Retirement planning has become extremely popular in the past few years. Not many of our grandparents were as concerned about retirement planning as our generation is now. While this change has happened for the better, it has actually become a necessity. Anyone failing to plan for retirement is plannRead more..

There is no such thing as the best retirement plan. A good retirement plan is customized as per your needs and therefore there is a different retirement plan for everyone. However, it is essential that you build up all asset classes in your life. This helps your retirement plan to be well diversifieRead more..

Retirement plans, by definition have to be safe. They have to ensure that you get enough cash when you retire. However, to ensure that this actually happens, you need to have a well-diversified portfolio at the end of your retirement plan. When we say well diversified we do not mean stocks, bonds anRead more..

The fact that most retirement plans offered by employers now are ‘Defined Contribution (DC)’ plans and not ‘Defined Benefit (DB)’ plans has changed the scenario upside down for many employees. This is because all the market risk of investment is faced by an employer in case of DB, while in DC, the rRead more..

“Garbage in, Garbage out” is one of the sayings often used by management personnel in big corporations when they try and explain why a plan failed. What they are really trying to tell is the fact that if you make the wrong assumptions and plan, you will get the wrong results. But that would still beRead more..

If you talk to a qualified financial planner, he will often use the word “vehicles” for financial instruments like stocks, bonds, real estate, gold etc. Now, why do they call these instruments vehicles? Because a financial planner thinks they are From the point of view of a financial planner, Read more..