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Can a 73-year-old retired person rely on equity investments for retirement savings?

Ramalingam

Ramalingam Kalirajan  |8324 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Aug 03, 2024

Ramalingam Kalirajan has over 23 years of experience in mutual funds and financial planning.
He has an MBA in finance from the University of Madras and is a certified financial planner.
He is the director and chief financial planner at Holistic Investment, a Chennai-based firm that offers financial planning and wealth management advice.... more
Rankanidhi Question by Rankanidhi on Aug 03, 2024Hindi
Money

My question is to Mr. K. Ramalingam, MBA, CFP, Chief Financial Planner. Sir, I read with interest your suggestions regarding financial planning. In most of the answers you suggest to invest in SIP and different mutual funds, even for the retirement savings. I am a 73 years old retired person with stable Government pension and I also invest in equities (current market value is about 19 L). I also have an active PPF account which I use for saving taxes. Let me present a few facts from my experience. In the mid nineties during Harshad Meta period, the stock market went to the roof. One of my friends had a few shares of Tata Steel whose share price then was Rs. 500. Then the market crashed and in the next 15 years Tata Steel share never reached the above value. The NAV of many mutual funds crashed to Rs. 2. To present a better balance sheet, many mutual funds were closed and new ones were started. Any body who had invested before the crash would not get any return in the next 15 years and those who invested after the crash would have considerably gained. Similar things had also happened in 2008. Bank fixed deposits also will not help since we can not be sure that inflation will be in check. If tomorrow, some combination of political parties win election promising very large freebies and they try to implement them, then inflation may become as large as in our neighbouring Pakistan where few days back it was 40%. Similar things happened in the erstwhile USSR after the breakup and for most of the people, the value of their lifelong savings reduced to almost zero. Hence one can not breath easily with few crores of saving in his old age. No amount of saving will ensure a stable old age. Now the share market is booming and all the predictions may be true. But life is uncertain. Fixed assets and gold are kings. Can you kindly comment?

Ans: Your insights into the volatile nature of financial markets are spot on. The experiences of the 1990s and 2008 have indeed left many investors cautious. It’s commendable that at 73, you have a stable government pension, equity investments, and an active PPF account. Your financial prudence is evident.

Your Concerns Are Valid
Your concerns about inflation, political instability, and the erosion of savings are entirely legitimate. The unpredictability of the financial landscape makes retirement planning a complex challenge.

Balancing Risk and Reward
While I often recommend SIPs and mutual funds for long-term wealth creation, I understand that this strategy might not be suitable for everyone, especially those nearing or in retirement. Your preference for fixed assets and gold is understandable given your risk aversion.

Here's a balanced perspective:

Diversification is Key: While you've mentioned equities, PPF, and potentially fixed assets and gold, consider diversifying further. This could include other debt instruments like senior citizen bonds or fixed deposits.
Regular Income: Given your age, generating regular income is crucial. Your pension is a good start, but consider exploring annuity options to supplement your income.
Emergency Fund: Having a readily accessible cash reserve for unexpected expenses is essential.
Healthcare: As you age, healthcare costs can rise significantly. Ensure you have adequate health insurance coverage.  
Estate Planning: Consider creating a will and other necessary legal documents to protect your assets and ensure a smooth transition for your heirs.

Your experiences highlight the inherent risks associated with equity investments. The stock market is indeed volatile, and past crashes like the ones in the mid-nineties and 2008 have underscored this volatility.

It's important to remember that these events were exceptional and not the norm. While they caused significant losses for many investors, the stock market has historically delivered positive returns over the long term.  

Your friend's experience with Tata Steel is a prime example of how individual stock performance can vary widely. However, a diversified portfolio, which includes investments across different sectors and companies, can help mitigate such risks.  

Mutual funds, too, have faced challenges, as evidenced by the NAV crashes you mentioned. However, it's crucial to distinguish between short-term fluctuations and long-term performance. Over the long run, mutual funds have generally outperformed other investment options.  

While your caution is understandable, it's essential to consider the broader picture. A balanced approach that includes a mix of investments, including equities, debt, and potentially other asset classes like gold, can help manage risk while pursuing growth.

