What are the ideal ways to invest for retirement when you are middle aged (35-45)? Where you should invest?
Ans. This is the time when other responsibilities have also come in like children's education, need to buy a house for which EMI may have to be paid, social obligations, regular expenses of a family etc. Hence investible surplus could be much lesser now or other things go higher up in priority.
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• However, this aspect has to be given high priority – urgent things which keep popping up in life may not be actually the most important. Difference between Urgent and Important has to be realised.
• Also, while one can take a loan for almost everything in life, there is no loan for retirement living and it has to be accumulated by own self through advance planning.
• The ideal way to invest still does not change – Equity products have to be gone in for this long accumulation period of 25-15 years though risk attitude and aptitude could have decreased due to the family responsibilities having come in.
• Again, NPS or MF Retirement Plans would be the best products to take with high equity component as per the risk profile.
• Since one has got delayed in accumulating for the retirement, more amount would be required as regular subscription and one will have to be more diligent about it – the fill-it-shut-it-forget-it of the 25-35 age group may not work entirely.
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