Retirement Planning for Senior Citizens| RetyrSmart

retirement & work

Retirement does not have to be the beginning of the end. Just because you have completed your tenure with one job does not mean that you cannot pursue other careers or opportunities. They could even be in areas very different from what you have been doing. Read more about thoughts on working in retirement and maybe tips and suggestions We at RetyrSmart sincerely believe that the retired people in our Retyrsmart community are an awesome resource.

Team Retrysmart, will be sharing as many viewpoints as possible regarding the importance of continuing to work, finding new opportunities, embarking on newer fields etc.

In this section you will find articles and blogs regarding Retirement & Work published on our site since the beginning. Productive Reading !!

Team Retyrsmart .


    Explore what options you could explore once you retire -- an interesting perspective

    The author of the article below would like you to consider passing on the knowledge you have attained working for so many years to make life better for others. Its an interesting perspective on what to do post retirement. . ..  . . .. . .... .... ..... ..... .... . . .. . . . . . . ...Read More


    Unlocking value of a house you won't be using makes sense

    Here is some sage advice from an experienced financial planner. If there is an asset of decent value that you won't be using or needing going forward, it may be better to dispose it off and use the proceeds in a way that best suits you and yours, all in your lifetime. Look at the good reasons she provides for making that move in the article below... .  . . . . . ...Read More


    The need to revisit traditional retirement advice now

    Retirement Planning may not be as simple as following a set of rules. You have to look closely at your situation, your income, your goals, and your desired standard of living now and later on. As this financial adviser's time to "retire" some popular retirement advice that no longer makes sense in today's world. Check what needs to kept in mind now.. .  . . . . . ...Read More


    How to make your golden years glow with happiness

    Retirement is meant to be a period of happy days leading to the end of a life well lived. Sometimes its not quite so. In the article below the author shares a few thoughts on how you could make your golden years to be really happy years. Enjoy your retirement.. . . .. . .... .... ..... ..... .... . . .. . . . . . . ...Read More


    How to make your golden years glow with happiness

    Retirement is meant to be a period of happy days leading to the end of a life well lived. Sometimes its not quite so. In the article below the author shares a few thoughts on how you could make your golden years to be really happy years. Enjoy your retirement.. . . .. . .... .... ..... ..... .... . . .. . . . . . . ...Read More


    Retirement routes -- what makes sense to you?

    The retirement scene has a few complexities. You can find different ways you can retire and each route will come with its own timelines. The article below lists out five types of retirement you'll find happening in the current scenario..  . . . . . ...Read More


    Are our senior citizens aware of the easy banking facilities being provided ?

    The government has been making efforts over the years to make life a lot easier for our senior citizens. While there is still a lot more to be done, its important for our senior citizens to take advantage of facilities already mandated by the government. One such are is that of Banking. There have been efforts to make the whole process of banking smooth and easy for the older people. But the problem lies in awareness. Many of our older citizens are not quite aware of what facilities are available. In the article below the author tries to cover the banking related facilities that our senior citizens should be aware of and should be taking advantage of.  . . . . . ...Read More


    Why it makes sense to avoid boredom in retirement

    Don't make retirement the opposite of what its meant to be. Its meant to be happy times for most of the period, but if boredom sets in it could really kill the way retirement is supposed to pan out for us. The author here in a very simple manner sets out the case for fighting boredom in retirement.. . .. . .... .... ..... ..... .... . . .. . . . . . . ...Read More


    How PPF helps you save taxes and provide in your retirement

    Public Provident Fund or PPF as its popularly known as has been a household name among Indian investors and savers over the years. Even then it’s as good a time as any to remind ourselves , especially with retirement on our minds, of the good things that PPF does for our finances. Read about it in the article below... . .. . .... .... ..... ..... .... . . .. . . . . . . ...Read More


