Know your risk-bearing capacity before choosing your investments.
When the return is lower than the prevailing inflation rate, it is a negative real rate of return, so risk appetite is equal to your returns.
Diversify the investment portfolio with different asset classes to lower the risk and generate a higher return.
Manage expenses with the returns earned on your accumulated corpus post-retirement.
Safeguarding wealth is critical post-retirement, so choose investments wisely to minimise losses.
Allocate assets based on your risk appetite and return expectations.
Look for ways to generate passive income to replenish the corpus and beat the inflation pressure.