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Retirement Planning Mistake : Why Should You Avoid Them

Top 10 Retirement Planning Mistakes: and Why You Should Avoid Them?

by Holistic Leave a Comment | Filed Under: Uncategorized

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As I grow older, the number of people I meet who are near, or close to retirement continues to grow.

Certainly they’re all mentally prepared for leisurely rounds of golf, time spent watching the grandkids, and languid walks on the beach, BUT very few of them are financially prepared to realize their cherished dreams.

I also have many younger friends, people still in their prime who have just begun their careers.

They are at least 3-decades away from retirement, as an effect they have fallen victim to the illusion of time abundance. Although they “talk” about investing for the long term, their lavish spending, living paycheck to paycheck restrains their will to do the talk. From the beginning to the end, mistakes are many. In this article you will find the “Top 10 Retirement Planning Mistakes” that you must avoid:

1. “I Can Start Saving Later”
2. “I am Too Old To Start Retirement Planning Now.”
3. Not Saving Enough.
4. Falling For Readymade Retirement Plans
5. Overlooking the Medical Need.
6. Not Counting In Your Spouse.
7. Investing Conservatively.
8. Missing On Tax-Saving Opportunities.
9. Lack of Spending Discipline in Retirement.
10. Retirement Planning Without a Financial Plan

Start with the mistakes of attitude towards retirement planning, we will cover the retirement planning blunders and the plan execution errors

ATTITUDE TOWARDS RETIREMENT PLANNING

1) I can start saving later

The decision to postpone savings and investment can’t be a good decision as time will not wait for you to start

saving to become a millionaire and have a comfortable retired life.Savings and investments should start when young, giving you enough time to reach the goal you have set for yourself. It is interesting to note that the value of money saved in earlier years appreciates much more than what is saved in later years just before retirement due to accumulation of interest and the compounding effect. In addition, starting to save bigger amounts in middle age poses problems with other family responsibilities.

On the other hand, forced retirement has become

quite common due to many reasons. We have seen developed, organized corporate companies run out business, we have seen MNC go bankrupt in the past couple of decades. See here, the 5 events that can force you to retire overnight

If you happen to face such or any form of forced retirement, it’d be a lifesaver to have a retirement plan and keep it running. You are never too early to start saving for retirement.

2) I am too old to save and plan retirement goals

I do not agree with you. It is never late to start saving and plan your retirement . “It is too late and I can’t do my retirement plan now. I will try to face my retirement as and when it comes” is not the right attitude. Anyway you need to face your retirement. You can’t skip or escape. So why don’t you prepare yourself now itself?

However just procrastinating only further complicates your retired life and you may need to meet a lot of disappointments.

Professional Financial Planners will be of immense help to you in this regard with financial computations for the amount of money required for retirement and how you can cut on unnecessary expenses to build the retirement corpus.

3) Aiming a Baseless Retirement Corpus Figure

Choosing the retirement corpus is the origin of your retirement plan.

Everything you will ever do for your retirement will be based on this corpus figure. Therefore choosing the right retirement corpus is as necessary as choosing to have a retirement plan itself.

There are plenty of mistakes people do when it comes to choosing the retirement corpus. Some of them include:

  • Choosing a corpus concerning annual income.
  • Choosing a corpus concerning the current monthly expense.
  • Choosing a retirement corpus on the advice of a retiree.
  • Choosing a retirement corpus calculated by an online calculator.
  • Choosing retirement corpus calculated using DIY guides.
  • Choosing big retirement corpus figure for “just in case” scenario.

Aiming a baseless retirement corpus figure

There are many more ways people use to make the same mistake of choosing a wrong retirement corpus.

Even though the retirement corpus figure is a number, it should be calculated by accounting every possible factor. Your retirement corpus figure is a number that should delicately balance your expense today, your savings, present age, retirement age, retirement period, inflation, the annual increase in earnings, taxes, and many other things.

Above all this, if you are choosing your retirement corpus from any of the above-said examples, ask yourself

“Is this number trustworthy enough to bet my entire retirement life on it?”