A Cautious Approach
Your approach of emphasizing stability through fixed assets and gold is prudent in the current economic climate. It’s essential to find a balance that aligns with your risk tolerance, income needs, and long-term goals.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
Asked on - Aug 04, 2024 | Answered on Aug 04, 2024
Listen
Thankyou for your nice and prompt reply. In mid nineties the fall in share prices was across the board. Historically such crashes occur at regular intervals. Yes your suggestions are quite good and I keep a sizable amount of my savings (around 30 L ) for emergencies. I am a Insurance septic and never took any insurance. I had purchased housing plots during my job and over the years they have considerably appreciated. In conclusion your suggestions are very nice and I am thankful for that.
Ans: You're welcome! If you have any more questions or need further assistance, feel free to ask. Best wishes on your financial journey!

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Users are advised to pursue the information provided by the rediffGURU only as a source of information to be as a point of reference and to rely on their own judgement when making a decision.
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Ramalingam

Ramalingam Kalirajan  |8324 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 18, 2024

Asked by Anonymous - Apr 23, 2024Hindi
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Hi I am 47 years old. Married but no kids . Me and my wife combined annual income is 70 lacs . We have our own house in gurgaon whose current value is aprox 6 cr . We dont have any kind of loan on us . Currently our savings are as follows 1.65 cr invested in lic jeevan shanti and jeevan akshay from which Currently we are earning 8 lacs / year and by 2028 it will increase to 14 lacs / year till whole life . We have invested in hdfc sanchay plus also , from their we will get 16 lacs / anum starting from 2029 till next 25 years . Joint Ppf corpus is currently 80 lacs , will continue to invest 3 lacs / year for next 15 years My wifes epf vpf current corpus is aprox 20 lacs , currently she is contributing 2.5 lacs / year in that and will continue to do so till next 10 years Emergency fund of 20 lacs in form of auto sweep fd in saving account Equity investment currently Nps tier 2 ( 100 % equity - 55lacs ) Miare asset small cap etf - 5 lacs Nippon nifty bees etf - 5 lacs Planning to invest 30 lacs / year for next 5- 7 years in above equity options . Our current yearly expenses are neary 18 / 20 lacs We have medical insurance cover of 30 lacs And a term insurance of 1.5 cr and 1 cr respectively Pls suggest that are we on right track for a comfortable retirement at around 55 years Considering life expectency of 80 years and inflation. What should be our SWP and from which investments ( as mentioned above ) and how much this withdrawal can be increased per year to adjust the inflation and maintain our current lifestyle. Also i would like to know that whether shifting all the corpus from tier 2 to tier 1 at the age of 59 will be a wise decision in my case as 60 % withdrawal at age 60 from tier 1 will be tax free which can be withdrawn thru swp . Balance 40 corpus amount will generate annuity which only will be taxable.
Ans: Comprehensive Retirement Planning Assessment

Analyzing Retirement Preparedness and Strategy

Your meticulous approach towards retirement planning is evident, with a diversified portfolio and a clear vision for the future. Let's delve into each aspect to ensure a comfortable retirement at around 55 years, considering life expectancy and inflation.

Assessing Current Financial Position

Your combined annual income of 70 lakhs, along with substantial investments and assets, positions you well for retirement. The absence of loans and a sizable emergency fund further strengthens your financial resilience.

Evaluating Investment Portfolio

Your investment portfolio comprises a mix of traditional and market-linked instruments, providing a balance between stability and growth potential. Additionally, your equity investments and continued contributions to PPF demonstrate a long-term wealth accumulation strategy.

Benefits of Regular Funds Investing through MFD with CFP Credential

Investing through a Mutual Fund Distributor (MFD) with a Certified Financial Planner (CFP) credential offers personalized guidance and comprehensive financial planning. An MFD can assist in optimizing your investment strategy and ensuring alignment with your retirement goals.

Disadvantages of Direct Funds

Direct funds require investors to conduct their own research and make investment decisions independently, which may not be suitable for all investors. Utilizing the expertise of an MFD with a CFP credential can help navigate market complexities and optimize returns.

