio Construction

How much money do you need for retirement?

This article discusses a quick thumb rule for retirement corpus estimation that you can do today.

Published: 12 October 2022

6 MIN READ

<p>This article shows how much you can withdraw from an equity mutual fund if you have a pension plan as well in retirement.</p>

Retirement Pension Safe Withdrawal Rate

How to mix an SWP from an equity mutual fund with a pension plan in retirement?

This article shows how much you can withdraw from an equity mutual fund if you have a pension plan as well in retirement.

Published: 9 October 2022

12 MIN READ

<p>We examine the results of running a long-term SWP in index funds for retirement.</p>

Safe Withdrawal Rate Retirement

What happens if you do an SWP from an index fund in retirement?

We examine the results of running a long-term SWP in index funds for retirement.

Published: 28 September 2022

9 MIN READ

<p>We discuss if it is a good idea for conservative NRI investors to create a retirement portfolio in India only with safe and risk-free investment options.</p>

NRI Retirement Fixed Deposit

Can NRIs retire in India with only safe investment options like a fixed deposit?

We discuss if it is a good idea for conservative NRI investors to create a retirement portfolio in India only with safe and risk-free investment options.

Published: 25 September 2022

10 MIN READ

<p>This article shows that if you decide to retire today, how long will the corpus last realistically based on real rates of return.</p>

Safe Withdrawal Rate Retirement FIRE

How long will your money last if you retire today?

This article shows that if you decide to retire today, how long will the corpus last realistically based on real rates of return.

Published: 18 September 2022

10 MIN READ

<p>This article shows the maximum withdrawal in SWP form that you can take out from a retirement portfolio to make it last 30 years.</p>

Retirement Safe Withdrawal Rate

Can you run a SWP from mutual funds when you are retired?

This article shows the maximum withdrawal in SWP form that you can take out from a retirement portfolio to make it last 30 years.

Published: 4 September 2022

10 MIN READ

<p>This article shows the steps to set up an investment portfolio for retirees with the help of their children.</p>

Senior Citizens Retirement Fixed Deposit

How can children help their retired parents to set up their finances?

This article shows the steps to set up an investment portfolio for retirees with the help of their children.

Published: 17 August 2022

14 MIN READ

<p>This article shows a simple retirement and review plan that anyone can follow in a step-by-step manner.</p>

Retirement Portfolio Construction Step by step

Low-stress retirement planning calculations: worked out example

This article shows a simple retirement and review plan that anyone can follow in a step-by-step manner.

Published: 3 August 2022

11 MIN READ

<p>This article talks about if investors should go with NPS for retirement planning or look at other options which give them more control.</p>

NPS Retirement

Is NPS the right option for your retirement planning?

This article talks about if investors should go with NPS for retirement planning or look at other options which give them more control.

Published: 20 July 2022

9 MIN READ

<p>This article provides guidance on choosing the right combination of equity and debt along with an allocation plan for NPS subscribers.</p>

NPS Retirement

Asset allocation for NPS: equity or debt / active or auto?

This article provides guidance on choosing the right combination of equity and debt along with an allocation plan for NPS subscribers.

Published: 22 June 2022

7 MIN READ

<p>The article investigates if you can retire in India with only 25x your expenses saved as retirement corpus.</p>

Retirement Safe Withdrawal Rate

Does the 4% SWR rule work in India?

The article investigates if you can retire in India with only 25x your expenses saved as retirement corpus.

Published: 19 June 2022

9 MIN READ

<p>This article shows you an easy step-by-step way to start retirement planning.</p>

Step by step Retirement

A low-stress step-by-step guide to creating a retirement portfolio

This article shows you an easy step-by-step way to start retirement planning.

Published: 13 April 2022

9 MIN READ

<p>This article shows you an easy way to calculate the equity allocation for your retirement corpus.</p>

Asset Allocation Retirement

How much equity should you have in your retirement portfolio?

This article shows you an easy way to calculate the equity allocation for your retirement corpus.

Published: 10 April 2022

11 MIN READ

<p>60% of the NPS corpus needs to be invested at maturity with other retirement funds as a lump sum. This post shows how.</p>

NPS Retirement Portfolio Construction

How to invest your NPS corpus to get most returns in retirement?

60% of the NPS corpus needs to be invested at maturity with other retirement funds as a lump sum. This post shows how.

Published: 6 March 2022

10 MIN READ

<p>What should you do if there is a fall in your NPS corpus just before retirement at 60? This post details the problems and shows how to remediate the risk.</p>

Retirement NPS Risk

The unknown risk in NPS that few people talk about

What should you do if there is a fall in your NPS corpus just before retirement at 60? This post details the problems and shows how to remediate the risk.

Published: 24 February 2022

14 MIN READ

<p>This post uses goal-based investing principles to keep investors on track for their retirement goals.</p>

Retirement Portfolio Review

Goal-based investing will show you how much you should have saved at 30,40,50 and retirement

This post uses goal-based investing principles to keep investors on track for their retirement goals.

Published: 13 September 2021

5 MIN READ

<p>This post answers a common question asked by investors regarding investing for retirement.</p>

Retirement Set Goals

What percentage of my salary should go towards retirement?

This post answers a common question asked by investors regarding investing for retirement.

Published: 10 September 2021

29 MIN READ

<p>This post deals with a situation where a middle aged salaried employee is forced to retire due to changing workplace situations.</p>

Retirement FIRE

How to prepare today in case you are forced to retire in the next five years?

This post deals with a situation where a middle aged salaried employee is forced to retire due to changing workplace situations.

Published: 6 September 2021

6 MIN READ

<p>This post shows a worked-out example for someone starting their career to plan for FIRE.</p>

Retirement FIRE

I am 25 and want to FIRE by 40. How much should I save per month?

This post shows a worked-out example for someone starting their career to plan for FIRE.

Published: 24 August 2021

7 MIN READ

Retirement FIRE

How can you figure out your expenses in retirement/FIRE?

This post shows an easy way to estimate your expenses in retirement/FIRE as the first step in knowing how much you need to target as a retirement corpus.

Published: 23 August 2021

8 MIN READ

<p>This post explores the pros and cons of keeping money only in fixed income throughout retirement</p>

Retirement Fixed Deposit Pension

Can you retire by keeping money only in FD or pension?

This post explores the pros and cons of keeping money only in fixed income throughout retirement

Published: 18 August 2021

8 MIN READ

<p>This post stress-tests the corpus accumulated to support your desired post-retirement expenses</p>

Retirement Pension

How much retirement corpus is enough?

This post stress-tests the corpus accumulated to support your desired post-retirement expenses

Published: 6 August 2021

4 MIN READ

<p>This post estimates the retirement corpus to reach a target spending figure and how to save for it</p>

Retirement Calculator

How much corpus is needed to spend 1 lakh per month in retirement?

This post estimates the retirement corpus to reach a target spending figure and how to save for it

Published: 5 August 2021

6 MIN READ

<p>This post describes suitable debt instruments for both pre and post-retirement investing: Provident fund, PPF, Sukanya Samriddhi, FD/RD, NCD, pension plans, RBI bonds, post office and SCSS.</p>

Retirement Choosing Investments Pension

How to choose debt instruments for retirement?

This post describes suitable debt instruments for both pre and post-retirement investing: Provident fund, PPF, Sukanya Samriddhi, FD/RD, NCD, pension plans, RBI bonds, post office and SCSS.

Published: 29 July 2021

12 MIN READ