ET Now Digital, Namit Singh Sengar
Jun 08, 2025
Rising costs (4-6% annually) can erode savings. Plan for expenses doubling every 15-20 years. Consult certified financial expert.
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Medical bills skyrocket with age. Without hefty insurance, one illness could wipe out your corpus.
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Low interest rates (5-6% in 2025) won’t beat inflation, leaving retirees short on income. Consult certified financial expert.
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Starting late cuts compounding benefits. A 10-year delay can halve your retirement fund. Consult certified financial expert.
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Missing deductions or late ITR filing (post-September 15, 2025) leads to penalties and lost savings.
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Stocks or crypto without research can lead to major losses, especially near retirement. Consult certified financial expert.
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Even with lower loan rates in 2025, unpaid loans strain fixed retirement income.
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Without 6-12 months’ expenses saved, unexpected costs can force you to dip into retirement funds.
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With life expectancy at 70-80 years, savings must last 20-30 years post-retirement. Consult certified financial expert.
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Pensions or EPF alone may not cover rising costs, leaving you financially stretched.
Source: iStock
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