You and your spouse are contemplating retirement, what are the important things to do? Well let us start at the very beginning. Assuming that you are Doing It Yourself, or you have an adviser (but you are not sure of his competence) it is time that you take charge. First and Foremost go into a […]

Subra I recently attended your Retirement Planning seminar in our office, and came away impressed. I am 54 years of age and have about Rs. 1 crore in bonds and about Rs. 10 lakhs in equities. I hope to have about Rs. 2.5 crores at age 60, please tell me how to reconcile between safety […]

I hate thumb rules, and let me repeat that, I hate thumb rules. The thumb looks very different from the other fingers, so what rules apply to it, cannot apply to the other fingers. However, there are a few rules which work in retirement / for retirement. Let us look at 3 of them: Start […]

  You did not like school, but you went for 12 years of your life. You breezed through your college but did not learn much. Depending on where you did your MBA you slogged or breezed through. Or you slogged for you CA membership. Cut to a job. You enjoyed it. Then by 43 you […]

Why did I use the word Retirement Planner and not Financial Planner? Simply because these days the terminology is changing and changing fast. Soon you will find Retirement coach, retirement planner, retirement communities, …remember in 20 years from now we will have the highest number of people over the age of 60 in the WORLD. […]

You have slowly, but surely built a nice nest egg. You are looking forward to a long retired life. You have a nice mix of assets, a mix of income streams, and you are confident that age 60 to end of life is well planned. Is there ONE thing which can completely destroy your retirement […]