As the cost of living rises and markets remain unpredictable, planning for a secure retirement has never been more critical. For many Indians, the challenge isn’t just building wealth, it’s ensuring that income lasts through the golden years, keeps pace with inflation, and weathers economic uncertainties.
In an article for ABP Live, Dr Arindam Banerjee, Professor (Finance) and Director of the Master of Applied Finance & Wealth Management, Head of Alumni Relations for the Middle East and Africa, and Director of the Executive Program in Global Strategic Finance at SP Jain Global, outlines strategies to help retirees manage risk, protect income, and create a portfolio designed for long-term stability.
He explains the three-bucket strategy; cash for 0 - 3 years, government securities for 3 - 7 years, and stocks, REITs/InvITs, plus 5–10% gold for long-term growth. He stresses rebalancing, holding 25–40% in equities for inflation protection, using STPs to move cash into stocks, and setting aside 12–24 months of medical costs while keeping nominations, wills, and SIPs updated.
With the right approach, retirees can enjoy financial stability and peace of mind, even in uncertain times.
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