Retirees are being told to rethink one of the most popular rules in personal finance: the idea that you can safely pull 4% of your portfolio each year and be fine. Market valuations, inflation swings, ...

The three-bucket idea sounds neat in theory. The real challenge is translating it into Indian accounts, funds and tax rules without creating a complicated mess you won’t maintain.

Forbes contributors publish independent expert analyses and insights. I am the President of Diversified, a CFP and author. Planning for retirement doesn’t have to be complicated. A straightforward ...