Business Standard Hindi Features EquiRize on Phased Equity De-Risking Before Retirement
Mumbai, India | September 30, 2026 – EquiRize Securities has been featured in a Business Standard Hindi article examining when investors should begin reducing equity exposure as they approach retirement.
The article, titled “रिटायरमेंट से कितने साल पहले घटाएं इक्विटी? 5 साल या 10 साल, एक्सपर्ट्स से समझें सही रणनीति”, features insights from Mohit Gupta, Co-Founder, CTO & CPO at EquiRize Securities, on phased portfolio de-risking and retirement-oriented asset allocation.
De-Risking Should Be a Gradual Transition
Mohit Gupta explained that retirement de-risking does not necessarily mean exiting equity completely. Instead, investors may consider gradually adjusting the portfolio mix as retirement approaches.
He noted that this transition may begin approximately seven to ten years before retirement, depending on the investor’s financial circumstances. A phased approach can reduce the need to make a large allocation change on the retirement date itself.
There Is No Universal Five-Year or Ten-Year Rule
The appropriate starting point will differ across investors. The article also presents an alternative expert view under which equity exposure may begin reducing approximately five years before retirement.
The decision should therefore not be based on age or a standard timeline alone. Relevant considerations include the accumulated retirement corpus, expected expenses, regular income requirements, outstanding liabilities and the investor’s ability to tolerate market volatility.
Age-Based Formulas Are Only Starting Points
Rules such as “100 minus age” may provide an initial reference for considering equity exposure, but they should not be treated as fixed asset-allocation formulas.
Two investors of the same age can have significantly different income sources, expenses, liabilities, healthcare needs and retirement objectives. Their suitable allocations may therefore be different.
Post-Retirement Allocation Depends on Cash-Flow Needs
The article discusses an illustrative post-retirement framework under which approximately 30–40% may remain in equity and 60–70% may be allocated to debt and fixed-income assets.
This is not a universal recommendation. The appropriate mix depends on the size of the retirement corpus, monthly expenses, income requirements, risk profile and investment horizon.
About EquiRize
EquiRize Securities is a SEBI-registered Online Bond Platform Provider focused on simplifying access to listed fixed-income opportunities in India.
The platform supports bond discovery through issuer information, credit ratings, financial data, product disclosures and risk-related insights.
Read the complete Business Standard Hindi article: रिटायरमेंट से कितने साल पहले घटाएं इक्विटी?
Disclaimer: This content is intended solely for informational and educational purposes and does not constitute investment advice or a personalised asset-allocation recommendation. Equity and debt investments are subject to their respective market, credit, liquidity and other risks. Investors should consider their financial position, objectives and risk tolerance and consult a qualified adviser where required.
