well portfolio construction for a retired person has to be done far more carefully than for a person who is working towards his / her retirement

here is an article i wrote for Indian express


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  1. Subra,

    It is a good article. I agree, the debt / equity ratio depends on individual’s financial situation. It also depends on returns from debt instruments V/S inflation and income tax one pays after retirement. There will be very few tax free returns left in coming years for retired people.

    I will appreciate if you post something about the preferred debt options for retired people.


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