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How do you stay rich even after you retire?

Invest in P2P Lending

Many people are afraid of retirement. They think that they will be out of money after they retire. This is not true. You should still be making money after you stop working and you can do it by making systematic withdrawals from your account, which is based on your cash-flow.  

“The question isn’t at what age I want to retire, it’s at what income.” 

George Foreman

You need to ask yourself questions like these if you want to strategically plan your retirement. 

  • When will I Retire? 
  • What do I hope to accomplish when I retire? 
  • How much do I have saved right now? 
  • Will my investments assist me in creating a solid corpus? 
  • What has my family’s typical life experience been like? 
  • How long should my post-retirement plan be? 
  • What are my regular monthly expenses? 

Retirement planning is not just about saving up for the future but also figuring out how to get regular income after retirement. 

Here are 5 ways to help you lead a financially stable life even when you retire.  

The 4% rule

The 4% rule is a guideline for retirement income planning that suggests that retirees can safely withdraw 4% from their savings every year. The rule is based on the idea that if a retiree withdraws less than this amount, they have a good chance of not running out of money. 

The 4% rule was developed by William Bengen, who published his research in 1994. He found that the average stock market return was about 8%. That means that when you withdraw your money at a rate of 4%, you will be able to spend it for 30 years before you run out of money. 

But there is a slight change in this rule due to inflation.  

According to a paper released on Monday by Ms. Benz and her co-authors, the current state of the market now permits new retirees with a 30-year horizon to spend 3.8% of their income. The explanation: Expectations for future investment returns are supported by today’s lower stock and bond valuations than they were last year. 

With hundreds of simulations of future market situations, the suggested withdrawal rate for new retirees changes from year to year, rising and dropping. 

If someone retires today with a Rs. 1 million portfolio that is split 50/50 between equities and bonds, they would spend no more than Rs. 38,000 in 2023 based on Morningstar’s 3.8% spending advice. 

Invest in SIP early

If you are between the ages of 25 and 35, are willing to take on a lot of risk, and have some time before hanging up your work boots, you might invest 90% to 100% to various equities mutual funds and 5% to debt and gold, respectively. Review your equity allocation as you become older. The equity allocation must decrease when you are only a few years away from retirement. 

You have two options for investing in equities mutual funds: a lump amount and a systematic investment plan (SIP). The latter can support your retirement savings and investments by making consistent monthly investments and enduring market turbulence (with the inherent rupee-cost average feature of SIPs), 

The investments are made in a systematic way, which means that you invest for a certain period of time and then stop. A SIP is an excellent way to build your wealth over the long-term. 

A SIP is an excellent way to build your wealth over the long-term.  

By investing regularly each month, the latter can help you save and invest a specific amount for your retirement, weather market volatility (thanks to the built-in rupee-cost average function of SIPs), and amass a sizeable corpus for your later years. As an illustration, assuming a 10% CAGR over 25 years, a monthly SIP of Rs 20,000 into a diversified stock fund can help you build Rs 2.67 crore. That is how compounding works! 

Invest in P2P lending

Peer-to-peer lending is a form of lending that connects borrowers and lenders through a website. The borrower gets a loan from the lender with an agreed interest rate and repayment term. 

P2P lending companies are also known as online or marketplace lenders. They connect people who want to borrow money with those who want to lend money. This method of investing gives you superior returns and you can also choose to withdraw the interest amount monthly to create passive income after retirement.  

Monexo is an online peer-to-peer lending platform that has been operating since 2011. It offers loans to borrowers at attractive rates and offers attractive returns to lenders. In the last few years, Monexo has grown exponentially in terms of volume and number of users. 

Keep mixed assets

 As oxygen is to human life, asset allocation is to investing. It refers to how to put money into different asset classes while taking your risk tolerance into consideration. The asset class you choose to invest in will determine the type of returns you will receive, so choosing wisely is crucial. The error many people make when choosing this, though, is to become overly cautious and either completely ignore equity or have very little exposure.  

However, investing in high-growth assets is necessary to obtain returns that outperform inflation. In comparison to gold, which has returned only 29% over the past 10 years, the S&P BSE Sensex has returned 184%. (in dollar terms).  

The figures unequivocally demonstrate the need for equity exposure. In addition to equity, the following are some more options you can look at to expand your corpus and ensure a consistent income stream after retirement.  


With the right savings and investments, you can make sure that your money lasts a lifetime. 

A well-managed portfolio is a way to grow your money while still having control over it. It can also be a way to help you make decisions about how much risk you want to take on. 

If you are retired or plan to retire soon, here are some steps you should take: 

  • Determine how much money you will need for retirement  
  • Establish an emergency fund   
  • Create an investment portfolio that suits your needs 
  • Make a budget  
  • Start contributing to retirement and long-term savings plans. 

Don’t wait until you are older to go through these steps. They are easy to implement, and the earlier you start, the better off you will be! 

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Reserve Bank of India does not accept any responsibility for the correctness of any of the statements or representations made or opinions expressed by Monexo, and does not provide any assurance for repayment of the loans lent on it.

Monexo Fintech Private Limited ( is having a valid certificate of registration (CoR), dated 28th June 2018, issued by Reserve Bank of India under Section 45 IA of the Reserve bank of India Act, 1934.