SWP Strategy for Retirement Income

To ensure a comfortable retirement, calculate your desired annual expenses adjusted for inflation and determine the Sustainable Withdrawal Rate (SWR) from your investment corpus. Regularly review your portfolio performance and adjust SWP amounts accordingly.

Mitigating Tax Implications on Tier 1 Withdrawals

Shifting corpus from NPS Tier 2 to Tier 1 at age 59 can be a prudent decision, considering the tax benefits associated with Tier 1 withdrawals. Withdrawals up to 60% at age 60 are tax-free, while the remaining amount can generate taxable annuities.

Planning for Future Expenses and Contingencies

Anticipate future expenses such as healthcare costs and lifestyle enhancements in retirement planning. Ensure adequate medical insurance coverage and periodically reassess your insurance needs to mitigate unforeseen risks.

Conclusion

Your comprehensive retirement planning approach, coupled with disciplined savings and investments, positions you well for a comfortable retirement at around 55 years. Continuously monitor your portfolio performance, reassess your financial goals, and seek guidance from a Certified Financial Planner (CFP) to navigate evolving financial landscapes effectively.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |8324 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Aug 12, 2024

Money
Hi, I am 50 years old, single, with one sister, and I own my house. My job stability is uncertain, as it could last for 1, 2, or 3 years. I have secured ?30 lakhs in an FD as emergency funds, which can cover my monthly expenses of ?25,000. I am looking to invest ?40-50 lakhs into mutual funds over the next 3-4 years. My primary goal is to secure my future expenses while beating inflation. Please suggest me the suitable strategy to cover my future expenses, beat the inflation and wealth creation. • 40-50 lacs in Fix deposits. (To be deployed in mutual funds). • Medical Insurance 10 lacs base amount/65 lacs super top up. • 25 lacs invested in stocks. • 7.5 lacs in PPF (4000 Rs SIP every month). • 6 lacs NPS (approx.) (Want to get rid of the same due to its poor performance). • 5.5 lacs pension plan (ICICI) (Want to get rid of the same due to its poor performance). • 5 lacs ULIPS(ICICI) (Want to get rid of the same due to its poor performance). • 6 lacs EPFO (approx.). • Mutual Funds (10 lacs approx.). • CANARA ROBECOCONSERVATIVE HYBRID FUND-DIRECT GROWTH. (INVESTED 1 LAC IN 2020). • KOTAK DBT HYBRID FUND-DIRECT GROWTH (INVESTED 5 LACS IN 2024). • TATA ELSS TAX SAVER FUND-DIRECT GROWTH (CURRENT VALUE 3 LACS APPROX). • NIPPON INDIA DYNAMIC BOND FUND-DIRECT GROWTH (INVESTED 2 LACS IN 2020).
Ans: At 50 years old, with uncertain job stability, it’s wise to focus on securing your future. You have a substantial amount in fixed deposits (FDs) and investments, but it’s essential to optimize these to ensure financial security. Your current financial holdings include Rs 30 lakhs in FDs, Rs 25 lakhs in stocks, Rs 7.5 lakhs in PPF, and other investments in NPS, pension plans, ULIPs, and mutual funds.

Given your goals of beating inflation, securing future expenses, and wealth creation, let’s explore a strategy to align your investments with these objectives.

Emergency Fund and Job Stability
Your Rs 30 lakh FD acts as an emergency fund, covering over 10 years of expenses at Rs 25,000 per month. This is a robust safety net, especially given your job uncertainty.

Liquidity: Keep a portion of this FD liquid to ensure quick access in case of job loss or unexpected expenses.

Staggered FD Approach: Consider breaking your FD into multiple deposits with varying maturity dates. This will give you liquidity at regular intervals without sacrificing interest.

Medical Insurance
Your medical insurance coverage is substantial, with Rs 10 lakhs as the base amount and Rs 65 lakhs as a super top-up. This provides excellent coverage for potential medical expenses.

