Continuing .... 65% of retirement investors feel they should have planned earlier!

A journey of a thousand miles begins with a single step.


65% of retirement investors feel they should have planned earlier! Plan early to ensure a financially independent retired life


We all have financial responsibilities towards our family and being financially secure even after retirement is of utmost priority.
But do you have a comprehensive plan that would provide adequately for retirement? You may wonder – why do I need to invest in a retirement plan right now?

Financial freedom leading to financial confidence can be the biggest achievement in life.

Continuing from where I left all of you to ponder for few days.

Now if one has to plan  a financially healthy retirement what should be his investment and asset allocation strategy ....

Your Asset Allocation Strategy : Make It Count

Making an asset allocation strategy and planning investments that is best suited for as you move ahead in your life could help you in realizing your financial and life-stage goals. Plan for your retirement from an early stage, the longer you invest, the better your chances of ending with an adequate and healthy retirement corpus even after meeting your all liabilities.

Stage 1 Young and Free - 

For unmarried individuals upto 25 years of age it is the best time in life to try and maximize your investments in equity to benefit from compounding in the long run..

Key Goals

To Build a fund to meet emergencies.

To Become financially independent.

Planning for retirement.

Suggested asset allocation

Diversified Equity funds – 80%

Bonds / FDs – 10%

Cash/Liquid fund – 10%

Stage 2 Just Married – 

For married individuals between 25 to 30 years of age, enjoy life and hence keep a little more sum in cash/liquid fund so you can meet emergencies without derailing your other financial goals.

Key Goals

Saving for house.

Planning for child.

Planning for retirement.              

Suggested Asset Allocation

Diversified Equity Funds – 75 %

Bonds/ FDs – 10%

Cash/Luquid fund – 15%

Stage 3 Happy Family – 

For individuals between 30 to 40 years of age with family with one or two kids, it’s important to explore and enjoy the parenting but continue to maintain your investments to secure a bright future for the family. Continue maintaining your emergency fund but may plan to shift few percentage towards debt ie; Bonds/ FDs.

Key Goals

Child’s schooling and higher education

Saving for Retirement

Asset allocation

Diversified Equity fund – 65%

Bond/ FDs – 20%

Cash/ Liquid fund – 15%

Stage 4 Mature family – Future Sense

For individuals between 40 to 50 years of age with teenage kids, to meet your immediate and near term goals related to child’s higher education and marriage you could gradually move money to debt and liquid funds.

Key Goals

Child’s marriage.

A second home for retirement.

Saving for retirement.

Asset allocation

Diversified equity fund – 50%

Bond funds / FDs – 25%

Cash/ Liquid fund – 25%

Stage 5 Sunshine Years/ Ageing Gracefully –  

For individuals between 50 to 60 years of age. Reducing equity investment in a tax efficient manner and increasing allocation to debt and liquid funds could bring predictability to your investments.

Key Goals

Steady income stream in retirement.

Money to travel and pursue hobbies.

Suggested Allocation

Diversified Equity fund -30%

Bonds/ Fds – 40%

Cash/ Liquid Funds – 30%

Financial planning is not a one day's work however it is not a mathematical magic also. A persistent and sincere investor even by contributing small amounts as per his individual investible surplus can methodically buildup a considerable amount for himself for a comfortable future life and retirement.

Happy Investing