    Thought and effort goes into making retirement phase more meaningful

    After many years of hard work and demanding schedules retirement seems like a very welcome phase in life. But it requires some thought and effort to make yoyr retirement more meaningful and more enjoyable. The author makes a strong case for putting in that thought and effort in the article below. .. . .. . .... .... ..... ..... .... . . .. . . . . . . ...Read More


    Questions to understand if your Retirement Financial Advisor is the right one

    Moving into retirement supported by a retirement financial advisor can ease the transition significantly. But does this person really fulfil all that you need to make the transition successful. A few questions to adviser can help and that's what this author is helping you with in the following article. .. . .. . .... .... ..... ..... .... . . .. . . . . . . ...Read More


    Adopt a healthier attitude towards getting older

    A lot of people see aging as a curse. With every birthday comes a greater sense of heaviness, a greater sadness about the imminent arrival of the consequences of old age. No more sports. No more good sex. No more new friendships or hobbies. You might as well invest in your rocking chair now and get comfortable in it. . .... ..... ..... .... . . .. . . . . . . ...Read More


    Making wealth accumulation more meaningful

    Retirement is a time when we would or should play it safe. Are we doing enough to ensure that we manage all potential risks is a big question. The environment and circumstances are changing all the time. So, it's a good idea to take a reality check from time to time. The author here provides an interesting perspective. .... ..... ..... .... . . .. . . . . . . ...Read More


    Making wealth accumulation more meaningful

    Wealth is a reservoir we build over our lifetimes. We build it with a combination of hard work, industriousness, ingenuity, astute investments and other factors. Capabilities, risk taking abilities, business sense and people skills may all contribute to one's success. Some of us are more successful here than others and we get to enjoy the fruits of our wealth in our lifetimes. The point to keep in mind is that at least one of the reasons for success is a society that has been supportive and has allowed one to build wealth. Luck plays a role too in one's success. While some build wealth this way, some inherit wealth. .... ..... ..... .... . . .. . . . . . . ...Read More


    Tax saving investment options for senior systems

    Saving on taxes while your investments earn decent incomes is a very happy spot to be in. Especially as a retiree, every bit that you can save goes a long way in retirement. So, what are the best tax saving instruments for you ? This article helps you discover some good options...... ..... ..... .... . . .. . . . . . . ...Read More


    Deadly Sins of Retirement Planning

    All of these retirement planning sins can set you back from achieving important goals. If you have a nagging feeling that you could be doing a better job of retirement planning, check out these seven offenses and learn how to get back on track. .  .. ..... ..... ..... .... . . .. . . . . . . ...Read More


    Ideal financial instruments for your retirement investments

    Saving for your retirement is possibly one of the most important financial goals. You need to invest in a good mix of financial products to make sure that you accumulate enough to live a comfortable life after you retire. Your job of investing should not end once you retire, you need to have a good mix of investment products even while living in retirement. .  .. ..... ..... ..... .... . . .. . . . . . . ...Read More


    6 Tips For A Terrific Retirement

    The transition from work to retirement can be a challenge. As much as we complain about work, a full-time job provides us with a routine, a community and a sense of purpose. If you want to enjoy a fulfilling retirement, you need to find a way to replace those benefits. But what's the best way to do that? How do you decide where to devote your time and energy? The author shares his learnings from a group of retirees which can help you to enjoy your retirement more meaningfully.... ..... ..... .... . . .. . . . . . . ...Read More


    Tendulkar batting well in life’s second innings

    With a few days to go in December think about the places you could visit during this lovely time of the year. Great for travel surely. Some interesting destinations are laid out in the following articles. Happy travels..  ..... ..... ..... .... . . .. . . . . . . ...Read More


    Avoid These 7 Pitfalls of Retirement

    Retirement isn't always one big vacation. Remember to prepare for potential problems. We all look forward to retirement as a rewarding and pleasurable time of our lives. But there are going to be occasions when the reality does not measure up to the dream. Here's what to watch out for, and what to do about it. That's what the author has put forward in this article. ..... ..... ..... .... . . .. . . . . . . ...Read More


