Asset-Rich, Income-Poor: Why Indian Retirees Struggle With Cash Flow Despite Wealth Accumulation
Last Update Date: 06-10-2026
Published by Outlook Money
Abhishek Kumar's role: Quoted
Abhishek Kumar said Indians favour real estate and gold for tangible security, but such assets are often illiquid and do not produce monthly cash flow. He pointed to mistakes such as stopping SIPs in downturns, ignoring inflation and withdrawing early from retirement savings.
More of Abhishek's views on retirement
The article explores why many Indian retirees own valuable homes and gold yet lack a steady income to meet daily costs. It discusses the focus on accumulating assets rather than creating income, the rise of lifecycle retirement funds, and behavioural mistakes that hurt long-term retirement saving.
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Asset-Rich, Income-Poor: Why Indian Retirees Struggle With Cash Flow Despite Wealth Accumulation