The Last Big Financial Decisions
A
12-Quarter Money Guide for Pre-Retirees (55+) – Jan 2026
Why this post
The most dangerous
financial phase is not early life. It is five years before retirement,
when mistakes become permanent.
Objective
·
Protect capital
·
Simplify finances
·
Reduce regret risk
Principle information deck
Anchored in
RBI insights on: - Financial stability - Interest-rate uncertainty - Household
leverage risks
The 12-Quarter
Reality (2026–2028)
Phase 1: 2026 (Protect)
Actions - Lock health insurance - Move 5 years’ expenses into low-risk
assets
Nudge: Complexity is not sophistication at this stage.
Phase 2: 2027 (Simplify)
Actions - Consolidate accounts - Reduce equity gradually
Caution: Cluttered savings hide real risk.
Phase 3: 2028 (Defend)
Actions - Book profits - Stress-test retirement income
Nudge: Retirement is about income certainty, not market participation.
Output: Decision Matrix
|
Trigger |
Decision |
|
Market rally |
Partial profit booking |
|
Health risk |
Liquidity first |
|
Inflation spike |
Protect purchasing power |
Outcome
Retirement begins with clarity,
not correction.
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