Someone in my family I deeply respect, a man who never chased money in his life, recently came to me with a five lakh rupee MLM pitch. It shook me. This is what retirement really does to good people, and what a genuine second income looks like instead.
You spent 30 years building a retirement corpus. So why are you still living like you haven't? The hardest retirement question in India isn't how much to save. It's knowing when you have enough to actually live.
Zero equity in retirement feels safe. But inflation, longevity, and falling interest rates create a different kind of risk that does not show up on Day One. A SEBI-registered advisor explains.
SWP is a tool, not a retirement strategy. The real strategies — Bucket Strategy, Guardrails, Dynamic Glide Path — protect against sequence risk, adjust to markets, and beat inflation for 30 years. The definitive guide.
After 25 years of advising senior executives on retirement, here is my honest view on NPS — what works, what doesn't, and whether you should invest in it. Updated for 2026 with current fund performance data.
Medical inflation in India is running at 11.5-14% annually — nearly 3x general inflation and the highest in Asia. A Rs 5 lakh hospitalisation today could cost Rs 69 lakh in 20 years. A comprehensive 2026 guide to healthcare planning for retirement, including IRDAI's latest reforms and the three pillars every senior executive needs.
Yesterday, a Twitter thread went viral.
45-year-old product manager in an IT company with ₹3 lakh in-hand salary and 20 years of experience
Retirement target: ₹10...
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