Mutual Funds Strategy 120: How to calculate the annual retirement withdrawal percentage

ByBalachandran Viswaram

The 4% withdrawal rule was coined by Bill Bengen in the mid 90s and made popular by “Trinity Study” in the late 90s. The essence is very simple — withdraw at a rate that will ensure your retirement portfolio will last for the next 30 years. source. The implementation is also very simple. If you have Rs…

Mutual Funds Strategy 108: What if you missed the Boat, were unable to start the SIP when you were…

ByBalachandran Viswaram

Last week I met 2 investors in their 40s who were living with the regret that they missed the SIP boat when they were in their 20s. They told me, that investing Rs5000 in their 20s was much easier, their expenses were lower and they had decent savings. Now in their 40s, it is hard…