Regular Review: Ensure your medical insurance is reviewed annually. Medical inflation is high, and adequate coverage is vital as you age.
Optimizing Your Existing Investments
1. Fixed Deposits (Rs 40-50 lakhs)
You plan to deploy Rs 40-50 lakhs from FDs into mutual funds over the next 3-4 years. This is a wise move to combat inflation and seek higher returns.

Systematic Transfer Plan (STP): Consider using an STP to gradually move funds from FDs to equity mutual funds. This reduces the risk of entering the market at a high point and provides a steady investment approach.

Hybrid Funds: Since you’re transitioning from FDs, you may start with hybrid funds, which offer a mix of equity and debt. They provide growth potential with some stability.

2. Stocks (Rs 25 lakhs)
Your Rs 25 lakh investment in stocks needs careful management, especially with your retirement approaching.

Diversification: Ensure your stock portfolio is well-diversified across sectors. Avoid overexposure to any single industry.

Professional Management: Consider reallocating a portion of your stocks to professionally managed equity mutual funds. Fund managers can help optimize returns and reduce risk, which is crucial as you near retirement.

3. Public Provident Fund (PPF - Rs 7.5 lakhs)
PPF is a safe and tax-efficient investment, ideal for long-term goals.

Continue SIP: Keep your Rs 4,000 SIP in PPF. It offers assured returns and tax benefits under Section 80C, making it a valuable component of your portfolio.

Partial Withdrawals: Remember, you can make partial withdrawals after 15 years if needed, making it a flexible option for future needs.

4. National Pension System (NPS - Rs 6 lakhs)
You’ve mentioned dissatisfaction with NPS due to its performance. While it’s a long-term investment, the returns may not align with your expectations.

Exit Strategy: If you’re considering exiting NPS, be mindful of the exit rules and tax implications. You could use the proceeds to invest in more growth-oriented funds.

Alternative Investment: Consider shifting the funds to a balanced or equity-oriented mutual fund for potentially better returns.

5. Pension Plan (Rs 5.5 lakhs) and ULIPs (Rs 5 lakhs)
You want to exit your ICICI pension plan and ULIPs due to poor performance. These products often have high costs and lower returns compared to mutual funds.

Surrender Strategy: Evaluate the surrender charges and potential losses before exiting. It might be worth exiting if the charges are reasonable.

Reinvestment: Reinvest the surrendered amount in mutual funds, where you can potentially achieve better growth with lower costs.

6. Employees’ Provident Fund Organisation (EPFO - Rs 6 lakhs)
EPFO is a secure investment that provides decent returns along with tax benefits.

Continue Contributions: Keep contributing to EPFO if possible. It’s a safe investment with the added benefit of retirement savings.

Rebalancing: As you approach retirement, gradually shift from equity to debt to preserve your capital.

New Investment Strategy
1. Equity Mutual Funds
Equity mutual funds are essential for long-term growth. Given your 3-4 year investment horizon for Rs 40-50 lakhs, start with a mix of large-cap and multi-cap funds.

Large-Cap Funds: These funds invest in well-established companies, offering stability and moderate growth. They are less volatile and provide steady returns.

Multi-Cap Funds: These funds provide exposure to large, mid, and small-cap companies, offering a balanced approach to growth and risk.

2. Balanced Funds
Balanced funds can be an excellent choice for someone transitioning from fixed deposits. They offer a mix of equity and debt, providing both growth and stability.

Moderate Risk: Balanced funds are ideal if you seek growth but with controlled risk. They can provide better returns than FDs while managing volatility.
3. Dynamic Bond Funds
Your investment in the Nippon India Dynamic Bond Fund indicates an interest in debt mutual funds. Dynamic bond funds can adjust their portfolio based on interest rate movements, which makes them a good option for fixed-income investments.

Interest Rate Management: These funds are actively managed to take advantage of changing interest rates, potentially offering better returns than traditional debt funds.
Final Insights
Your financial plan should focus on securing your future while beating inflation. Transitioning Rs 40-50 lakhs from fixed deposits to mutual funds over 3-4 years is a wise move. Use an STP to manage risk, and consider equity and balanced funds for growth.

