Archive for the 'Retirement' Category

Thinking of Retiring? Checklist

Get the MONEY situation right. Have it checked by a professional. Get it rechecked if you want to. Calculate your net worth: In the Indian context I am assuming that you have repaid all your loans. So your net worth is just a list of all your assets. Ignore the one house in which you […]

Top few Reasons to retire early

This is not a post on ‘advantages of retiring early’ – that would be a different post. This is just that what are the reasons why you could or should retire early…. #1 You Can Afford it:  This is a necessary, but NOT sufficient condition for retiring. If you cannot afford to retire, you cannot […]

Do not retire early if…

There are a few reasons why you should NOT retire early..some positive some negative.. #1 You love your job. Like Sachin Tendulkar or Lara or Dravid. If you love your job – of being a doctor, surgeon, dentist,  of being a wealth manager or being an IFA or an active fund management consultant. Why! even […]

Retirement Investing: a late start

“I am 44 years of age, my wife is 40 years of age..and we have only Rs. 30,00,000 for retirement and we realize that we need much much more for retirement, have you written anything for a late starter like me?” This is not an isolated case, there are many people who are hit suddenly […]

Subra on Retirement planning

talk in Chennai…interpersed with a lot of Tamil…but about 85% in English… https://www.youtube.com/watch?v=rGxmNsE_4Nw Post Footer automatically generated by Add Post Footer Plugin for wordpress.

How much risk to take in a Retirement Portfolio…part 2

http://www.subramoney.com/2017/01/how-much-risk-to-take-in-a-retirement-portfolio-part-1/ Those people who want less volatility in their retirement portfolio should of course invest in less volatile assets. The examples for this are of course bank fixed deposits, endowment policies, PPF, and other government schemes. There is only one hassle – as these savings products will yield close to zero or a slight negative […]

How much risk to take in a Retirement Portfolio? Part 1

Subra, I have invested in a pension fund, an equity fund and a balanced fund for my Retirement. I do not like the value of my whole basket fluctuate – should I shift to a debt oriented basket? Fluctuation scares me, help! Answer: Your question is not unique. Many (most?) people I meet have this […]