Retirement Planning Eggs in a Basket

Retirement Planning Eggs in a Basket

Retirement Planning Eggs in a Basket

One of the most common mistakes done by most of the retired or recently retired persons is to put majority of their money in same or similar investment avenues, like bank FDs, real-estate, Gold, Post Office instruments, etc. All eggs in one basket is never a good mantra to follow whether it is physical eggs or retirement nest-egg! The article below deals with this aspect as also the eroding effect that inflation has on the retirement corpus. A 4-step strategy to be followed is also suggested for living a golden retired life. The basic issue is to plan well, execute well, monitor well and thus, LIVE WELL.

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Comments (2)

  • Radhika Shah Reply

    When investing in a retirement plan, you need to consider certain parameters like income, taxes, and returns. Here are some retirement plans you can choose to invest in.
    LIC Jeevan Akshay 6 Plan
    SBI Life Saral Pension plan
    HDFC Life – Click2Retire
    ICICI Pru- Easy Retirement

    May 16, 2019 at 4:18 am
    • Sanjeev Govila Reply


      Taking an annuity through Insurance based retirement plans is one of the most tax-inefficient as also investment-inefficient route. Such plans offer no tax benefits, annuity returns are notoriously bad and one gets locked in for life. Some policies do have some small escape routes in the form of minor variations, but that’s just a small relief.

      An insurance product is not meant for retirement – it is actually meant just for insurance, and hence, should only be used for that. There are far better products in the market which can do this job of giving good, tax-efficient pensions more effectively.

      May 17, 2019 at 11:52 am

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