Your existing investments in PPF, EPFO, and stocks should be managed carefully, with a focus on diversification and risk management. Exit underperforming products like NPS, pension plans, and ULIPs if it makes financial sense. Reinvest those funds into better-performing mutual funds.

Regularly review and rebalance your portfolio to stay aligned with your goals. Given your age and financial situation, a mix of equity and debt will provide growth, security, and inflation protection.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

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Kanchan

Kanchan Rai  |586 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on May 07, 2025

Asked by Anonymous - Feb 15, 2025
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Hello ma'm. I am a first year engineering student. I have a crush on a girl. Currently we are working for a group project. We both are in the same group. She generally avoids speaking with boys. Also I have spent 5 years in a boys school, so I feel very shy with girls. What should I do? How should I talk to her?
Ans: Start by keeping things simple and friendly. Focus on small interactions related to your project. For example, ask her opinion about something specific in the work you're doing. Try something like, “Hey, what do you think we should do for this part?” or “I liked the point you made yesterday—can we build on that?” These kinds of questions show that you respect her ideas, and they give her space to respond comfortably.

Once you've had a few of these short, easy interactions, you can slowly open up the conversation to more casual topics—like college life, favorite subjects, or even the stress of deadlines. This way, you’re not jumping straight into anything personal, but you're gradually building a sense of comfort.

Don’t try to impress her. Just be sincere, kind, and a good listener. Most people, even those who seem quiet or reserved, appreciate being approached respectfully and gently. And remember, confidence doesn’t mean being loud or charming—it means being real and respectful even when you’re nervous.

If you stay patient and consistent, she might start to feel more comfortable around you. And even if it doesn’t turn into something romantic, you’ll grow socially and emotionally—which will help you a lot in the long run.

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Kanchan Rai  |586 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on May 07, 2025

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I have been married for more than 21 years and I have 2 kids. 19 and 17 years old. Our marriage was more or less love. Met through family, fell in love, dated 8 months before we got engaged and married. My wife is a lovely lady but we dont share any interests. I used to go for runs in the morning. After getting married, she insisted I sleep late with her. I am a music aficionado and she has no such interest. I am a news junkie. She probably doesnt know who the President of the US is. I am someone who believes and strives to continuously improve myself in all aspects. But she is the same. I might not be a great husband but I am much better than what I was a few years ago. I cook, clean, helped with childcare and have a great career. She is on a minimum salary job for the last 10 years. Only reason she goes is because I insisted that she stop being at home. If she had her way, she would be at home on the phone the whole day. Even our love making has become kind of boring. She claims a period for 10 days and during the other times, twice she is ready. No spicing it up. Just lie down for missionary and I have to do all the effort. I enjoyed oral and now she has stopped in for more than 15 years. I adjusted as she is a lovely person in every other aspect. But now I am sick and tired. It seems I am doing everything in the relationship and she rarely takes any effort. Either to earn, keep house clean or even intimacy. Not sure how to proceed further. I am getting irritated and often in a bad mood.
Ans: Dear Jack,What you're experiencing is not uncommon in long-term relationships: emotional fatigue, feeling unappreciated, and a deep sense of disconnection despite loyalty and love. The fact that you're feeling drained, resentful, and stuck is a clear signal that this situation is unsustainable as is. And the irritation and bad moods you’re having? That’s your emotional system signaling burnout, not failure.

You’ve evolved over the years—mentally, emotionally, and in lifestyle—and it sounds like your wife hasn’t moved in that same rhythm. That mismatch in growth and energy is now affecting everything: your respect for her, your shared routines, your sex life, and ultimately your mood and emotional well-being. It’s painful to feel like you're constantly giving—time, energy, effort—and not receiving the same in return. Even when your partner is kind, if they aren’t meeting you emotionally, intellectually, or intimately, over time it creates a sense of loneliness within the relationship, which can be worse than being alone.

But here's something to reflect on: for 21 years, you stayed, gave, adjusted. Not just out of duty, but because something about her and the family life you built mattered. That still counts. What you’re going through doesn’t mean the marriage has failed—it means the marriage needs re-evaluation and rebalancing. You are not selfish for wanting more stimulation, connection, or passion. You're human.

