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Start investing at the beginning of your career. Many make the mistake of earning but not saving or investing.
It can be very difficult for people to adjust to a drop in standard of living post-retirement. So it is necessary to have a good financial advisor to guide you and plan for your retirement.
If you aren't in need of that money, just hold on to your investment even if the market takes a dip as the Indian market fundamentals are strong and robust.
Have a balance in your portfolio between debt and equity. Rather than shutting down on equity post-retirement, talk to your advisor to look at which companies are part of that equity.
Don't believe in wild promises and instead look for long-term sustainable return.
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Excellent thoughts.. :)
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