On the other hand, you can choose a big corpus figure for ‘just in case’ scenarios. Bigger is better, right? The bigger number is greater than the right corpus amount anyway, so it cannot be wrong.

Not really! If you set an impossible target, you might lose confidence and give up half-way. Imagine trying an impossible target and losing everything when you could’ve accumulated the right corpus amount with ease.

How Can You Avoid This Mistake?

If you are new to personal finance, you can start by finding how much you can save every month. Meanwhile, you can also keep track of your expenses. It will help you assess your savings potential.

From there, you can educate yourself with retirement planning and corpus calculations. However, it is not advisable to calculate your retirement corpus and using them.

If you have a retirement corpus in mind, you might find this guide helpful: “Is Your Retirement Corpus Sufficient? Use This Reverse Engineering Technique to find out”.

Educate yourself about the process, so that when you plan your retirement with a professional’s help you don’t have to take a leap of faith. Instead, you will be able to consciously trust your retirement plan.

RETIREMENT PLANNING BLUNDERS

4) Falling For Readymade Retirement Plans

In India, readymade retirement plans are sold in the name of ULIPs.

We are leaving out the traditional pension schemes since they are things of the past and insanely bad instruments for retirement planning.

Unit Linked Insurance Plan, on the other hand, takes two different part of personal finance to sell a new all-rounder product.

In simple terms, ULIPs invest in a constellation of instruments like equity and debt funds, and insurance plan. A portion of your monthly premium amount will be directed towards insurance while the rest is invested in the said instruments.

As innovative as they may sound, holistically speaking, they are pretty useless.

“Jack of all trades, master of none”

It would be a better proverb to explain these readymade retirement plans.

Falling for readymade retirement plans

Why Not Readymade Retirement Plans?

Readymade plans sound less demanding of time and money. They are simple, easy to manage, compact.

However, they come at a price. No, it’s not a figure of speech; they come at a price which makes them a bad choice.

  • They demand heavy management charges.
  • They give only a 6%-7% return.

Looking from another perspective,

  • ULIP investments are not as well structured as the mutual fund option available since they are not regulated by SEBI but IRDA.
  • ULIPs let you choose only from a set of pre-selected funds to invest your premium in; even though there are hundreds of fund options available in the market.
  • ULIPs are long-term lock-in investments, Say for 10-20 years as policy term and 5 years lock-in period.
  • It takes out competitiveness among ULIP fund managers, which are prevalent among mutual fund managers to perform better than the other.

In addition to these, ULIPs deny you the control you can have over your retirement plan otherwise.

What Can You Do?

Customized retirement plans are a better option.

A customized retirement plan allows you to tailor a retirement plan as per your needs and potential. Some of the advantages with customized retirement plans are,

  • You can make changes to your retirement plan as required.
  • You can diversify your investments.
  • You can make use of tax-saving opportunities.
  • You can have better insights into your investments.
  • You can project and improvise your retirement plan whenever possible.
  • They mentally prepare you for retirement before you retire.

Customized retirement plans may not be simple or easy to create. But, it provides room for you to develop an apt retirement plan in alignment with your financial goals.

You will be amazed to find out how you can create a better retirement plan by yourself. Read “Customized Retirement Plan For India” to know more about readymade retirement plans and customized retirement plans.

5) Overlooking The Need For Medical Aid

This is an overlooked fact, as old age meant more medical expenses and expenses on annual check-ups.

Also, there could be a need for long term care in hospitals and homes that could drain off a huge sum from your retirement corpus. Any family history of disorders like diabetes, hypertension, and cancer could increase your risk for these disorders further. Your employer may not provide medical aid after retirement. So instead of relying only on your employer-provided Mediclaim policy, it is advisable to take an independent Mediclaim policy when you are young and healthy.

Overlooking the need for medical aid

6) Leaving Out Spouse

When we say leaving out spouse, it is not that leaving out spouse completely from retirement planning. But, it is the lack of conscious inclusion of your spouse as an individual retiree.

