R Ganesan · Chennai · investing since 2016
Near Retirement in a Falling Market, He Changed the Strategy — Not His Goals
At 2016 the two goals were a villa and a retirement corpus. By 2020, protecting capital felt as urgent as growing it.
Mr. Ganesan began investing with FinEdge in 2016 with two clear priorities: purchasing a villa in Chennai and building a corpus for retirement. For several years he stayed invested through a disciplined SIP approach, working steadily towards both.
2020, with retirement in sight
As markets became volatile, he considered moving out of equity entirely to protect what he had accumulated.
With retirement drawing closer, preserving capital felt just as important as growing it. Instead of an all-or-nothing exit, parts of the portfolio were de-risked gradually, matched to each goal's horizon, and Systematic Transfer Plans created a measured transition without requiring him to sit entirely outside the market.
Thanks to FinEdge, I'm a strong believer that discipline is a critical factor in investing and so is long-term vision.
The question in front of him now is a different one from the question he started with. Building a corpus and drawing an income from it are not the same exercise, and 2027 is close enough for that to be the live conversation.