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RETIREMENT CORPUS DEPLETION
Why a 9% personal inflation rate could change your retirement corpus calculationsEquity can fall 30-40% in a bad year, so money needed in the next few years must never sit there. A conservative investor may hold less. Fe...- Retirement planning: Why the US retirement model may not work for Indian retireesThe Indian institutional framework poses unexpected risks. Not only is insurance costly for seniors, it’s not available as a standardised s...
- Retiring with Rs 2 crore corpus and need Rs 8 lakh a year? Know your ideal withdrawal rate with SWR formulaCutting through money jargon, one topic at a time. This week, Sanket Dhanorkar explains what is safe withdrawal rate and how you can ensure...
- Market crash after retirement? Four retirees share lessons on how to prepare in advanceFour retirees tell us how they planned for a market fall long before it came. What these four individuals did smartly was not adjust their ...
- Is senior living worth the cost? Financial trade-offs seniors and families need to consider before making the moveAs families shrink and longevity rises, senior living offers independence, companionship and security. But the comfort comes at a real cost.
- Retirement planning: 7 golden rules you must consider for easy retirementRetirement planning should focus on generating sustainable income while ensuring the corpus lasts throughout life. Key factors include acco...
- Can Rs 2 crore retirement corpus generate Rs 2 lakh monthly income for 20 years after retirement?Planning your retirement corpus is crucial. A Rs 2 crore fund may not last 20 years with high withdrawals. Experts suggest a bucket strateg...
- Can Rs 1.5 crore retirement savings give you Rs 1 lakh monthly income for 20 years? Here’s the mathWith a Rs 1.5 crore retirement corpus earning 6%, withdrawing Rs 1 lakh monthly can last about 22 years, leaving little balance. Slightly h...
- From Rs 2 crore retirement corpus, how much monthly income can you withdraw in retirement?Retiring with a Rs 2 crore corpus requires careful planning for monthly income. Experts suggest safe withdrawal rates between 3-5% annually...
- Want Rs 50,000/month income at retirement for 25 years? You can follow these 3 expert strategiesSecuring a Rs 50,000 monthly inflation-adjusted income for 25 years in retirement is achievable. Experts suggest a corpus between Rs 85 lak...
- Market fall threatening Rs 22 lakh loss on Rs 2 crore retirement corpus? Here are smart strategies to protect and grow your savingsSharp market fluctuations can significantly deplete retirement savings, especially for those heavily invested in equities. Experts advise a...
- Want Rs 50,000 monthly at retirement: Report reveals corpuses you need for FD, annuity and SWP investmentsPlanning for retirement income of Rs 50,000 monthly requires different corpus amounts. A Fixed Deposit needs Rs 2.30 crore. Life Annuity re...
- Rs 1 cr corpus, Rs 60K monthly income at 60: Expert explains how Rs 20K SIP starting at 50 can achieve it in 10 yearsA financial planner proposes a two-stage strategy for those nearing 50 to build a Rs 1 crore corpus by 60 and then withdraw a Rs 60,000 mon...
- 5 ways your retirement math can go wrong and what to do about itToday, retirement planning needs a revamp. Traditional methods that rely on forecasts often fail. Sequence-of-return risk can deplete savin...
- How ‘Mehengai’ impacts your real rate of returnInflation impacts stakeholders like companies, investors, and the economy. Central banks manage inflation. Real Rate of Return is crucial f...
- 'Sequence of returns’ risk can wreck your retirement planning: How to protect retirement corpus from it'Sequence of returns’ risk is the risk of negative returns occurring later in your working years and/or early in your retirement life. It p...
- How to plan your retirement: 5 mistakes to avoid if you want an easy retired lifeThinking that the retirement corpus must remain untouched and subject to no risk is a mistake. It has killed the quality of life of many re...
- Your dad’s retirement corpus is not your mutual fund 'project'We believe one should not use mom’s or dad’s retirement corpus to learn the ropes of investing in mutual funds. Sure, mutual fund universe ...
- Why women need to save more than men for a secure retirementBeing a woman puts you at a disadvantage when building your retirement corpus as you will need to save at least twice as much as a man.
- What are the financial risks during retirement?Underestimating the effects of inflation on expenses through the retirement period is one of the biggest challenges of retirement planning.
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