Overlooking Spouse’s Life Expectancy:

It is very common in self-made retirement plans that do not involve any professional guidance.

Life expectancy and the retirement age decide the number of years you are going to spend in retirement. In turn, the years in retirement influence your retirement corpus.

However, in almost all the cases the life expectancy of only the retiree is considered—leaving out the life expectancy of their spouse. In such cases, after your lifetime, your spouse must live on what’s left of the retirement corpus—if any. That is, they are left to live beyond the actual retirement plan.

If you make the same mistake, how can your spouse manage their retirement life alone—without any actual retirement plan?

Avoid this grave mistake by following these procedural steps:

➥ Consult a physician for complete medical history evaluation to come at accurate life expectancy possible.
➥ Do the same for both you and your spouse.
➥ Choose the highest life expectancy as the life expectancy age for your retirement planning.
➥ Calculate the retirement corpus for the chosen life expectancy.

In this way, your retirement corpus should cover both you and your spouse’s lifetime for financial needs. If any of you must leave the party soon, the other will at least have financial support.

7) Investing Conservatively

Conservative investment is necessary.

Yes! You read that right.

Your retirement corpus will pay all your expenses in your old age. It is vital to preserving that investment capital.

However, it is a serious mistake considering at what time you do it.

In the accumulation phase of your retirement corpus, investing conservatively will stunt the growth of your investment.

What’s wrong With Conservative Investment?

Retirement investments are long term investments; you obviously will have the time frame to work out an investment strategy.

But if you stick to conservative investments, your investments will have the same value as today considering the exponential increase of inflation year over year.

Besides, retirement corpus is a very large sum than any other saving in your life. Hence, taxation will cut off a significant chunk from your retirement corpus.

The effective post-tax retirement corpus will be much less, and nowhere near the target retirement corpus. In turn, it would

So, What Is The Right Investment Strategy?

You must use the availability of time for your advantage by taking calculated risks.

For Example, Planning for retirement provides a wide time horizon for investments. On the other hand, equity mutual funds are proven to be the best investment instrument over the long term. It’s a feasible investment option for long terms.

However, mutual funds have varying risk levels; you will need a risk tolerance assessment to choose the right fund to invest. And active management and periodic reviews will help to keep the investment performance in check.

When you have accumulated the target corpus, you can make a gradual shift towards conservative investments to further minimize the risks.

Avoid the mistake of not harvesting your investment potential and take calculated risks.

Check out “3 Step Investment Strategy For An Indian Retiree” for a detailed understanding of the right investment strategy for retirement.

RETIREMENT PLAN EXECUTION ERRORS

8) Missing On Opportunities To Save On Taxes And Other Benefits

Your retirement corpus and retirement income need to be tax efficient. Suppose if you are choosing fixed deposit as an investment vehicle for accumulating your retirement corpus, then, you need to pay taxes as and when the fixed deposits mature irrespective of that you withdraw interest or reinvest under a cumulative option.

But you need to pay tax only when you withdraw from the mutual funds. Careful selection of investment vehicle can reduce your tax during the accumulation phase as well as during your retired life. Be careful to avail of all these opportunities and invest the saved amount to build up your retirement corpus.

9) Lack Of Balance In Spending After Retirement

I would always consider extremes in spending habits as unadvisable. Being neither frugal in expenses after retirement nor too lavish to deplete all your savings within the first few years is advised.

You have a right to enjoy a relaxed and comfortable time after retirement. But spending lavishly would only upset the amount of retirement corpus forcing you to give up on even necessities in later years.

It seems sensible thinking that old age could deter one’s health to enjoy in later years and so enjoyed in the first few years. Careful financial planning with projected living expenses and other considerations like savings and pension benefits will give you the best mileage out of your retirement plan.

10) Retirement Planning Without a Financial Plan

It is a mindless mistake.

Your decision to have a retirement should be one of your greatest financial and life decisions. But it also leads to one’s choice supportive bias in the name of,

“Lose Today to Win Tomorrow”

Choice Supportive Bias is when you rationalize that the positive attributes of your choice are worthy of the negative effects it brings.

