E-book: Post-retirement income generation strategies

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.

Post-retirement planning is a unique and fascinating  genre in personal finance. I was introduced to it when  Subra wrote a fascinating comment to an article in young Jagoinvestor.

Subra basically said, ‘those who do not know how to manage their post-retirement income should not DIY while accumulating the necessary corpus’. The comment was replete with jargon associated with income management. I have it saved somewhere in my old computer but could not retrieve it for this post. Thankfully, Subra has done a full article on this: Financial planning is simple!

There are many things he says in this post that needs to be done. I would like to believe that in the last four years, I have done at least some of it, often in consultation with Subra.

This e-book is a compilation of this effort. cover

The first three posts discuss traditional ways of managing a corpus.

1 How Annuity Plans Work

2 Investment options for senior citizens

3 Low interest rate regime: investment options for senior citizens

The fourth, asks the most important question.

4 When should senior citizens purchase an annuity?

If your corpus does not pass the test mention in this post, the rest of the e-book maybe of little relevance to you. You can then consider options mentioned in post 1,2 and 3.

The fifth post presents a way to answer four retirement planning questions.

5 Four Simple Retirement Planning Tools

The remainder of the e-book deals with the active management of a retirement corpus

6 Generating an inflation-protected income with a lump sum

7 Income Ladder Calculator

8 Inflation-protected Income Simulator

9 Illustration: Passive Income Generation

10 Illustration: Generating inflation-protected post-retirement income

Download the E-book: Post-retirement income generation strategies

 

A related post which I choose to leave out of this compilation is the The Retirement “Bucket Strategy” Simulator

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2 thoughts on “E-book: Post-retirement income generation strategies

  1. Hello Pattu , Is there any criteria to select UST Debt Fund like for Liquid and Short Term Fund you have spoken of lowest standard deviation , I am looking at investing in UST and rolling over for a period of 10 year keeping safety of capital has highest criteria , Thank You

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