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Most Indians of this generation will have no monthly pension coming their way when they hang up their boots. This gives rise to a lot of insecurity about how much money they really need to save for a cushy retirement. What are these and will they work for us Indians? Now, you may rejoice at this thumb rule because it looks so easily doable. The calculation assumes that a person retires at 67, parks at least 50 per cent of his savings in equities and will need to replace only 45 per cent of his income post-retirement, thanks to social security. In a paper, three finance professors from the Trinity University tried to find out what would be the safe withdrawal rate for a retirement portfolio made up of stocks and bonds, using live data on the US markets.

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The stock recos, in particular, had him in thrall. Soon Bandu metamorphosed into an ace investor and trader. These days, Bandu picks five stocks each Sunday, which he believes will be blockbusters over the next week. Guess the stock that will give the best return by next Friday BSE prices.
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