    Ways to beat loneliness in retirement

    For most of us, our sense of identity is largely shaped by our careers and, without the routine of everything that comes with work - the stress, short deadlines, unnecessary meetings and long lunches with colleagues - we're left with feeling isolated and lonely. That's what this article is based on and offers a few ways that such isolation and loneliness can be combatted. ..... ..... ..... .... . . .. . . . . . . ...Read More


    Avoiding these common mistakes can make for an easier retirement

    Retirement should be the easy part of life, hence why we save and invest so much to fund it, and there are simple ways to make sure your decisions are the right ones from the start. Increased choice brings increased risks, including the possibility of running out of money later in retirement. To stay on top of your retirement, the author, of the article below, cautions you that there are seven common mistakes you must avoid..... ..... ..... .... . . .. . . . . . . ...Read More


    5 Mistakes To Avoid in Your Retirement Plan

    If you're new to retirement, you can expect to make some mistakes. It's all unexplored territory for you, after all, and you'll have to figure out some things as you go. But you can learn a lot from the experiences of those who've gone before you - and that's especially important when it comes to your finances. Too many stumbles and surprises could take a toll on your hard-earned nest egg. This article helps you avoid some of the common mistakes we may make in our retirement planning.. .. . . . . . . ...Read More


    Some Of The Most Important Retirement Decisions You'll Ever Make

    Retirement itself is a very new idea. For most of history, we "worked" until we died. Times have changed -- people are living for decades after leaving the workforce. We aren't hard-wired to plan for this... and it shows.. ......... .... . . .. . . . . . . ...Read More


    This is how to have the 'perfect' retirement

    Most people look forward to retirement as a time to forget their worries, live without a boss or a commute and to perhaps just kick back whenever and however the urge appears. ......... .... . . .. . . . . . . ...Read More


    Food, fitness and health in your 60s and beyond

    Over 60? Discovery Vitality shares an article here that encourages youthfulness through a holistic approach to your wellbeing no matter what your age is. Here's your guide to managing your diet, exercise and health......... .... . . .. . . . . . . ...Read More


    Inspirational stuff: Senior Citizens learn new skills in their golden years

    Now in their golden years, three people find their way back to studying a new skill long after they had left their schooldays behind. Its really something we can take inspiration from. Read on and see if you too can think of picking up a new skill just for the fun of it. All the Best..... .. ... . .. . . . .Read More


    8 Things about retirement to be aware of for better planning

    Whether you are planning your retirement or are close to retirement or are recently retired, the following should open your eyes to some of the things you may have missed when thinking of retirement. Becoming aware of these retirement related issues will help with better retirement planning and fewer surprises in retirement..... .. ... . .. . . . .Read More


    Grand-parenting, the joys and challenges

    Many of our readers are grandparents already or are at least grandparents in waiting. Here is a grandmother sharing her experiences of being one…the pleasures and the challenges. A heart-warming read.... .. ... . .. . . . .Read More


    How To Live Well In Your Golden Years

    As many of us approach retirement, it’s a good time of think of how we could make our retirement years really feel like the Golden Years they are meant to be. Read on.. .. ... . .. . . . .Read More



    Many of us are in the zone. Already grandparents or soon to be grandparents. This heartfelt feedback from a youngster who enjoyed and benefited from his grandparents’ company makes for delightful reading that leaves a lot of food for thought on the table. It’s a little long but an interesting read for sure. .. ... . .. . . . .Read More


    How to be happy in retirement

    Retirement can be the happiest period of a person's life. Free time and independence from full-time work can have a profound impact on mental health, and studies have shown that retirees experience both an instant and enduring increase in their overall life satisfaction once they leave the workforce. The article below helps you with practices that can make your retirement really happy.. ... . .. . . . .Read More


    Important Things To Do In The Year Before You Retire

    You've worked hard all your life and are finally gearing up to bring your career to a close. But before you do, there are a few key moves you'll need to make to set yourself up for the future. In the article below the author specifies 3 moves to make at work the year before you retire. Moves that will keep you in good stead in retirement. ... . .. . . . .Read More


