Ask most Indians when they\u2019ll start planning for retirement, and you\u2019ll often hear \u201cafter 50\u201d or \u201conce the children\u2019s education is sorted\u201d. But retirement is not a one-day switch. It\u2019s a long phase that needs gradual and consistent preparation. <\/p>\n
You may also find this useful: Nifty Up 5% After a Correction. Should You Top Up Your SIP?<\/a>.<\/p>\n\n\n\n At Maxiom Wealth, we work with families across life stages. As a SEBI registered investment advisor, we see how false beliefs around retirement often lead to poor outcomes. Here are the five most common retirement planning<\/a> myths and why they must be set right. <\/p>\n\n\n\n This sounds reassuring. But your ability to work may not always be in your hands. Health issues, job market shifts, or family needs could interrupt your career. If you work until 65 or beyond, it is risky. <\/p>\n\n\n\n Start early so your investments can do the heavy lifting later. Whether you choose to continue working or not, a solid retirement plan gives you that choice. It gives you freedom, not dependence. <\/p>\n\n\n\n This thought comes from love, but it\u2019s no longer practical. With more nuclear families, rising living expenses, and increased mobility, your children will have their own challenges to handle. <\/p>\n\n\n\n Financial independence is not selfish. It\u2019s responsible. It lets you live with dignity, without leaning on your children emotionally or financially. That\u2019s the kind of legacy worth aiming for. <\/p>\n\n\n\n Provident funds are a good foundation. But they may not be enough to cover 25 or 30 years of retirement. Inflation slowly erodes the value of your savings. What feels like a good retirement corpus<\/a> today may feel tight tomorrow. <\/p>\n\n\n\n You need growth in your portfolio. Equity investing through mutual funds or portfolio management services (PMS)<\/a> gives your money the power to beat inflation. At Maxiom Wealth, we use the LSG framework <\/a>– Liquidity, Safety, Growth to make sure your money is not just preserved but also productive. <\/p>\n\n\n\n This seems logical, but it delays the action. The truth is that even small ","protected":false},"excerpt":{"rendered":" Ask most Indians when they\u2019ll start planning for retirement, and you\u2019ll often hear \u201cafter 50\u201d or \u201conce the children\u2019s education is sorted\u201d. But retirement is not a one-day switch. It\u2019s a long phase that needs gradual and consistent preparation. You may also find this useful: Nifty Up 5% After a Correction. Should You Top Up… Read More »5 Retirement Planning Myths That Could Derail Your Future<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":5759,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[7],"tags":[],"class_list":["post-5754","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-financial-planning-money-matters-investment-advisor"],"_links":{"self":[{"href":"https:\/\/maxiomwealth.com\/blog\/wp-json\/wp\/v2\/posts\/5754","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/maxiomwealth.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/maxiomwealth.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/maxiomwealth.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/maxiomwealth.com\/blog\/wp-json\/wp\/v2\/comments?post=5754"}],"version-history":[{"count":3,"href":"https:\/\/maxiomwealth.com\/blog\/wp-json\/wp\/v2\/posts\/5754\/revisions"}],"predecessor-version":[{"id":6445,"href":"https:\/\/maxiomwealth.com\/blog\/wp-json\/wp\/v2\/posts\/5754\/revisions\/6445"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/maxiomwealth.com\/blog\/wp-json\/wp\/v2\/media\/5759"}],"wp:attachment":[{"href":"https:\/\/maxiomwealth.com\/blog\/wp-json\/wp\/v2\/media?parent=5754"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/maxiomwealth.com\/blog\/wp-json\/wp\/v2\/categories?post=5754"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/maxiomwealth.com\/blog\/wp-json\/wp\/v2\/tags?post=5754"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}1. I will work for as long as I want <\/h2>\n\n\n\n
2. My children will take care of me <\/h2>\n\n\n\n
3. EPF and PPF are enough <\/h2>\n\n\n\n
4. I\u2019ll invest more once I earn more <\/h2>\n\n\n\n