Retirement

Investment planning is crucial for financial stability, involving assessment of current finances, risk tolerance, and future goals. Here are key factors investors need to keep in mind while forming strategy.

Secure your future early with EPFO, as EPF, EPS, and EDLI contributions can steadily help in building retirement savings, lifelong pension benefits, and family financial security for salaried employees across the country.

Fixed deposit investment strategies can help retirees and senior citizens generate a safe, predictable monthly income of ₹50,000 through fixed deposits, small savings schemes, and a balanced portfolio allocation strategy.

Redeeming from equity during a market downturn locks in losses permanently — the corpus never fully recovers. SWPs from debt or hybrid funds avoid this, preserving equity's compounding runway.

CA Kaushik believes that ordinary investors should not take advice from influencers who push for ₹100 crore retirement fund, calling it a ‘mathematical impossibility’ and ‘math scam’. He feels that ₹2-3 crore or even up to ₹5 crore are ‘strong, realistic numbers’.

A disciplined savings rate drives retirement planning by boosting compounding, reducing risk, and ensuring financial security, helping individuals build a stable, sustainable long-term wealth corpus.

Avoid costly personal finance mistakes in May 2026 for stronger financial growth as poor planning, emotional investing and debt misuse can erode long term wealth stability and returns.

Smita's monthly expenses are ₹1.25 lakh. To maintain her current lifestyle after 25 years, she will need ₹5.37 lakh monthly. To generate this, she should aim for a retirement corpus of around ₹16.2 crore, ideally starting with a monthly investment of ₹67,000.