In this episode of Paisa Vaisa, host Anupam Gupta sits down with Ravi Saraogi, founder of Samasthiti Advisors, to decode the essentials of retirement planning in India. Ravi shares his journey as a Registered Investment Advisor (RIA), dives deep into fundamental concepts like accumulation phase, corpus, and safe withdrawal rate, and provides a clear roadmap for listeners to start their financial planning. We also explore Ravi’s groundbreaking January 2024 research paper co-authored with Rajan Raju, uncovering key insights and challenging outdated approaches to retirement in India. Learn about the critical role of sequence of returns risk, Ravi’s response to a Mint article debate on retirement numbers, and actionable strategies to secure a financially independent future.