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

Register for the Hyderabad DIY Investor Workshop Nov 27th 2016

Check out the latest mutual fund returns listing


Buy our New Book!

You Can Be Rich With Goal-based Investing A book by  P V Subramanyam (subramoney.com) & M Pattabiraman. Hard bound. Price: Rs. 399/- (Rs. 359/- at Amazon.in). Read more about the book and pre-order now!
Practical advice + calculators for you to develop personalised investment solutions

Thank you for reading. You may also like

About Freefincal

Freefincal has open-source, comprehensive Excel spreadsheets, tools, analysis and unbiased, conflict of interest-free commentary on different aspects of personal finance and investing. If you find the content useful, please consider supporting us by (1) sharing our articles and (2) disabling ad-blockers for our site if you are using one. We do not accept sponsored posts, links or guest posts request from content writers and agencies.

Do more with freefincal!

Blog Comment Policy

Your thoughts are vital to the health of this blog and are the driving force behind the analysis and calculators that you see here. We welcome criticism and differing opinions. I will do my very best to respond to all comments asap. Please do not include hyperlinks or email ids in the comment body. Such comments will be moderated and I reserve the right to delete  the entire comment or remove the links before approving them.

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

  1. Austin Joseph

    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


Do let us know what you think about the article