    Concerned about financial stability after retirement? Check out these useful tips

    With inflation going up and everything becoming expensive, just saving for the future might not be enough. That said, you need ways to make sure that you are financially stable and independent post-retirement as well. Below are 5 ways to be financially independent post-retirement... . .. . . . .Read More


    Some interesting learnings while growing older

    The author of the article below talks of him growing up from a youngster to a more mature middle-aged person. He shares what he feels are lessons he has learnt in the transition. Useful observations that the reader may find interesting maybe even useful in dealing with ones life as it progresses.. . .. . . . .Read More


    I have retired - What shall I do next?

    So your time for retirement has come and you are wondering what to do next? Most of us do not plan for our retirement, putting off the difficult debate with oneself on the pretext that we will cross the bridge when we come to it. . .. . . . .Read More


    From joy of retirement to retiring hurt

    RRetirement blues hit hard with regards to authority, power and command. My successful culmination of the Army innings was celebrated in a befitting manner by my wife. A surprise holiday with designer outfits and footwear from her own savings touched my heart. First three months after retirement were memorable, as I was pampered to the hilt — my favourite dishes, visits to my relatives, golf at will. .. . . . .Read More


    So Much To Do @ 60

    Really? When I meet friends who ask me how is my ‘retired life’, I often tell them that my life is as busy as it was, except for the headache of meeting a ‘revenue budget’ every month. And I think I am lucky.. . . . .Read More


    The Three Lies People Tell Themselves About Retirement

    Most people don’t set out to lie to themselves about retirement, but it’s hard not to do. The issue stems from people going into it with overgeneralized assumptions and vague ideas about what everyday life in retirement will look and feel like. In other words, people think retirement is going to be or mean one thing, and then when it doesn’t turn out that way, they have to lie to themselves in order to rationalize how they feel about it. Overtime, the lie is perpetuated onto others and the tradition carries on. . . . .Read More


    Passing on your wealth without causing unhappiness

    Most older people in some way or the other are working through their estate planning. What to leave to whom and how are the key questions that you may be trying to address. In this article here, a family wealth expert raises an important issue of how to manage passing on of an inheritance without leaving anybody unhappy in the process. Team RetyrSmart feels these will be useful inputs for many of our readers as they go about their estate planning. . . .Read More


    Healthy Retirement is Happy Retirement !

    Most of us would be looking forward to our Retirement as period of leisure and fun with no deadlines to be met. It’s also a time when we tend to focus a bit more on ourselves. Team RetyrSmart urges our readers to focus on good health too during Retirement as we believe that Healthy Retirement is Happy Retirement. .. . . . .Read More


    The 7 Wonders of the World. The New List

    We have all grown up reading about the 7 Wonders of the World. Of those the only one we could possibly see today is the Pyramids of Giza. Why not look at new set of Wonders as per popular opinion. Team RetyrSmart would look forward to hearing from our readers about what they feel about these new Wonders .. . . . .Read More


    Planning on Retirement ? Important things to consider well in advance

    Are you planning to retire soon? Are you dreaming of the retirement phase of your life? It is easy to fantasize about how you might spend your time: traveling, spending time with loved ones exploring hobbies, etc.

    Well that is the easy part. If you are seriously considering retiring in the next year or so, below are some recommendations for things that need to happen before you start hinting at retirement party ideas at work. .. . . . .Read More


    How To Make Your Retirement More Meaningful

    Retirement is a major life transition, but its stages are predictable. Sadly, most people don’t think it through all the way. Many retire simply because they hate their job or as soon as they have enough money. Before they retire, they work 40-60 hours per week, which is a lot of time to fill. The average retiree watches 43 hours of TV per week. Don’t let yourself fall into that rut. These 10 tips can help you have a meaningful retirement. .. . . . .Read More


    Things I’ll Do Differently When I’m Old

    Soon after my 50th birthday, 10 years ago, I started keeping a list of “Things I will do/things I won’t do when I get old.”

