List of investments suitable for building a retirement bucket strategy

A reader asks, “What are the best options for Income bucket investments?” This a reference to our retirement bucket strategy. So we shall list all possible investments suitable for building retirement buckets. A bucket strategy is a post-retirement investment plan to manage inflation-protected withdrawals (income) and investment for the near-term and long-term. So we have…

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What are the investment options for 50-plus retirees?

A reader writes, “There are many investment options for senior citizens. However, today many people retire or are forced to well before 60. Where can such people invest for regular income and cash preservation and wealth creation?” Today even those above 60 are forced to look beyond traditional savings instruments to protect their money from…

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Is retirement planning guesswork? How can we be sure of the assumptions used?

A reader writes, “One of the big unknowns is the real expense during retirement. We can make an educated guess based on current living expenses etc, however, the surprises are likely to come and disrupt. Medical expenses are a big surprise – post a certain age, insurance is also not available. While hospitalization and treatment…

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I retire from the armed forces in 8 years can I be financially independent?

A member of the armed forces writes, ” Hello sir, I am a continuous follower of your financial advice and financial-related methods(YouTube and web).. thankful to you for all these practical and fact-based reviews and advice”. “Sir all of your retirement corpus planning or savings required for retirement are not mentioned whether they have a…

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How should senior citizens invest in 2022?

SEBI registered fee-only investment advisor Sriram Jayaram discusses how senior citizens should manage their money holistically in 2022. About the author: Sriram Jayaraman is a SEBI registered fee-only Investment adviser. After 27 years of working in large IT companies in India, he achieved financial independence and retired early to become a fee-only advisor. You can contact…

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Women receive lower pension income than men: the retirement savings gender gap

There is a lot of hullabaloo about glass ceilings and pay gaps based on gender across industries. However, the debate often fails to recognize that this leads to a disparity in retirement savings. About the author: Smriti is an author, artist, freelance content writer and avid reader. She quit her six-year-long IT career to embrace…

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Use this annuity ladder calculator to plan for retirement with multiple pension streams

Use this annuity ladder calculator to find out how to beat inflation after retirement using multiple income streams. We all appreciate the importance of a secure income (pension) after retirement. However, inflation also has to be factored in. The primary requirement for fighting expenses increasing in retirement is a robust corpus. To accumulate this, we…

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