But, must you lose today to win tomorrow?

The Conflict of Planning:

Financial Planning and Retirement Planning always bring up priority conflicts.

What should one choose? Financial planning secures the present, while Retirement planning secures the uncertain distant future.

Typically one ends up with a decision based on the present financial situation, commitments, and “financial advice” from their social circle. It is usually giving up of retirement planning for securing the present. And on some rare cases vice versa.

No one ever views it as Financial Planning FOR Retirement Planning instead of “Financial Planning vs. Retirement Planning”.

Planning For Relaxed Retirement:

Planning for retirement, in itself, must have a financial plan so that there is a balance between both.

A financial plan, like the retirement plan, is a pivotal part of a holistic plan for your personal finance. Even though the rate of retirement savings will not be as high when you have a financial plan, it will complement and provide positive reinforcement for your retirement plan.

With this holistic plan, you can avoid,

  • Burnout
  • Financial Dilemma
  • Financial Stress
  • Emotional Stress
  • Compromising of commitments.

Hence a sound financial plan sets the right stage to launch your successful retirement plan.

In simple terms, it will help you to “Use Today to Win Tomorrow”.

If you like these solutions to Top 10 Retirement Planning Mistakes, you might also like the “10 Incredible Things That Guarantee A Stress-Free Retirement”. Check it out now.

The Final Note

I am sure you have already started giving a deep thought to avoid these Top 10 Retirement Planning Mistakes that can ruin meeting your retirement corpus and having a relaxed retirement.

To have a peaceful retirement; having a futuristic financial plan for retirement will be of great help. If you are interested to create a workable financial plan for retirement, then you can take advantage of our free 30-minute discussion with us.

