Archive · 31 Aug 2026
How to Keep Retirement Income Steady While Investing
Retirement is the time when people may stop earning regular salaries.
They still need money for daily life, healthcare and unexpected problems.
The article says people should begin saving early so their money has more time to grow.
It recommends using different types of investments instead of relying on only one.
Safer options include government savings schemes, fixed deposits and annuities.
Equity investments can also remain part of the plan, but their share may be reduced with age.
Financial advisor Nitin Kaushik suggests keeping a large enough corpus and withdrawing only about 3% each year.
Moving to a less expensive town could make the money last longer.
Separate emergency savings and insurance can help protect retirement money from sudden costs.
Retirement planning should account for inflation, medical costs, lifestyle changes, longevity and emergencies.
Starting early can increase the benefit of compounding, while investments should be diversified according to age, goals and risk tolerance.
The article highlights PPF, EPF, NPS and NSC as options that can build retirement savings and may offer tax benefits.
Financial advisor Nitin Kaushik suggests targeting a corpus of 300 times monthly expenses and using a 3% withdrawal rate in India.
Annuities, insurance, fixed deposits, mutual funds and reduced equity exposure can help extend retirement income, while relocating may lower expenses.
- Who
- People planning for retirement, with guidance cited from chartered accountant and financial advisor Nitin Kaushik.
- What
- Advice on building, investing and withdrawing a retirement corpus while maintaining steady income.
- When
- The guidance discusses retirement planning and uses 2026 figures, including a monthly income example.
- Where
- The advice is framed for India, including Indian savings schemes and the country’s inflation environment.
- Why
- To help retirement savings withstand inflation, healthcare costs, longer lifespans, emergencies and changing lifestyle expenses.
- Suggested corpus
- Nitin Kaushik suggests building a corpus equal to 300 times monthly expenses in 2026.
- Illustrative amount
- The article says someone earning ₹1 lakh per month in 2026 would need a ₹3.5 crore corpus, although 300 times ₹1 lakh equals ₹3 crore.
- Withdrawal rate
- The article presents a 3% annual withdrawal rate as safer for India’s high-inflation environment than the 4% rule commonly associated with the United States.
- Savings schemes
- Public Provident Fund, Employees’ Provident Fund, National Pension System and National Savings Certificate are cited as possible retirement-building options with tax benefits.
- Investment approach
- The article recommends diversification and gradually reducing equity exposure as investors age.
- Longevity planning
- Annuities, long-term insurance and funds held in mutual funds or fixed deposits may help provide income at advanced ages.
- Expense reduction
- Moving to Tier II or Tier III towns may reduce living costs and, according to Kaushik, potentially extend a portfolio’s lifespan by 10 years.