Have You Saved Enough For Retirement? | Big Decisions

If you're about to retire, you must constantly think, 'Have I saved enough.'
How much of your investments need to comprise growth assets? How much should your retirement purse hold? Is an emergency medical fund necessary if you have health insurance?
In this edition of Big Decisions, our guest Shalini Sekhri, Chief Growth Officer at Renaissance Investment Managers, shares how you can efficiently plan out your dream golden years.
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[@DalanyBoulommavong]

Wow. I am blown away by this presentation. I was an insecure 59 year old on SS in January 2018 when I started buying Bitcoin/crypto. Everyone though I was irrational. Most still do. I put my income in every month and watched the value drop each month but for some reason really believed in Bitcoin and alt coins/blockchain even though I don't totally understand. Finally, the crypto market started turning around and I am astonished at the value of my crypto currency portfolio today. I engaged in active trading and managed to grow a nest egg of around 2.3B'tc to a decent 27B'tc....At the heart of this evolution is Linda Wilburn, whose deep understanding of both cryptocurrency and traditional trading has been instrumental. Her holistic approach to investment and commitment to staying abreast of market trends make her an invaluable ally in navigating this new era in cryptocurrency investment.

[@DalanyBoulommavong]

Linda Wilburn program is widely available online..

[@Narwood]

I appreciate the professionalism and dedication of the team behind Linda’s trade signal service.

[@9TobiLytle]

Trading with an expert is the best strategy for beginners and busy investor s who have little or no time to monitor their trades.

[@sheograth06]

The key to financial stability is having the right investment suggestions for a diverse portfolio. Many investment failures and losses happen when you invest without proper guidance.

[@franciscoyamamoto-go7eo]

It was quite challenging to understand the different trends on my own until i found out about Wilburn. Trading made easy.

[@JustChill76]

She is such a good listener.❤❤ And I can't believe she is 50 yrs old. At first I thought she must be around 35. Awesome ❤❤❤❤

[@manojsuri007]

I think Shalini is right about 25 x. But I dont agree with the fact that you should go safe during retirement. You can still keep most amount in equity and do swp from your equity so that your corpus can keep beating inflation in the long run.

[@religionofpeace782]

True... atleast 60-70% should always be in equity

[@fortuneltd3591]

Yeah I am 90% in equity but then again I am 31 so can take more risks but I know even if I was 60, I will keep majority in equity as dividend will be nice cushion

[@rktripathi1223]

Very informative and few more episodes on retirement investment requested. Information on How, when and where to transfer the gain out of direct equities or mutual funds as individual's age progresses towards 70 and 80 will also be useful

[@Joysonhd]

Very insightful episode

[@fortuneltd3591]

I am 31 and already have 25x my annual expenses in Equity and 1X annual expense in sweep FD for business/emergency all because I have not fallen in the endless EMI cycle of home loan and live on rent. I know I will eventually have to take the hit for house but delaying as much as possible because 20% equity compounding is much more beautiful than emi decimating savings. I realized very early in life that if you follow most people, your life will end up like most people. Be a calculated patient risk taker and you will be rewarded 🎉 Finally, never be retired, choose semi retirement which I have already chosen at 31 because greed is unlimited and only fix is to calibrate need wrt wants

[@SulekhaDhar-pj6xz]

Great episode

[@indian_curry6722]

Insightful.

[@SD_003]

7:10 - Yes 30X sounds more apt for India. Am at 14X currently, hope to reach there by 2030 15:00 - Thanks for mentioning. I can't stress enough how much important it is to have a medical emergency corpus separately. Yes insurance as well is mandatory but you never know when time comes, if they would even honor the claim. So I have made sure I earmark 10-15% of my monthly investment towards future medical emergency. Am eyeing around 10X(in addition to 30X) for medical emergencies. 23:10: Couldn't agree more. We shouldn't be aiming to leave inheritance actively, rather should spend on education and make sure the kids become responsible for themselves. Ofcourse whatever corpus is left does go to the kid eventually as inheritance.

[@arnabbhattacharya6579]

Nice work

[@prasannarao5931]

Good show

[@factchecker1662]

Invest in index funds. Why u ask. As long as sip is coming in every year from the younger generation, the retired folks will be ok with index fund as these sip has to put some portion in nifty 50

[@religionofpeace782]

Alex plz allow your guest to complete their sentences. Dont interrupt frequently midway. Looks really bad.

[@sunilkumargarg9676]

Since last 2 months I have been in and around a 5 star Pvt. hospital in one of the 4 metro Megactiy caring for a very sick soul in the family. I feel like I'm more like a four legged milch cow. Pain apart, falling seroius ill is akin to commiting a sin.