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Why you must plan for a 30-year retirement
retirement strategy. Over the past few years, she has focused on consolidating real estate holdings, increasing liquid investments through mutual funds, and creating multiple income streams, such as rental income, to ensure financial stability and healthcare security in retirement.For Ahmedabad-based Vijay Vora, a chartered accountant, 75, who is currently self-employed as a management adviser and corporate consultant, retirement income comes from a mix of rental income from real estate, interest from fixed deposits, Public Provident Fund (PPF) savings, dividends, and freelancing income.Going ahead, he wants to start systematic withdrawal plans from his mutual funds.
“My investments started with housing, and over time, I added liquid funds, fixed deposits, and equities. I began investing gradually after becoming a chartered accountant, studying company balance sheets before buying shares.
Later, I moved into mutual funds as well," Vora said.He added that the idea was never speculation, but disciplined, long-term investing that could create steady income through dividends, deposits, and other financial assets.With longer lifespans and shorter careers, affluent Indians must plan for a 30-year retirement rather than a 15-year one.“The only thing in your control is how much you put in and for how long. Compounding rewards the disciplined.
Capital growth should remain an objective well into your early 60s, and your asset allocation should reflect that. Plan for a 30-year retirement.
Not 15,” said Sandeep Jethwani, co-founder of the wealth management company Dezerv.There is definitely greater awareness of retirement planning today than a decade ago. “More investors are talking about it, and many are willing to put a plan in
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