Editorial · Personal Finance
Personal Finance
Articles on personal finance topics relevant to Indians approaching retirement — healthcare budgeting, family obligations and the non-financial dimensions of retirement.
Healthcare Costs After 60 — What to Budget and Why Most Plans Fall Short
Medical expenses in India tend to rise faster than general inflation, particularly after age 70. This article looks at how to think about healthcare costs in retirement planning.
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Family Financial Obligations in Retirement — a Dimension Often Left Out of the Plan
Many Indian retirees continue to support adult children, grandchildren or elderly parents. These obligations are rarely built into retirement income projections.
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Sequence of Returns Risk — Why Timing Matters for NPS Withdrawals
A market downturn early in retirement can permanently affect the NPS corpus, even if markets recover later. Understanding this risk helps in thinking about withdrawal timing.
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The Psychological Transition to Retirement — What Research Shows
Loss of daily work structure, professional identity and workplace relationships affects retirement satisfaction for many people, independent of financial position.
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