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Jey S
Jey S
24. September, 2021.
I have been using Holistic Investment Planners for the last three years. Mr. Srinivasavaradhan answered all my questions and doubts very patiently during the first free consultation. I was able to clearly define my short-, medium- and long-term goals once I signed up for the comprehensive plan and got their investment plan suggestion to achieve my goals. They are very polite and highly professional whenever I contact them for any queries or make investments. They never pressurize you to invest on their recommended financial products. I would have been lost money by investing directly without their help since I do not have time and knowledge about different financial products. Risk planning is also done as part of financial planning. Truly, they are holistic planners when it comes to your financial planning. They help you to define your life goals, understand your financial resources and establish a plan to invest towards reaching those goals. They do review your plan as you progress to make sure that you are on correct path to achieve those goals. Kudos to the team and keep up the good work!!! I am happy that I found holistic investment planners for my financial planning and management.
aksaswadkar
aksaswadkar
24. September, 2021.
I was about to retire and really not understanding how to invest money to have financial freedom and fulfilling my goals. Was desperately searching on internet way out and fortunately came across Holistic Investment Planners. I read number of articles on their website and realized that this is the agency which I want and engaged their services for my retirement planning. It is an excellent experience to be associated with Holistic. Right from day one our interaction was fantastic and they gave me such a wonderful plan that I had never imagined. I am fortunate enough to be in the client list of Holistic. I have recommended Holistic to my friends as well.
Lionel Faber
Lionel Faber
16. September, 2021.
I've been availing their services for the past year. They are highly knowledgeable in the field and are very patient with all doubts and queries. Personalized financial planning is provided keeping your short term, medium term and long term goals in mind. They do not pressurize you to purchase schemes of their choice. They provide their input and suggestions and leave the decision up to you which shows their honesty and high principle.
Sridhar
Sridhar
8. September, 2021.
Financial planning brings peace in life. Holistic Investment have supported in arriving financial plan based on future goals. My investments are regular since then. They are professionals in their business, will recommend others.
Nitesh Agrawal
Nitesh Agrawal
6. September, 2021.
I have been using Holistic Investment Planners from last one year. The journey has been fantastic. Being a finance person myself I always thought we can look after and plan own finances also. However, due to lack of time and deciplain the things are not always as desired. After joining with Holistic Investment for the first time Icame to know the Financial goals and quantified them. Some dreams were unrealistic based on the earnings and savings so had a reality check. Also got the information and deciplain of investing on regular and more rewarding securities. I definetly suggest to use Holistic Investment Planners. They are professionals, available and hear youor full story before presenting plans. They are flexile in the sense if there are some urgent deviations required, they help to plan the same. For all professionals/individuals I would suggest using professional help of Holistic Investment Planners for best results in long term investment and financial goals achivements. Last advise will be to start early in your life. It really pays well to start in the beginning itself else the dreams needs to adjust :)
Swetha Vasanth
Swetha Vasanth
6. September, 2021.
This is my first year service with the Holistic Team and I would say that they are very much helpful in creating a financial plan and follow ups during the year. I would definitely suggest them if anyone who is willing to proceed with their savings professionally.
Joseph Mathias
Joseph Mathias
6. September, 2021.
I came to know about Holistic Investment Planners online while searching for different investment ideas. Once I contacted them the journey was very smooth. Mr. Ramalingam explained all the aspects of Financial planning in detail and it opened my mind. I realized how important it is to have a Financial planning. Mr. Rajan suggested all the requirements as per my goals and made a Investment plan keeping in mind of my goals. I started my Investment journey with them. I wish I had done it some years back then it would have been in a different level. Review meetings were held every six month to check the implementation of the plan and check the results as per the requirements and to check if any changes required. Overall it was a good experience with Holistic Investment team and would like to continue in the years to come.
Srinvas Kannan
Srinvas Kannan
30. July, 2021.
I came across Holistic investment planners almost 5-6 years back, but I did not have the trust since I had met a few of them who did not sound promising. Then I started investing through a financial advisor of my friend. After 4 years of investing the returns were very low. I was disappointed and started looking for financial advisors when I came across Holistic investment. I had a detailed discussion about my goals and the way they would approach achieving my goal before deciding to switch my investments to them. After a thorough analysis of my then existing portfolios, they suggested new ones and we zeroed-in on 6 schemes/funds where our investment would be split. I am glad I made the decision of switching over and taking Holistic planner's advise, my returns are handsome and I only wish I could have taken their help/advise 5 years back itself. Neverthless, I would like to recommend their services for investment and financial advise if someone is serious about their investments.
Shivaram Andiappan Selvaraj
Shivaram Andiappan Selvaraj
3. July, 2021.
I got a free first time consultation. I got my doubts resolved. They also gave additional advises for investment planning which was also useful.
Nellai B
Nellai B
26. June, 2021.
I have been associated with them for the past three years. They are very professional and polite in answering all our questions. I have complete trust in their suggestions. I strongly recommend for anyone. I am looking forward to have strong and successful association with them.
Google rating score: 4.4 of 5,
based on 61 reviews

