The passing of time has an impact on the manner of retirement planning. There is also a direct way in which this will impact the financial aspect of the planning process. As a person moves up in age, responsibilities multiply. There are various tasks that need to be done and along with that, there is …
Beneficial StartIn the midst of all these conditions, if an individual is able to make a start to their retirement planning efforts they have already won half the battle. They can ensure that at least a large part of their lives in old age will be spent in better times because they had the foresight …
Why Should I Save For Retirement Planning in My 20s? Read More »
Avenues For Achieving Retirement Goals Different people use different types of assets in the investment process at different points of time in the retirement planning process. Here are details of a few and the way in which an individual can use them effectively. EquitiesPeople use equities in the retirement planning process to provide the necessary …
No UrgencyPeople would tell you not to worry about all this at the current stage in life because there is still a long way to go in life and hence there is no urgency for this process. There are others who would like to enjoy their period of youth and hence would not be willing …
Many people would just not like to have some amounts as an investment in financial assets when they retire. For them, it is also important to have some real assets to show the world. This is fulfilled by gold. Gold is a common asset class present in the portfolio of Indians. This has been a …
Most people prefer to form the core of their retirement investment corpus with income-earning assets. However, there is another asset that is commonly held by people. This asset is real estate and it forms a big part of the safety element for people. Many people also consider this a necessity because when they retire their …
Debt is another important component of the portfolio of the individual. It is that part of the total investment amount that will yield steady returns and provide an element of stability to the portfolio. Even though this might not derive the entire returns of the portfolio or seem to be no match against the returns …
A lot of debt that is held by individuals is in the form of deposits and bonds. Deposits include fixed deposits with banks and company fixed deposits. Many people adopt that Government of India bonds route. There are also several debt options in the small savings basket-like monthly income scheme of the post office and …
People use equities in the retirement planning process to provide the necessary amount of growth and benefits over the long term. The benefits of this asset class will be present and clearly visible only when there is a holding of the assets for a long period of time. There are some features that one has …
Equities can be used for the purpose of retirement planning in several ways. The most common one is to invest directly into equities and hold shares in the name of the individual. Here, the person buys the shares in his own name and earns the dividend on the shares. The holder also bears the capital …
