Retirement Planning : Your Number Won’t Save You

Nilesh Prabhu
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Your retirement won't collapse because of a wrong number; it collapses because the system can't survive inflation, market crashes, and a long life. The powerful 5-episode podcast, The Retirement Machine, exposes why traditional corpus-based planning is a high-risk gamble. Discover the pro secrets: The 4 real risks that destroy wealth (Sequence Risk, Systemic Crisis, etc.), the exact structure professionals use, and why Quality Equity + Balanced Advantage Funds form the ultimate crisis-ready engine. Get a complete age-wise asset allocation blueprint. Build a resilient financial machine

Episodes

  1. 11/16/2025

    EP5(Hindi) - The Ultimate Stress Test: Will Your Retirement Portfolio Survive Real-World Crises?

    A retirement plan means nothing until it’s tested in the real world. In this final episode, we stress test your portfolio against the biggest financial disasters: ⚠️ Test 1: A 40% Market CrashWill your income stop?Will BAF protect your withdrawals? ⚠️ Test 2: High Inflation WaveWill your lifestyle remain intact?Will your equity and gold hold purchasing power? ⚠️ Test 3: Emergency in a Bear MarketDo you have liquidity?Or will you be forced to sell at the bottom? This episode proves why the combination of Quality Equity + BAF + Gold + Debt forms the most powerful and crisis-resistant retirement system for India.

    5 min

  2. 11/16/2025

    EP4(Hindi) - The Age-Wise Asset Allocation Blueprint: What to Invest in at 25, 35, 45 & 55+

    Retirement planning is not “one portfolio for life.”Your portfolio must evolve with your age, risks, and goals. This episode gives you a complete glide path: 👶 Age 25–35: High Growth & CompoundingQuality Equity heavy, BAF for stability, gold as a hedge 🧑 Age 35–45: Mid-Life ConsolidationMore balance, reduced drawdown risk 🧓 Age 45–55: Transition PhaseSequence-of-returns risk rises sharplyBAF becomes crucial 🎯 Age 55+: Retirement & Withdrawal PhaseLow volatility, predictable income, stable asset mix This is your lifetime roadmap—designed to create income that lasts as long as you do.

    6 min

  3. 11/16/2025

    EP3(Hindi) - The Two Pillars of a Strong Retirement Engine: Quality Equity & Balanced Advantage Funds

    The most important question in retirement planning:Why do you need BOTH Quality Equity and Balanced Advantage Funds? This episode reveals the complete logic: 🚀 Quality Equity (Nifty 500 Quality 50)– Beats inflation– Smooths long-term returns– Avoids weak companies and deep drawdowns– Provides stable compounding over 25–30+ years 🛡️ Balanced Advantage Funds (BAF)– Reduce volatility– Protect during market crashes– Manage valuation risk– Automatically adjust equity exposure– Shield withdrawals during downturns And most importantly: 👉 Quality protects you from bad companies👉 BAF protects you from bad timing Together, they form the perfect retirement engine:Growth + Stability + Survival. This is the foundation of a truly resilient lifelong portfolio.

    5 min

  4. 11/16/2025

    EP2 (Hindi) The 4 Hidden Retirement Risks: How to Protect Yourself from Inflation, Crashes & Emergencies

    Retirement is not destroyed by low returns. It is destroyed by four powerful risks no one plans for In this episode, you’ll learn all those 4 risk. Inflation Risk — why your expenses double and your corpus melts Sequence-of-Returns Risk — the single biggest reason retirees run out of moneySystemic Crisis Risk — when equities, debt, and currencies fall togetherLiquidity Risk — how emergencies force you to sell at the worst time You’ll also understand exactly which assets solve each risk: ✔ Equity → beats inflation✔ Balanced Advantage Funds → reduce sequence and crash risk✔ Gold → protects during systemic shocks✔ Debt & Cash → provide safety and emergency access This episode gives you the risk map professionals use to build lifelong retirement income.

    5 min

  5. 11/16/2025

    EP1(Hindi) The Biggest Myth in Retirement Planning: Why a Corpus Number Is Never Enough

    Most people believe retirement success depends on hitting a target number. But the truth is: retirement doesn’t fail because your corpus was too small. It fails because your system wasn’t designed for real life. In this episode, you’ll discover: Why “2 crore / 3 crore / 5 crore” thinking is fundamentally flawedHow inflation silently doubles your expensesHow market crashes destroy portfolios that rely only on corpusWhy emergencies break traditional retirement plansWhy you must build a retirement machine, not just a savings target This episode resets everything you think about retirement planning. A must-listen if your retirement plan is built on a number.

    4 min
  • 5 Episodes

About

Your retirement won't collapse because of a wrong number; it collapses because the system can't survive inflation, market crashes, and a long life. The powerful 5-episode podcast, The Retirement Machine, exposes why traditional corpus-based planning is a high-risk gamble. Discover the pro secrets: The 4 real risks that destroy wealth (Sequence Risk, Systemic Crisis, etc.), the exact structure professionals use, and why Quality Equity + Balanced Advantage Funds form the ultimate crisis-ready engine. Get a complete age-wise asset allocation blueprint. Build a resilient financial machine

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