This is the archive of all our articles related to retirement planning
The employee pension scheme (EPS) is a component of the employee provident fund that provides a pension to its subscribers. Yesterday, news about how Mr. Praveen Kohli got a 1200% hike in pension created a stir. This was because, in October 2016, the Supreme Court directed the EPFO to increase the pension of 12 petitioners as…
Continue reading →Suppose we have Rs. one Crore with us today, can we retire with it? Let us punch some numbers in the freefincal robo advisory template and check what good is Rs. 1 Crore. One Crore is a psychological or emotional benchmark for wealth. Financially it is just one followed by seven zeros with its value…
Continue reading →In this post, I discuss reader Abhay Deol’s question: As anyone who has played with a retirement calculator knows, the corpus required for the retirement portfolio is huge. And from all accounts, most Indians are not prepared for it or even realize the huge amount required. What I’m curious about though is why hasn’t this crisis played…
Continue reading →A friend asked me this question: “I currently have an asset allocation of 60% equity and 40% fixed income. My retirement is many years away. Why can’t I continue to hold 60% equity after retirement too? In fact, all my life?”. Since the answer is not a simple “yes” or “no” and since it can…
Continue reading →For a person who has been investing in equity (directly/indirectly) for several years, the question, “how much equity exposure should I have after retirement?” is not so hard to answer. However, that is not the case for most 50+ investors heading towards retirement. They would have little or no experience with equity or any market-related…
Continue reading →‘Can I invest in such a way that my capital is protected?’ is a question that many ask. Especially those who are retired, or about to retire. The answer is contextual. The term capital protection can take two meanings depending on how we use it. In this post, I discuss the disadvantages of capital protection,…
Continue reading →A catch-22 situation is one from which there are no easy solutions. Any move we make will be associated with significant disadvantages and risk. Such situations are often found in retirement planning. Whether you are a middle-aged employee heading towards retirement or a young earner trying to manage their parents’ retirement fund, understanding when a…
Continue reading →Given a lump sum, how do we invest it in order to create a reliable income stream that is risk-free and has the ability to keep pace with inflation? This is the most crucial question that concerns every person who is retired, nearing retirement, or planning for someone else’s retirement (a client or a parent…
Continue reading →Ever wondered why the retirement corpus we need is so large? Often unbelievably so. Is this a mistake in the math, in the assumptions or in the inputs? In this post, let us a discuss a simple illustration of a retirement calculation in order to understand why the corpus required is so large. Any calculation…
Continue reading →I see more and more young earners trying to manage the retirement corpus of their parents. In a way, this is healthy and in a way dangerous. Let us face it. Most retirement corpuses are not healthy enough. In the sense that one cannot wield them to generate an inflation-protected post-retirement income. This is especially…
Continue reading →We had discussed Why the retirement corpus we need is so large in an earlier post. Using a retirement calculator for the first time can be a nightmarish experience. Many users have complained that the low-stress retirement calculator is low-stress before using it and high-stress after! I would like to think much of this stress is due to a lack of…
Continue reading →Here is a compilation of past posts on how and when to generate inflation protected income with a lump sum for financial independence. This e-book can be used by early retirees, senior citizens and young earners who are trying to optimise income for their parents from their retirement benefits. This is the fourth such compilation. The…
Continue reading →P V Subramanyam, CA, author (retire rich) and blogger(subramoney.com) spoke on retirement planning to a group of about 50 people last year (May 29th 2015) at Chennai. Here are the videos (a re-post). Note: The videos were shot by me using a DSLR. The audio is decent without a headphone and pretty good with a headphone and…
Continue reading →This is a ‘how to play’ guide for the retirement ‘bucket strategy’ simulator that was published more than three years ago. Many have used the simulator and provided feedback. I thought it maybe a good time to revive the idea since more and more people are interested in post-retirement income strategies. They can be categorised into…
Continue reading →All long-term financial goals require periodic review to ensure that they are on track and in line with expectations and assumptions made while planning for the goal. Here are seven easy steps to review the health of your financial freedom or retirement portfolio. First posted on Mar 25 2014, now republished with updates. Retirement is…
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