RETIREMENT
For most of us, a fundamental aspect while planning our retirement investments is to ensure that our retirement savings provide enough income for our loved ones’ needs and sustain our lifestyle. We also try and allocate our funds in a manner to safeguard that we don’t outlive our assets. There are a wide variety of ways to ensure that we get “retirement ready”.
Here’s a checklist for your retirement portfolio that you can consider:
Now, the question is, are you “retirement ready”?
While it may be impossible to plan for every single eventuality, it does offer some peace of mind to know that you’ve taken all the possible measures you could to insure yourself for the future. If you’ve come up with your ideal retirement investment plan, then it should allow you to spend your later years in a manner where you don’t need to compromise on your standard of living. You would also have accounted for some unforeseen expenses that may arise. This would mean your portfolio would have a suitable balance of guaranteed income plans, guaranteed pension plans and capital preservation.
Since each investor is unique, your retirement investment portfolio checklist will also need to be so. It will therefore depend on your individual risk tolerance, investment objectives and the time frames you set for yourself. Eventually, you as the investor and your personal goals will be the greatest influencing factors that shape your retirement portfolio.
Doesn’t the thought of retirement sound blissful? No work, no deadlines, and all your hours spent doing the things you love, like travel, painting, and even napping in the afternoon! If you want your retirement to be what you have always dreamed of, start retirement planning now and save a considerable retirement corpus in time. The online Retirement Calculator can help you plan your future financial goals and ensure you achieve them within the stipulated time.
Disclaimer:
The aforesaid article presents the view or an independent writer who is an expert on financial and insurance matters. PNB MetLife India Insurance Co. Ltd. doesn’t influence or support views of the writer of the article in any way. The article is informative in nature and PNB MetLife and/ or the writer of the article shall not be responsible for any direct/ indirect loss or liability incurred by the reader for taking any decisions based on the contents and information given in article. Please consult your financial advisor/ insurance advisor/ before making any decision.
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