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Retirement Planning : For the Young at Heart 

Retirement Planning ( Q&A)
  • When do we need to start retirement Planning ?
  • What are the things to consider while planning for Retirement ?
  • How do I know how much I should  save for my retirement ?
  • My expenses are too high now ? Can I start saving once my Income goes up ?
  • What is Longevity Risk ? How to mitigate Longevity Risk ?

                       101 of  Retirement Planning

10/11/2016

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101 of Retirement Planning



Retirement  is for the old , it's boring if not depressing to talk after retirement . However it need not be the like this.


Retirement can also be seen as freedom from

the 9 to 6 job . … from the grumpy , self promoting bosses …. From the endless emails …. From the time slavery .

It may mean more time to do things you always wanted to do . Your painting , singing , travelling … and for some programming , App development , new startup , cooking , and what not !


So here we are to discuss retirement from the day to day routine , not from enjoying life !


  1. When do you plan to retire . How early or how late do you plan to retire . As intuitively we understand this will depend on your existing savings  , post retirement expenses ET all .
  2. What will be your yearly expenses after retirement : Once you retire , and your kids grow and move out , our expenses are expected to come down . You need to make an estimate of the expenses based on the same .
  3. How far into the future you need to plan : We have to keep in mind that life expectancy are increasing . We have to keep in mind the same in our planning .
  4. What are your present assets and liabilities : A simple list of all your existing assets , and liabilities .
  5. What are your return expectations : How do you plan to invest your retirement savings . What's your risk appetite . How dependent are you on this savings . Can you take a large loss in capital ? How comfortable are you with high volatility ? Is your Risk appetite in line with your risk taking abilities ?
  6. What are the expected inflation rates : Inflation is the killer . It can make all plans go haywire . What are the expected long term inflation rates ? What's the inflation expected for medical expenses ? In the past few years medical inflation is more than double of the general inflation . With growing age our medical expenses are expected to increase.​
  7. Do you have any pension plan : Do your company provide  Definite benefit or Defined contribution pension plan . If not are you subscribing to government sponsored pension plans . Have you chosen the investments options carefully.
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The information on this site is strictly the author's opinion. It does NOT constitute financial, legal, or other advice of any kind. You should consult with a certified adviser for advice to your specific circumstances. 
  • Home
  • Morning Tea
  • Markets
    • Stock Investing
    • Multibagger Stocks
    • Technical Analysis
    • Mutual Funds
  • Personal Finance
    • EMI Calculator
  • Retirement Planning
  • Real Estate Investment
  • Quotes for Investment
  • Ask us
  • About us
  • Contact
  • Her Money
  • Blog