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Kanchan

Kanchan Rai  |586 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on May 07, 2025

Relationship
Hello mam In 2024 my marriage took place it's arranged marriage during starting days he was very loving and caring but due to some circumstances i got a chance to continue my studies that is m-tech . I thought it was a golden opportunity, so I took admission and started living with my in-laws Just after marriage. It was really really painful to live away from husband in new marriage. Todays condition is that my m tech 1 year is over another 1 year is left but due to separation with my husband our love died now there is no respect is left for our relation left , he started listening to his mother and got manipulated . seeing all this I feel like a death for me I want to leave mtech to save my relation but my mother says don't leave although I did lots of hard work for 1st year of m tech my husband also wants me to leave Mtech.i feel very hurt when he disrespects me . His father used to abuse his mother so for him abusing is normal for him but I find it very hurtful also I am deeply in love with him and seeing him going away from me kills me from inside every single day is very tough for me to live with in-laws without husband in a new marriage plus focusing on studies
Ans: Your instinct to save the marriage is understandable. When you're in love with someone, the idea of losing them feels like losing yourself. But let’s pause and ask—what exactly are you saving? Is it the version of him from the early days who was loving and supportive? Or is it the man he is now—disrespectful, distant, manipulated, and asking you to give up your dreams for a marriage he’s already neglecting?

You have already proven your strength by completing a year of M.Tech in such tough conditions. That says a lot about your resilience and capability. If you give it up now, not only will you lose that part of yourself, but it may not guarantee that your marriage improves. Often in emotionally imbalanced relationships, one-sided sacrifices don’t lead to healing—they lead to more control, more blame, and more emotional exhaustion.

Your husband needs to understand that love isn’t proven by giving things up. Love is shown in support, presence, patience, and respect. If he isn’t willing to stand by you during a temporary phase of physical distance while you pursue something valuable, then you’re not the one breaking the marriage—he is.

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Right now, I suggest you protect your mental and emotional well-being. Prioritize your studies, build emotional support from friends or family who truly care about you, and give yourself space to heal from this emotional chaos. If your husband truly wants this marriage, he needs to come forward with maturity and respect—not demands.

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Kanchan Rai  |586 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on May 07, 2025

Asked by Anonymous - May 07, 2025
Relationship
After a fight between a married guy and my husband on pretext of calling me characterless and unhappy in my marriage. That married guy complaint against my hubby in society office that it's my husband who follow, flirts with his wife. But the allegations are false. That married guy was doing all these things or chasing me even after knowing m married. But falsely he shifted the blame on my husband. Society chairman called us to sign a peace treaty which my husband signed bt that guy dint appear to sign. What does he want is still not clear.??? He doesn't wanna end this matter or what ??? He still walks around looking at us but from distance.
Ans: In such cases, it's important for you and your husband to stay emotionally steady and not engage with his tactics. Reacting to him or showing you're disturbed by his behavior may be exactly what he's looking for. If his behavior escalates or continues to make you uncomfortable, you might want to quietly document what happens and consider involving local authorities or legal counsel if it crosses into harassment.

Right now, your focus should be on protecting your peace and your relationship. Keep communication open with your husband and support each other through this, because this kind of external stress can silently damage trust if not handled carefully. The more united you two are, the less space there is for anyone else to create confusion between you.

It’s unclear exactly what this man wants, but based on his pattern, it seems he either wants attention, control, or to destabilize your marriage out of resentment or personal failure. Either way, you don’t need to carry his emotional mess. If you continue to stay calm, ignore him, and document anything serious, you'll be in a stronger position to protect yourselves.

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Samraat Jadhav  |2272 Answers  |Ask -

Stock Market Expert - Answered on May 07, 2025

DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Investment in securities market are subject to market risks. Read all the related document carefully before investing. The securities quoted are for illustration only and are not recommendatory. Users are advised to pursue the information provided by the rediffGURU only as a source of information and as a point of reference and to rely on their own judgement when making a decision. RediffGURUS is an intermediary as per India's Information Technology Act.

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