by Ravi Saraogi | Jan 30, 2026 | Finance
(A condensed version of this post was published in Economics Time Wealth on 27th Oct 2025 and can be accessed here ) When the Pension Fund Regulatory and Development Authority (PFRDA) released its consultation paper on enhancing the National Pension System (NPS), it...
by Ravi Saraogi | Jan 28, 2026 | Finance
(A condensed version of this post was published in Economics Time Wealth on 29th Dec 2025 and can be accessed here ) It’s not easy to suggest a 3.5% withdrawal rate to a retiree. Particularly when equity markets have historically delivered double digits...
by Ravi Saraogi | Jan 22, 2026 | Finance
(A condensed version of this post was published in Mint on 20th Jan 2026 and can be accessed here ) How much can you safely spend from your retirement corpus? In 2022, I tried to answer this by building a retirement simulator based on Indian market data and...
by Ravi Saraogi | Sep 5, 2025 | Finance
A frequent source of confusion in retirement research is the interpretation of the safe withdrawal rate (SWR). Many assume that an SWR (say 3% or 4%) represents the proportion of the portfolio withdrawn each year of retirement. This is not the case. The SWR refers to...
by Ravi Saraogi | Sep 2, 2025 | Finance
Equity AllocationRetirement Period20 years30 years40 years50 years60...
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