    It was a highly judgmental, and super secret, accounting of all the things I thought my parents were doing wrong. My dad lied chronically about taking his meds. He refused to get a hearing aid, telling others to “up their audio” (he had been a television producer). My mom smoked behind my back (she thought) until the day she was diagnosed with lung cancer. It was all too easy to call them out, and I recognized over and over just how awful it is to become feeble, sick and increasingly absent-minded, or worse. .. . . . .Read More


    where do i begin ?

    The new year is off to a brisk start, as usual. You were quite busy last year, as usual. Lots of thoughts

    on what needs doing but lots didn’t get done, as usual. And now not too sure where to begin on allthe pending thoughts, as usual. If you have not been keeping meticulous notes, it’s possible you don’t remember most of the things that went through your mind last year. That’s not a nice place to be in if you intend making 2018 a much more productive and effective year for yourself.. . . . .Read More


    7 Ways Senior Men Can Overcome Loneliness, The Silent Killer

    Loneliness is one of the top threats to senior men’s health. Living in isolation can take a physical, mental, and emotional toll in older adults. Relentless solitude can accelerate the rate of cognitive decline, and increase the risk of heart disease by 29 percent and stroke by 32 percent. It’s as important a risk factor for early death as obesity and smoking. For Boomer men told to “man up” their entire lives and not ask for help, loneliness can be a silent killer. . . . .Read More


    Retirement tips: 4 steps to a happier retirement

    Is retirement near? Are you among the 10,000 Baby Boomers turning 65 daily? It’s exciting, yet daunting — freedom tainted with dreaded aging. Here are my four favorite lifestyle tips for happy retirement, culled from decades of working with retired folk. . . . .Read More


    How to Stay Busy During Retirement

    You’ve done the hard part: spent a lifetime getting out of bed and going to work, taken care of your family, and saved up for a nice, long retirement. But what exactly do you do to fill all your hard earned free time? Boredom and depression are some common reactions people have to retirement, where there seems to be so much time and so little to do. Fight off restlessness by focusing on recreational activities or volunteer work to keep busy. . . .Read More


    An Opportunity: The Freebird Club: An Airbnb for the 50+ Set

    In his excellent new book, The Longevity Economy, MIT AgeLab Director Joseph F. Coughlin makes a compelling case that too many businesses fail to recognize or understand older consumers. Let me tell you about a new and intriguing business that’s bucking this trend by wisely serving people 50 and above. It’s called The Freebird Club and it might change the way you or your parents travel. . .Read More


    Make a Happiness Plan for Retirement

    Sally Balch Hurme, author of the new book Get the Most Out of Retirement: Checklist for Happiness, Health, Purpose, and Financial Security, published by the American Bar Association, says that people facing the “R” word are split on the idea; some look forward to a leisurely life on the golf course or becoming world travelers, others are terrified at the prospect of not having enough to do. .Read More


    Age No Bar

    Some of Mumbai’s most spirited senior citizens are proving that passion for good health comes with no expiry date .Read More


    Retirement and the relationship with your spouse (Part I)

    When you retire, you switch bosses. From the one who hired you to the one who married you. As someone said, marriage is like a fine wine, if tended properly It just gets better with age. . ..Read More


    How to Retire Happy - 5 Tips Backed by Science

    In order to retire happy you need to have two boxes checked: 1) financial security 2) good health. These two categories are mutually dependent on one another. Without wealth, you’ll constantly be worried about maintaining basic needs, as a result, your health will suffer. Without health, you have no energy to enjoy all the pleasures wealth can offer. Today I want to dive deeper into these two categories and give you some tips – five to be exact – backed by science that will guarantee a happy retirement. . ..Read More


    4 Tips to Become a Consultant for Your Second Career

    I’ve had the same conversation hundreds of times with different professionals. It’s the one in which I convince them that not only are they capable of being a successful consultant, they’re capable of doing it today. ..Read More