Retirement Planning
Funding the decades when your salary stops but your expenses do not.
Lessons
- How Much Do You Need to Retire?Turning your monthly expenses into a retirement number, with inflation and longevity built in.
- The 4% Rule (and Its Limits)A famous rule of thumb for safe withdrawals — where it helps and where it breaks for India.
- Accumulation vs DrawdownBuilding the corpus is half the job; spending it down without running out is the other half.
- Sequence-of-Returns RiskWhy a crash just after you retire hurts far more than the same crash mid-career.
- Building a Retirement PaycheckAnnuities, SWPs and bucket strategies — turning a corpus into reliable monthly income.