Google Reviews

Jey S
Jey S
24. September, 2021.
I have been using Holistic Investment Planners for the last three years. Mr. Srinivasavaradhan answered all my questions and doubts very patiently during the first free consultation. I was able to clearly define my short-, medium- and long-term goals once I signed up for the comprehensive plan and got their investment plan suggestion to achieve my goals. They are very polite and highly professional whenever I contact them for any queries or make investments. They never pressurize you to invest on their recommended financial products. I would have been lost money by investing directly without their help since I do not have time and knowledge about different financial products. Risk planning is also done as part of financial planning. Truly, they are holistic planners when it comes to your financial planning. They help you to define your life goals, understand your financial resources and establish a plan to invest towards reaching those goals. They do review your plan as you progress to make sure that you are on correct path to achieve those goals. Kudos to the team and keep up the good work!!! I am happy that I found holistic investment planners for my financial planning and management.
aksaswadkar
aksaswadkar
24. September, 2021.
I was about to retire and really not understanding how to invest money to have financial freedom and fulfilling my goals. Was desperately searching on internet way out and fortunately came across Holistic Investment Planners. I read number of articles on their website and realized that this is the agency which I want and engaged their services for my retirement planning. It is an excellent experience to be associated with Holistic. Right from day one our interaction was fantastic and they gave me such a wonderful plan that I had never imagined. I am fortunate enough to be in the client list of Holistic. I have recommended Holistic to my friends as well.
Lionel Faber
Lionel Faber
16. September, 2021.
I've been availing their services for the past year. They are highly knowledgeable in the field and are very patient with all doubts and queries. Personalized financial planning is provided keeping your short term, medium term and long term goals in mind. They do not pressurize you to purchase schemes of their choice. They provide their input and suggestions and leave the decision up to you which shows their honesty and high principle.
Sridhar
Sridhar
8. September, 2021.
Financial planning brings peace in life. Holistic Investment have supported in arriving financial plan based on future goals. My investments are regular since then. They are professionals in their business, will recommend others.
Nitesh Agrawal
Nitesh Agrawal
6. September, 2021.
I have been using Holistic Investment Planners from last one year. The journey has been fantastic. Being a finance person myself I always thought we can look after and plan own finances also. However, due to lack of time and deciplain the things are not always as desired. After joining with Holistic Investment for the first time Icame to know the Financial goals and quantified them. Some dreams were unrealistic based on the earnings and savings so had a reality check. Also got the information and deciplain of investing on regular and more rewarding securities. I definetly suggest to use Holistic Investment Planners. They are professionals, available and hear youor full story before presenting plans. They are flexile in the sense if there are some urgent deviations required, they help to plan the same. For all professionals/individuals I would suggest using professional help of Holistic Investment Planners for best results in long term investment and financial goals achivements. Last advise will be to start early in your life. It really pays well to start in the beginning itself else the dreams needs to adjust :)
Swetha Vasanth
Swetha Vasanth
6. September, 2021.
This is my first year service with the Holistic Team and I would say that they are very much helpful in creating a financial plan and follow ups during the year. I would definitely suggest them if anyone who is willing to proceed with their savings professionally.
Joseph Mathias
Joseph Mathias
6. September, 2021.
I came to know about Holistic Investment Planners online while searching for different investment ideas. Once I contacted them the journey was very smooth. Mr. Ramalingam explained all the aspects of Financial planning in detail and it opened my mind. I realized how important it is to have a Financial planning. Mr. Rajan suggested all the requirements as per my goals and made a Investment plan keeping in mind of my goals. I started my Investment journey with them. I wish I had done it some years back then it would have been in a different level. Review meetings were held every six month to check the implementation of the plan and check the results as per the requirements and to check if any changes required. Overall it was a good experience with Holistic Investment team and would like to continue in the years to come.
Srinvas Kannan
Srinvas Kannan
30. July, 2021.
I came across Holistic investment planners almost 5-6 years back, but I did not have the trust since I had met a few of them who did not sound promising. Then I started investing through a financial advisor of my friend. After 4 years of investing the returns were very low. I was disappointed and started looking for financial advisors when I came across Holistic investment. I had a detailed discussion about my goals and the way they would approach achieving my goal before deciding to switch my investments to them. After a thorough analysis of my then existing portfolios, they suggested new ones and we zeroed-in on 6 schemes/funds where our investment would be split. I am glad I made the decision of switching over and taking Holistic planner's advise, my returns are handsome and I only wish I could have taken their help/advise 5 years back itself. Neverthless, I would like to recommend their services for investment and financial advise if someone is serious about their investments.
Shivaram Andiappan Selvaraj
Shivaram Andiappan Selvaraj
3. July, 2021.
I got a free first time consultation. I got my doubts resolved. They also gave additional advises for investment planning which was also useful.
Nellai B
Nellai B
26. June, 2021.
I have been associated with them for the past three years. They are very professional and polite in answering all our questions. I have complete trust in their suggestions. I strongly recommend for anyone. I am looking forward to have strong and successful association with them.
Google rating score: 4.4 of 5,
based on 61 reviews

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