If you are about to retire and do not have a pension, then you need to get that income for meeting your needs from your portfolio. Typically, when someone about to retire, I have seen that there is some sort of anxiety that kicks in. It is understandable too. After a long, long time, the […]
The 60-40 Portfolio is not dead
The 60-40 portfolio is one of the most popular portfolio asset allocation for long term investors. Even for those who want to start out with equity investing. The popular old version of the 60-40 portfolio is that you invest 60% of money into equity for capital appreciation and 40% in fixed income for reducing volatility […]
Retirement Planning – Who cares?
We are living in an age where very few of us want to think about retirement leave alone retirement planning. This is an age where jobs are not fixed or assured and you are likely to change jobs multiple times. In fact sometimes we change careers wholesale. I know of a software engineer who now runs an adventure travel […]
Worry free retirement planning in an uncertain world
The world is uncertain and you see the proof of it on a daily basis. Yet, a lot of our retirement planning works under the assumption of certainty. Simple example. When it comes to investments affected by uncertainty (think equities), we simply assume one average linear rate of return for a long investment time frame. […]
Is Senior Citizen Savings Scheme an income option, post retirement?
The most important concern post retirement is the absence of a regular income. Unless you are on state pension, you will need to create your own income with your investments, in a safe and secured way. One of the options to consider is the Senior Citizen Savings Scheme. Senior Citizen Savings Scheme was started in […]