Retirement Plan

A retirement plan should do more than preserve wealth-it should give retirees permission to spend meaningfully while health, mobility and opportunity remain

Start by saving 15-20% of your take-home income and gradually increasing the amount as your salary grows

Retirement is a broader phase of a person's life after employment ends; pension is a regular payment one receives after retirement

Invest regularly to build a corpus that can replace 70-80% of your pre-retirement income annually

Build your own financial security early in your career, no matter your family situation is

Your portfolio should change over time and not be something you set once and forget

Build a corpus that reflects your needs and review your investments regularly

In your early years, focus more on growth. As you get closer to your retirement, gradually shift towards more stable investments to reduce risk.

A retirement income plan is not something you set once and forget: It needs small adjustments over time

Begin by investing 10-15% of your income and increase contributions gradually as your career progresses

Step up savings rate, build equity-heavy portfolio, and automate investments

A study by IIM Udaipur finds households in Gujarat and Rajasthan save regularly but lag in investing and retirement planning, highlighting gaps in financial capability

The entire retirement corpus will not be needed on day one, so it should be split into growth and income-generation buckets to manage inflation and longevity risks

Investors are increasingly using index funds as long-term wealth-creation vehicles rather than for short tactical exposure, Oswal said

According to the Global Pension Index 2025, few nations have cracked the code, with the Netherlands, Iceland, and Denmark leading, and India, Philippines, and Thailand among those lagging far behind

The government has opened a one-time window for employees under the Unified Pension Scheme (UPS) to switch back to the National Pension Scheme (NPS), reshaping retirement choices for millions

Rising costs and financial goals prompt the wealthy to raise the bar, according to HSBC's Affluent Investor Snapshot 2025

Inflation will reduce value of payout, so invest part of retirement corpus in growth instruments

They expect monthly pension of more than Rs 1 lakh but only 11% confident their investments will be sufficient, it says

Multicap Momentum Quality Index Pension Fund will invest in companies that align with the Multicap Momentum Quality 50 Index