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In this scenario i.e. if pension covers my expenses, I will continue my investment portfolio. I will reinvest the interest/ capital gain/ dividend. I will wholeheartedly spend the interst on interst every month ... without losing my original investment and its interest.

Actually, the best way to plan is have most your post retirement income from tax free instruments. There are so many such tax free options available in India. Public providend fund (PPF) yields 8.7% p.a. Tax free bonds yield 7.5% p.a. MF SIP approx will give 9% growth but is of course variable...

I think mutual funds can sustain market swings well. How about having 60% of the retirement corpus parked in diversified MFs? Of course, this investment in MF has to be done as SIP for at least 10 years before the retirements. This usually covers both good and bad market years and balances the...

In India, you may put the excess cash safe and earn tax free returns by investing in tax free bonds which are currently yielding about 7.5% tax free returns. They are for 10 to 20 years. Easy liquidity as these can be traded in secondary market. Sent from my SM-G600FY using Early Retirement...

Reached the FIRE mark. Will enjoy independance from 2016. Sent from my SM-G600FY using Early Retirement Forum mobile app